Part 1 – Analyse Before You Buy (Investment Property Calculator)
A practical, numbers-first tool for assessing any property.
Before buying a property, you need to know:
- Will it be cashflow positive or negative?
- How much equity will it actually build?
- How much of my original deposit do I get back — and how fast?
- What does the 5-year and 10-year return look like?
- What’s the real ROI after expenses, interest, and holding costs?
- At what year does cashflow turn positive?
Sole’s calculator gives you instant answers. Just enter:
- Purchase price
- Deposit
- Loan details
- Rental estimate
- Expenses
- Growth assumptions
And the dashboard dynamically shows:
- 10-year performance forecast
- Cashflow projection
- Equity growth
- Capital growth vs principal repaid
- Cash-on-cash return
- Return on invested capital
- What year you recover your initial investment
- Total financial outcome over 10 years
This is the modelling that real property advisors use — without the cost. It’s not hype. It’s not salesy. It’s just the numbers that actually matter.
Part 2 – Manage Your Property Properly From Day One (with Sole)
Once you buy the property, Sole becomes your control centre.
Investors quickly discover that spreadsheets:
- Break
- Get messy
- Don’t track live numbers
- Don’t handle receipts or deductions
- Don’t provide tax-ready reporting
- Don’t show real-time cashflow
- Don’t keep up with changing expenses
Sole fixes that.
Inside Sole you can easily:
✔ Track rental income: Add each payment or sync automatically with your bank.
✔ Log every expense: Repairs, interest, strata, insurance, maintenance — all categorised correctly.
✔ Attach receipts and documentation: No more lost invoices at tax time.
✔ Track equity build-up & cashflow: See your real performance month-to-month.
✔ Manage multiple properties in one dashboard: Each property is separated and crystal clear.
✔ Export simple, accountant-friendly reports:
No more spreadsheet chaos.
No more year-end stress.
Sole helps you run your investment like a business, with clean reporting and simple ongoing management.
Why This Combination Is Powerful
- Before the purchase: The calculator tells you: “Is this property financially worth buying?”
- After the purchase: Sole tells you: “Is this property performing the way it should?”
Most investment tools only do one or the other. Sole gives you both sides of the investment journey:
- Decision tool (Buy or don’t buy)
- Management system (Track performance and maximise value)
Take Action: Start With the Numbers Today
You can run any property scenario in a few minutes:
- A property you’re considering buying
- An existing investment
- A refinance scenario
- A rent increase or cost-change scenario
- A long-term wealth planning comparison
- Two properties side-by-side
The calculator will show you — with zero emotion and zero sales pressure — the real long-term financial impact.
Try Sole Free for 30 Days (No Credit Card Required)
Start with the Investment Property Calculator. Then use Sole to manage the property year-round.
This is the simplest way to become a more strategic property investor.
Frequently Asked Questions
Q: Why is financial modelling essential before buying an investment property?
A: Most investors fail because they don’t model long-term performance. A professional-grade calculator allows you to see beyond the purchase price to understand Cash-on-Cash Return, Return on Invested Capital (ROIC), and exactly which year the property’s cashflow will turn positive. This removes emotion and ensures the numbers actually stack up before you sign a contract.
Q: What is the difference between “Capital Growth” and “Cashflow” in 2026?
A: Capital growth is the increase in the property’s market value over time, whereas cashflow is the net income left after all expenses (mortgage, rates, insurance, maintenance) are paid. In the 2026 market, high interest rates mean investors must balance both; relying solely on growth without stable cashflow can lead to “serviceability” issues during tax time.
Q: Why should I move from spreadsheets to a management system like Sole?
A: Spreadsheets are static and prone to error. They don’t track live bank feeds, they can’t store digital receipts for the ATO, and they don’t provide real-time tax-ready reporting. Sole acts as a control centre, separating multiple properties and providing an accountant-friendly export that eliminates year-end stress.
Q: Can I use the Sole Property Calculator for refinancing scenarios?
A: Yes. The calculator is designed to run multiple scenarios, including current investments, potential purchases, or refinancing. By adjusting interest rates and equity assumptions, you can see the real-world impact of a refinance on your 10-year wealth plan in minutes.
Q: How does Sole handle property-related tax deductions?
A: Sole categorizes every expense—from strata fees and insurance to emergency plumbing repairs—according to ATO standards. By snapping photos of receipts in the app, you ensure that every deductible cent is captured, preventing “lost” invoices that could cost you thousands in unclaimed offsets.
Q: Is it possible to manage a portfolio of multiple properties in one dashboard?
A: Absolutely. Sole allows you to keep each property’s income and expenses distinct. This provides a “macro-view” of your entire portfolio’s health while allowing you to drill down into the performance of a single unit or house to see if it’s meeting its forecasted ROI.