Every real Australian portfolio maps onto the same four-stage arc. These are the modelled paths of four investors at different points on the map. Numbers are illustrative and drawn from real archetypes.
Click a stage to jump to that investor's story.
Sam and Rachel had been saving for their first investment for three years and were stuck between a Sydney unit and a regional QLD house. At identical assumed growth rates the model showed the same $95k deposit in a $600k Ipswich house producing $280k more modelled equity by year 10 than a $500k Marrickville unit. Modelled cashflow drag was $340/month vs $190/month.
David had two properties bought in 2018 and 2021. The 2026 Budget reforms quarantine negative gearing on established residential acquired after 12 May 2026. In this composite the model compared two new-build purchases with two established purchases under the rules as announced. The modelled 10-year holding-cost difference was $147k (exempt from the negative gearing quarantine) instead of established stock under the post-reform rules. The composite then models a brief for new builds, with modelled purchases in November 2026 and April 2027.
In this composite, the borrowing test shows no further residential headroom at property 4 under the assumed lender settings. The commercial module modelled a $650k Gatton retail strip with net income $52k on a 12-year lease, cap rate 8.0%, WALE 4.2 years. At these inputs the property covered its own debt in the model. Whether a lender treats it that way is for a broker to confirm.
Michael had spent 22 years building an 8-property portfolio ($6.4M gross, $2.1M debt). The question wasn't how to grow, it was how to convert equity into replacement income against a modelled CGT estimate of $780k if all eight were sold at current values (an accountant confirms). The tracker modelled three scenarios side by side: sell 2 lowest-yielding + pay down debt, sell 4 mid-cycle + retire early, or hold + refinance for structured drawdown. Scenario 3 shows the highest modelled lifetime after-tax income at these inputs.
The tracker calculates from your numbers. Foundation to Retirement, the same map.