v0.8.0taxpropertycashflowpremiumscenariosaccuracy

Property purchases and sales with the tax, and projections that run through retirement

8 August 2026·10 min read

This is our largest update since the Workspace launched. You can now plan a property purchase or sale with the capital gains tax modelled, follow your projection right through the retirement drawdown years, and read a cashflow diagram that assesses tax person by person exactly as the engine calculates it. The free tier answers more real questions than before, and a series of accuracy corrections make long-range projections more trustworthy – some of them will visibly move numbers, and this post explains which ones.

Plan a property purchase or sale, with the tax

You can now plan property purchases and sales as first-class plan actions, with contract-date tax and settlement-date cash treated separately, ownership allocation, and linked loans created or paid out automatically. A sale works the capital gain through properly: the cost base including acquisition and selling costs, the 12-month discount where it applies, carried-forward capital losses, and an exempt sale of your own home.

The projection applies the enacted Treasury Laws Amendment (Tax Reform No. 1) Act 2026, including the FY2027-28 residential rental loss quarantine – with a per-property answer for the new-dwelling exception that fails safe when you are not sure.

Property running costs got equally serious: land tax modelled from your assessment notice, partially deductible expenses honoured at the portion you set, mixed-purpose loan interest deducted only to the deductible share, and rent growth you can leave to grow with inflation, deliberately pin flat, or set explicitly. If you had planned a purchase without a rent growth rate, rent previously stayed frozen while expenses inflated – those projections now grow rent with inflation and look materially healthier in later years.

Your projection now runs through the drawdown years

The projection used to stop once you had reached both FIRE and your retirement age. In practice that meant the drawdown phase – the part where you are actually spending the money – was only ever drawn for plans that never reached FIRE, and it did not draw correctly even then.

It now runs the full runway: through retirement to age 92, or five years past the latest retirement age in your household if that is later, measured on the younger of you so a couple sees the whole of both lives. You can follow what super funds and what sits outside it, watch the balance draw down year by year, and see how long the money lasts rather than where the accumulation stopped.

Age 92 is not our choice. It is the horizon ASIC requires retirement projections to use.

Retirement drawdown modelling is a Premium capability.

The cashflow diagram now works like Australian tax does

Tax in Australia is assessed per person, and for most employees it is withheld before pay ever reaches a bank account. The projection engine has always calculated it that way; the first version of the diagram summarised everything at the household level, which hid that working. The Cashflow View (a Premium view) is now in lock-step with the engine: each person's income flows to their own tax, HECS/HELP, deductions and salary sacrifice at the source, and only take-home pay reaches Cash available – the genuinely spendable household pool.

Tap a person's tax node to see their own figure and how their investments moved it – rental results, dividends net of franking credits (imputation), capital gains and deductions. The property strip shows each owner's tax effect beside the household figure, because a 50/50 property can produce very different tax outcomes for two people on different incomes.

Behind this sits an important correction: dividends, franking credits and investment loan deductions now follow the ownership splits you entered, rather than the split you chose for new savings. If your household holds investments unevenly, each person's projected tax now reflects what they own.

Your two targets lead the workspace

The workspace now opens with the two figures a plan hangs off: the FIRE target, the portfolio that funds your retirement spending, and the bridge target, the money you need outside super to get from retiring to preservation age. Each shows what you hold today, where your current plan lands at your target age, and the target itself.

Tap any of the three figures and the Projection Inspector explains how it was worked out, including a new explanation for how the bridge amount is derived.

Your Journey now sits with the projection

Your recorded history has left its own page and joined the workspace, alongside Chart, Cashflow and Table. It is the same plan read the other way around: the net worth you have actually recorded over time, with your plan's trajectory drawn ahead of it as the runway. It used to show only where you had been, which with two snapshots was a line between two dots.

Snapshots are kept automatically when your position changes meaningfully, so the timeline builds itself. You can still record one whenever you want to mark a particular moment.

The drift comparison is visible again. It had been replaced by a "being refined" note since July, when one wrong figure took the whole panel down with it. The figure that was wrong has been removed rather than patched; the parts that were always sound, how your target year has moved and how your assumed inflation compares with actual CPI, are back.

One guard there is deliberate. If the snapshot you are comparing against was taken before some significant improvements to how projections are calculated, we do not show a year difference against it. That number would mostly measure our changes rather than your progress. Record a new snapshot and tracking starts from there.

Share Portfolio, reworked

Holdings now open in a focused editing view with clearer summary cards, and the asset classes cover REITs and listed investment companies and trusts alongside shares and ETFs.

A holding now settles once you have chosen it. The ticker search gives way to the full security name, so a holding you set up months ago reads as a record rather than a search box waiting to be used again. Tap the pencil to change it. On the Portfolio page each entered holding collapses to a single line carrying its units, asset class, currency and current value, and opens for editing when you want it.

The ticker search field itself was rendering barely wider than its own placeholder, cutting the prompt off mid-word. It now spans the full width of the card. Asset class is filled in from the ticker you pick, and stays yours to correct.

Compare today's rules against pre-Budget rules

A Show pre-Budget comparison toggle on the projection chart overlays how your projection would have looked under the previous tax rules, as a dashed line alongside your current projection. The Projection Inspector carries the detail: which Budget measures affect you, the calculation under each ruleset, and links to the official sources.

What-if is now a mode you can see

Loading a scenario turns the workspace into an unmistakable what-if mode: a violet bar names the scenario, promises that your data is unchanged, and offers a one-click way back to Your Plan. A new scenario manifest lists every change the scenario makes, grouped and jump-linked to where each one is edited.

Corrections that change numbers

We fixed several modelling defects this cycle. Where a projection changes, the new number is the correction taking effect:

Transfer balance cap indexation – the cap now indexes to the legislated $2.1 million from 1 July 2026 and grows with CPI thereafter. Projections with large super balances can shift noticeably in later years; the previous figures understated how much could move into retirement phase.
Super contribution caps were a year ahead of themselves – the concessional cap is indexed in $2,500 steps, and our indexation was stepping up one year early. The 2025-26 cap read $32,500 when it is $30,000, and the same error carried through later years. The non-concessional cap, which is four times the concessional cap, moved with it. If you contribute at or near the cap, your headroom and any excess-contributions tax will now be right.
Investment property cashflow now conserves – rental income was double-counted in one path, loan principal was invisible, and unpaid interest-only interest was silently forgiven. Every dollar in the cashflow diagram now has a source and a destination.
The global Investment fees setting reaches every investment row – rows created earlier carried a hidden 0.2% override, so changing the global setting silently did nothing. We cleared only that seeded value; anything you typed yourself is untouched.
Converted balances count as liquid – wealth imported as a general balance is treated as savings, so the FIRE-year liquidity warning no longer claims 0% liquid coverage over money the projection itself happily spends.

Smaller improvements

Recurring personal super contributions are back in Current Position – if you pay your own super, add it as an income line again and choose whether it is personal deductible (concessional) or after-tax (non-concessional). A recurring contribution describes how you are taxed today, so Current Position is where it belongs.
Validation got clearer – issue counts by section, amber for warnings versus red for blockers, and info notes shown against the field they describe.
Projection Inspector polish – full-height expanded charts, tidier year detail with signed values, and milestone labels joined to their markers.
Mobile fit and finish – bigger slider touch targets, iOS date inputs no longer overflow, and the projection workspace fits the first phone viewport.
Holding fields tidied – the per-holding fee, return and yield fields no longer sit inside stray boxes, current value lines up with the units beside it, and asset class now sits next to the franking rate it governs.
Support replies – writing to support now lands in a proper case queue, and if you leave an email address we can actually write back.
Assumptions honesty – the assumptions statement now reports the wage growth you set rather than a hardcoded figure, and attributes defaults to their real sources.

As always: GetFired provides planning estimates and education, not personal financial advice. If anything feels off, hit Feedback in the bottom-right – it lands straight with us.

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