Check one deal
Add the price, rent, loan and costs. See whether the property may pay you or need money from you.
PROPERTY PORTFOLIO PLANNING SOFTWARE FOR AUSTRALIANS
Build the property plan before you spend the next 40 years living with it.
Put in the properties you own and the ones you may buy. Empire Builder brings cash flow, debt, equity, ownership, estimated tax and adviser-supplied depreciation assumptions into one interactive long-term plan.
INTERACTIVE SOFTWARE PREVIEW
FICTIONAL EXAMPLEYour 40-year property picture.
Before tax turns positiveYear 7After tax turns positiveYear 7Projected equity · year 40$7,236,312
YEAR 10
Value$1,451,923Debt$453,333Equity$998,589Before tax$7,963After tax$5,734
WHAT YOU OWN vs WHAT YOU OWEHover, tap or use the arrow keys
NOW10 YEARS20 YEARS30 YEARS40 YEARS
EquityDebtCash requiredCash surplus
See every year, not just four milestones. Change the property, loan, rent, costs, growth, ownership and tax assumptions to see when the plan gets stronger—or starts to strain.
Look years ahead
See how the value, loan, cash flow and equity could change when your assumptions change.
Test properties together
Add properties you own and ones you may buy. See whether the whole plan still works.
MORE THAN A ONE-YEAR CALCULATOR
See what the next property may do to the whole plan.
This is not a dressed-up spreadsheet or a simple yield result. Change the assumptions and the long-term picture changes with them. Compare property types, buying dates and loan choices before real money is committed.
- Possible cash flow over 10, 20, 30 and 40 years
- Estimated property value, loan balance and equity
- Positive and negative cash-flow years
- Several properties, owners and ownership shares in one portfolio
- Estimated tax rates and adviser-supplied depreciation schedules
- Rent growth, cost growth, vacancy, repairs and changing interest rates
- Downside tests that show whether the plan relies on perfect conditions
- A clearer choice: keep testing, change the deal or walk away
INTERACTIVE SOFTWARE PREVIEW
FICTIONAL EXAMPLEYour 40-year property picture.
Before tax turns positiveYear 7After tax turns positiveYear 7Projected equity · year 40$7,236,312
YEAR 18
Value$2,228,246Debt$272,000Equity$1,956,246Before tax$30,311After tax$21,824
WHAT YOU OWN vs WHAT YOU OWEHover, tap or use the arrow keys
NOW10 YEARS20 YEARS30 YEARS40 YEARS
EquityDebtCash requiredCash surplus
See every year, not just four milestones. Change the property, loan, rent, costs, growth, ownership and tax assumptions to see when the plan gets stronger—or starts to strain.
SEE THE IDEA BEFORE YOU SIGN UP
What could five properties look like over time?
This deliberately fictional example uses five regional-style, higher-yield purchases between $420,000 and $600,000. Their modelled rent is only just above normal vacancy, management, rates, insurance, repairs, other costs and interest.
That does not make them safe or easy to find. A rate rise, major repair or longer vacancy can turn a small surplus into a shortfall. Buying five properties also requires deposits, purchase costs, income, borrowing power and cash buffers. Equity alone does not guarantee another loan.
TIMEQUICKERSTEADYSLOWER
10 years$1.45m$0.96m$0.66m
20 years$3.51m$2.85m$2.09m
30 years$6.74m$5.70m$4.51m
40 years$10.63m$9.47m$7.84m
Estimated equity—not cash in the bank. Assumes five fictional purchases, 4% yearly value growth and 30-year principal-and-interest loans at 6.1%. Excludes tax, buying costs, selling costs and future refinancing. The result changes when the assumptions change.THE FUNNEL IS SIMPLE
Try your first deal freeCheck one deal free. Upgrade when you need the complete portfolio view.
The free Property Deal Snapshot lets you test the first property now. The planned paid Portfolio Planner is the next step for saved properties, long-range modelling and a complete portfolio picture.
PROPERTY DEAL SNAPSHOT
Useful before you make an offer.
Check the cash needed, rent, normal costs, loan payments, yield and first-year cash flow for one property.
Run the free snapshot →EMPIRE BUILDER PORTFOLIO PLANNER
Useful before you build the next ten years around it.
Test the same property across time, add other properties and see how the complete plan could change.
Get first access →THE PAID PORTFOLIO PLANNER IS THE NEXT RELEASE
Try the first deal free. Then build the complete picture.
The paid Portfolio Planner is not taking payment yet. Add your name and email and we’ll tell you when early access opens. You can keep using the free Property Deal Snapshot now.