Every property, loan, fund and account you own runs forward under each country's own tax rules, to the year work becomes optional.
Estimates on your own figures. Not advice.
Rough figures are fine. The same engine that runs the full product prices them under one indicative tax rate and shows the year each goal is reached.
This example portfolio would cover its income goal from
About 9 years away, when your passive income passes your 60,000 a year goal, which itself rises with the inflation you have drawn.
Example figures
Use the same currency for every figure here.
No bank login. What is not modelled is stated. Your data is yours to export or delete. Security and privacy
A rough estimate, not advice. Rent growth, property growth, investment returns and the loan rate are drawn year by year instead of held at one figure, the loan pays down over 24 years, running costs rise with inflation, what the property clears after tax is banked into savings and earns that same return, the retirement fund unlocks at 65 and pays out at a 4% rate, and tax is one indicative rate on rent after costs and interest. The year is worked out once from the figures above rather than sampled from a range, so the same figures always give the same year.
One indicative marginal rate on the rent left after running costs and loan interest, with a loss carried forward against later profit. Tax country by country comes with the full planner.
7years earlier
With $862k less wealth in 2057, in today's money.
Keeping everything, the goal arrives in 2042: the year the first retirement fund unlocks. Selling, it arrives in 2035, 7 years before either retirement fund unlocks.
Try this with my portfolioLilly 44 and William 42, living in Australia. 4 rental properties in 3 countries: Melbourne, Brisbane, Manchester and Dubai. 1 already sold, in Hobart. Shares in 2 currencies. 2 retirement funds, locked until 2042 and 2044. Combined debt $3.0M. Target: $150k a year of passive income, in today's money, and a net worth of $6.5M.
| Future | Goal year | Wealth in 2057, today's money |
|---|---|---|
| If they keep everything | 2042 | the baseline |
| If they sell the Melbourne apartment and the Manchester flat in 2035, proceeds to the loans | 2035 | $862k less |
The Melbourne apartment carries their largest loan. Whether to sell it, and what else to sell, is not a question on its own. It depends on what the household is optimising for, and the search runs every path against each of these:
Under the Bear view the goal arrives in 2044 if they keep everything and 2035 if they sell, a gap of 9 years.
Selling the Manchester flat alone gets there in 2036.
On these assumptions, no pair of sales in any years brings the goal earlier than 2035.
Value growth 4.5%, rent growth 3.0%, loan rate 6.24%, inflation 3.0%, drawdown rule 4%, as at July 2026.
Passive income after tax against the target, the Combined Assets rule, retirement funds counted from their access year.
You can test any future you can think of. The search runs the ones you didn't think of, and shows you every path it tried.
Worked on the sample household's own figures and assumptions. An estimate, not advice; a licensed professional is the person to decide with.
A property in Australia, a pension in the United Kingdom, shares in the United States. Each taxed where it sits, added up in one currency.
Every property you own, with its loan, its rent and its running costs, beside everything else you hold.
Each one taxed where it sits, under that country's own rules, and added into one total in your currency.
The year work becomes optional, and every year after it.
Built for the landlord or investor who holds more than 1 property, or wants to see what the cashflow would look like with a bigger portfolio than they have today, and for everything else they own beside it. 4 inputs feed 1 engine, and every answer comes out before tax and after tax.
Property, retirement funds, investments, cash and loans, each in its own currency. One net worth, in yours. What you have sold stays in the record too, with what the sale actually left you.
Tax on rent, on gains, on holding costs, on income and on pensions, applied where the app has coverage for the asset and the household. Every country page says what is modelled and what is not.
Start from saved history: your country's last 30 years of rates, inflation, rents, prices and returns, already loaded. Stress it with the pre built Bear, Base and Bull views, or set any rate year by year yourself. Then add a purchase, a sale, a move or a rate rise and watch every year move. After the goal, model the drawdown: spend it down by a chosen age, live off the income only, or leave a target legacy.
Every country has a page of its own, saying what is modelled there and what is not.
Each property is taxed where it sits, under that country's own rules.
The country you live in then taxes worldwide rent and gains where its rules say so, with credit for what was already paid abroad.
Every asset and loan keeps its own currency, and the total comes back in yours.
Australia, the United Kingdom, the United States, New Zealand, Canada, the United Arab Emirates and 70 more, each with its own page.
Why this matters now · From 1 July 2027
For a sale on or after 1 July 2027 the 50% discount is replaced by indexation of the cost base plus a 30% minimum rate on the gain built up after that date. The gain built up before it keeps the discount, split at a 30 June 2027 valuation.
A property in one country, a job in another, a passport from a third. Most tools pick a country and pretend the rest is not there. This one was built the other way round.
The Harpers above hold in 3 countries and 2 currencies with 2 retirement funds. That is the household this was designed for.
Built by property investors who run their own portfolio on it, across 5 countries.
Every tool here was tested on that portfolio before it was offered to anyone else.
Tax tables last reviewed 15 September 2026. No bank login. No trackers. A complete copy of your data is one click away, on every plan. Security and privacy
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