Property Investor Command Centre (Australia) - Whole-Portfolio Planner for the 2027 CGT and Negative Gearing Changes | Web App + Excel

NEW (24 Oct 2026): Google Sheets edition included. Your download now has the Excel workbook plus a PDF with a one-click link to make your own Google Sheets copy (same formulas, checked cell by cell against the Excel version).

Built and checked by a CPA. Every formula tested against a separate calculation. 30-day money-back guarantee.

Selling one property? Try the free 2027 CGT Change Checker (payhip.com/b/6T3X4) for a quick estimate. The Command Centre is for your whole portfolio: every property, both owners and every sale year to 2037.NEW in version 1.3 (28 Oct 2026): indexation now counts the 12 months from your purchase date, as the ATO says (a property bought in late 2026 and sold in 2028 is now indexed); the Medicare levy phases in from $28,011; and carried-forward rental losses now reduce the tax on a sale. The web app has the same changes.

NEW in version 1.2 (22 Oct 2026): every tab now looks and works like an app screen, not a worksheet: no gridlines or row numbers, a branded header with a one-line instruction on each tab, Home and Dashboard links, cleaner tables and clearly marked input cells. Same tested formulas: every result was checked identical to the previous version.

NEW in version 1.1: a one-page Overview with your net position at 2037, the effect of the new rules, first-year cash flow and equity, plus net-position and cash-flow charts; a clickable Home page that takes you to every tab; and a cleaner layout throughout. Same tested formulas.

Your whole investment property portfolio, year by year to 2037, under the capital gains tax and negative gearing rules that start on 1 July 2027. Tax for each owner, every year, compared with the old rules.

Most calculators look at one property and one sale. This one plans your whole portfolio: up to five properties owned by one or two people, with any ownership split, from 2026-27 to 2036-37.

What it works out

• Each property every year: rent (including a granny flat), running costs, interest (interest-only or P&I), depreciation, net rental result and cash flow
• Each owner every year: taxable rental result, capital gains on planned sales, the 30% minimum tax top-up, and the tax effect (or refund)
• The new negative gearing limit: for established homes bought from 12 May 2026, losses from 1 July 2027 are only used against residential property income and gains, with the rest carried forward and used when you sell
• Capital gains tax on each sale: the 50% discount on growth to 1 July 2027, indexation and the minimum tax on growth after it; new builds use the cheaper method
• The same plan under the old rules, so you can see what the changes mean for you
• For each property: the tax and the cash left after the loan if you sold at 30 June of any year to 2037
• Scenarios: interest rate rise, slower or faster growth, extra vacancy, a different sale year, or adding a new build

What you get

• Interactive web app (.html): opens in any browser, results update as you type, works offline, save and open your portfolio as a file
• Excel workbook (.xlsx): Inputs, Dashboard with chart, Portfolio, Owners, a sheet per property, and Rules & Rates you can edit
• Example figures included

How it was checked

• The web app and the Excel workbook were each tested against a separate reference calculation across hundreds of randomly generated portfolios, matching to the cent.
• The capital gains tax calculation matches our CGT Reform Planner and reproduces the Government’s published examples (the $1,600 minimum tax top-up, and the David and Michael indexation examples, to within a few dollars because sales are assumed to settle on 30 June).

Good to know

• The value at 1 July 2027 is a valuation you enter or an estimate assuming steady growth from purchase to sale; the official method may differ.
• A new build means bought new and not sold before (unless the builder owned it and it was not occupied for more than 12 months).
• Not covered: your main residence, companies, trusts, super funds, foreign residents, tax offsets, land tax, Medicare levy surcharge.
• Assumptions (such as the order losses are used) are listed in the Rules & Rates tab.
• Designed by Plain Numbers Co with the help of AI tools.

Save 15% when you buy any 2 or more items with code BUY2SAVE15. Need something different? We build custom spreadsheets: payhip.com/b/Dj7Y6

Important: General information and an estimating tool only, not tax, financial or investment advice. It does not consider your personal circumstances. Check results with a registered tax agent before acting. 30-day money-back guarantee: if it doesn't work for your situation, email hello.plainnumbersco@gmail.com within 30 days. We'll fix it, or refund you in full if you'd rather. This is in addition to your rights under the Australian Consumer Law, which are not excluded.

Licence: for the purchaser's own use. Please do not resell or share the files