PropTime
✦ Australia's complete property investment platform

Research suburbs.
Run the numbers.
Own your strategy.

PropTime combines suburb intelligence with financial calculators and mortgage strategy tools. Research any suburb for free. Unlock the full platform with Pro.

Analyse a suburb →Try the Freedom Calculator⚖️Compare structures →
15,000+ suburbs scored · 20+ data signals · Free to start
New · Budget 20262026 Federal Budget — What it means for property investors

The 2026 Budget changes
everything for investors

Negative gearing preserved. CGT discount unchanged for established properties. New builds now carry a significant CGT advantage. First home buyers face less competition. PropTime has built a dedicated impact centre to help you understand exactly how the budget affects your strategy.

Quick check is free — no account needed
Negative gearing
Preserved for all existing investors
CGT discount
50% discount maintained as expected
New builds
Enhanced CGT treatment from 1 Jul 2027
FHB competition
Reduced investor competition in entry markets
WHAT PROPTIME DOES

Everything an investor needs. One platform.

Suburb research, cashflow modelling, structure comparison, mortgage strategy and portfolio tracking — built specifically for Australian investors.

01

Research any suburb

Score 15,000+ Australian suburbs across 20+ data signals. Vacancy rate, days on market, rental growth, infrastructure pipeline, and more — all in one score.

  • Paste any REA or Domain listing for instant score
  • Compare suburbs side by side
  • Track your watchlist as scores change
Explore suburb scores →
$02

Run your numbers

Australian-specific cashflow calculator with real stamp duty, LMI, and depreciation. Portfolio tracker with stress tests. Know exactly what a property will cost you before you commit.

  • State-specific stamp duty for all 8 states
  • LMI calculator for sub-20% deposits
  • 5 automatic stress test scenarios
Try the calculators →
03

Optimise your strategy

Debt recycling, offset optimisation, split loan analysis, and the Freedom Calculator — find every path to pay off your mortgage faster. Tools that used to require a financial planner.

  • Freedom Calculator — 8 paths to mortgage freedom
  • Debt recycling modeller with tax benefit calculation
  • Offset account magic — see exactly what it's worth
Explore mortgage strategy →
SUBURB INTELLIGENCE

What does the data say about your suburb?

Try: realestate.com.au · domain.com.au
Live data

Top 3 picks right now

Sign up free to see all 15,000+ suburbs ranked and scored.

PROPTIME SPECIAL

Freedom Calculator

Pick your mortgage-free date. PropTime finds every path to get you there.

$
$100k$2M
ALL TOOLS

Everything you need. All in one place.

Free to use. No credit card required. Upgrade when you're ready.

FREE
Suburb Intelligence
Research suburbs across 20+ data signals
⚖️NEW
Property Structure Calculator
Compare personal name, company, family trust and SMSF side by side using correct Budget 2026 tax rules. See cashflow, CGT and total wealth for each structure.
$FREE BASIC
Cashflow Calculator
Basic weekly cashflow result — full costs with Pro
FREE · 2 PROPERTIES
Portfolio Tracker
Track equity, LVR, and cashflow across all properties
10/MONTH FREE
AI Property Agent
Ask anything about Australian property in plain English
🎯FREE PREVIEW · PRO FULL
Freedom Calculator
Path 1 preview free — all 8 paths with Pro
PRO
Debt Recycling Engine
Turn non-deductible debt into tax deductions legally
FREE BASIC
Offset Account Magic
Headline saving free — full breakdown with Pro
FREE BASIC
Extra Repayments
Headline result free — full optimisation with Pro
PRO
Mortgage vs Invest
Should you pay off your mortgage or invest instead?
PRO
Split Loan Optimiser
Find the right fixed/variable split given RBA movements
PRO
Rentvesting Calculator
Model the rent-where-you-live invest-where-it-works strategy
FREE
Strategy Selector
Re-rank all 15,000+ suburbs by growth, cashflow, or balanced
PropTime provides educational tools and general information only — not financial product advice. General Advice Warning · Our Methodology
TRUSTED BY AUSTRALIAN INVESTORS

Join investors researching smarter across Australia

From first-time buyers to experienced portfolio builders — PropTime gives every investor access to the same quality data and tools previously only available to professionals.

15,000+
Suburbs scored
Across all states and territories
20+
Data signals
Per suburb independently assessed
4
Structures compared
Personal, company, trust and SMSF
8
Mortgage strategies
Modelled to find your best path
"

The structure calculator showed me SMSF was going to save me significantly more than I thought over 20 years. That single comparison was worth upgrading for.

Michael T.
Sydney, NSW
PRO
"

Finally a cashflow calculator that actually shows both the current rules AND what happens after July 2027. Every other tool ignores the Budget 2026 impact.

Sarah K.
Melbourne, VIC
BUYER'S PASS
"

The suburb scoring saved me from buying in an area with a 4.2% vacancy rate. I would never have found that without PropTime.

David R.
Brisbane, QLD
PRO
Individual results vary. PropTime provides general information only — not financial advice. General Advice Warning
PRICING

Simple, transparent pricing

Start free. Upgrade when you're ready. No lock-in.

FREE
$0
forever

For investors just getting started

  • Top 20 suburb scores
  • Basic cashflow calculator
  • Freedom Calculator — Path 1
  • Portfolio tracker — 2 properties
  • AI agent — 10 questions/month
  • Watchlist — 3 suburbs
  • Market Pulse
  • Strategy Selector
  • Budget 2026 Impact Checker
  • All 15,000+ suburb scores
  • Full cashflow suite
  • Mortgage strategy suite
  • Score change alerts
  • PDF reports
  • Unlimited AI agent
Free forever — no credit card needed
BUYER'S PASS
$59
one-time payment
7 days of full Pro access

Perfect for active buyers doing due diligence on a purchase

  • All 15,000+ suburb scores
  • Full cashflow suite
  • All Freedom Calculator paths
  • AI agent — 500 questions
  • Portfolio tracker
  • Mortgage strategy suite
One-time payment · no subscription
Most popular
PRO
$79/mo
Cancel anytime
EVERYTHING IN FREE PLUS:
  • Full cashflow suite
  • Freedom Calculator — all 8 paths
  • Mortgage strategy suite
  • Portfolio tracker — unlimited
  • Score change alerts
  • Weekly suburb digest
  • PDF investment reports
  • Suburb comparison tool
  • Borrowing capacity calculator
  • AI agent — 500 questions/month
  • Watchlist — unlimited
$79/month · cancel anytime
PARTNER
From $299
/month
Pricing based on team size and usage

For mortgage brokers, buyer's agents, and property professionals

  • Everything in Pro
  • White-label under your brand
  • Your domain and logo
  • Client activity dashboard
  • Lead management tools
  • Unlimited client accounts
  • API access
  • Priority support
  • Custom feature requests
Average setup time: 24 hours
No technical knowledge required
🔒Secure payment
StripePayments
💳Visa · Mastercard · Amex
🇦🇺Australian platform
Cancel anytime
FOR PROFESSIONALS

PropTime for Brokers and Buyer's Agents

Give your clients access to Australia's most comprehensive property research platform — branded as your own tool.

Your clients research suburbs, run cashflow calculations, and model mortgage strategies before they come to you. You spend less time educating and more time helping.

Your branding, your domain, your clients
Client activity visible in your dashboard
$Clients arrive prepared — better conversations
Learn more
YourBrandpowered by PropTime
SUBURB ANALYSIS
Toowoomba
QLD · House
82
VACANCY
0.8%
YIELD
5.9%
GROWTH
+9.2%
Client-branded suburb report
Setup in 24 hours
No technical knowledge required
Cancel anytime
PropTime — Start free today

Stop guessing.
Start investing with confidence.

Join Australian investors researching smarter with PropTime — suburb data, cashflow modelling and mortgage strategy all in one place.

See how it works
Free forever · No credit card · Upgrade to Pro anytime