Is this month working?
Your surplus, savings rate, emergency fund and where each month goes.
For Australian property owners and investors
See what your next property move does to your numbers.
Enter your income, spending, super and properties once. NetPosition connects them: your monthly surplus, your tax, an estimate of what you could borrow, and when work could become optional. Then it shows what a purchase, or an extra $15k, would change. No bank connection.
Free plan, no card. 30 days of Expert included when you sign up.
- No bank login
- No tax file number
- Built on 2026–27 tax rates
- Delete your account any time
What it answers
The questions you are already asking a spreadsheet.
Start with the basics Free
What will I pay in tax?
An Australian resident estimate for 2026–27, including Medicare levy and HELP repayments, worked out from your budget income.
How is each property performing?
Weekly cash flow after repayments, vacancy and costs, plus equity, LVR and what changes when interest-only ends. The Free plan covers one property.
Go deeper Expert
What would another property do to my plan?
Roadmap: plan purchases, stress-test them, and see the effect on your income, your debt and your borrowing estimate.
Where should an extra $15k go?
Decisions: put super, shares, property and the offset side by side over up to 40 years. It compares the numbers and makes no recommendation.
When could work become optional?
Plan: retirement timing, super access age and the big bills you can see coming, such as school fees or a new car.
Educational models. Not a loan offer or advice.
How it works
From your numbers to a decision in three steps.
- Step 1
Enter your numbers once.
Income, spending, super, properties. Skip anything and add it later.
- Step 2
Everything connects.
Change a number in one place and Tax, Plan and Roadmap update. Nothing is typed twice.
- Step 3
Test a decision.
Try a purchase or an extra contribution and see the effect before you commit.
Screens show an example household, not real data.
Private by design
You type the numbers. We never ask for your bank.
Typing numbers in takes a little longer than linking a bank. In return, the plan runs on the figures you choose and nobody gets access to your accounts.
Read the privacy policy- No bank credentials, no transaction feeds, no tax file number.
- Card details go straight to Stripe. We never receive your full card number.
- Delete your account yourself from Account settings.
Pricing
Start free. Add depth when your portfolio grows.
A$0
Free to start
- Home, Budget, Tax, Wealth, Charts and Targets
- 1 property
- 30 days of Expert included when you sign up.
A$99 / year
or A$12 a month, including GST
- Everything in Free
- Up to 3 properties
- Offset account and holding costs
- Portfolio totals and Journey snapshots
- 90-day Expert trial when you buy Pro
A$249 / year
or A$29 a month, including GST
- Everything in Pro
- Unlimited properties
- Partner household
- Super contributions and Division 293/296 tax
- Borrow, Plan, Roadmap and Decisions
Prices are in Australian dollars and include GST. Cancel any time from Account settings.
Questions
Before you begin
Do you connect to my bank?
No. NetPosition uses the figures you choose to enter. We never collect bank credentials, transaction feeds, or your TFN.
What do I need to enter?
Income, spending, super and any properties. Everything is optional and saves as you go, so start with what you have.
Is this financial advice?
No. These are educational models using published rates. Nothing here is a loan offer, a tax return or personal advice. Check the ATO or a registered tax agent before you act.
Which tax rules does it use?
Published 2026–27 resident income tax rates, the Medicare levy and surcharge, HELP repayments and, on Expert, super contributions with Division 293 and 296 tax.
What is the difference between the plans?
Free covers Home, Budget, Tax, Wealth, Charts, Targets and one property. Pro adds up to three properties, offset and holding costs, portfolio totals and Journey snapshots. Expert adds unlimited properties, partner household, super contributions and Division 293/296 tax, and Borrow, Plan, Roadmap and Decisions.
What happens when my trial ends?
After 30 days of Expert you keep Pro until day 60, then move to the Free plan unless you subscribe. We do not take a card at signup, so nothing is charged automatically.
Can I use it with a partner?
Yes. Partner household is part of Expert: a second income, tax estimate and super alongside yours.
Can I delete my data?
Yes. Delete your account yourself from Account settings. That also cancels any subscription. The Privacy page explains what is kept afterwards, such as billing records.
Can I cancel a paid plan?
Yes. Manage or cancel from the Stripe billing portal in Account settings.
Try your next move on paper first.
Start freeNetPosition is an educational tool, not financial advice, a loan offer or a tax return.