Does your portfolio need urgent intervention?

This stress test identifies whether your portfolio can survive the 2026-27 economic and policy changes — or whether it needs action in the next 12 months. 19 questions, under 5 minutes.

Section 1 of 5 — About You

Your age

Total household income (before tax) Combined employment and business income for the whole household — exclude rental income and dividends (captured separately)

Marginal tax rate Choose the rate of the higher earner — the person carrying the larger share of household income (e.g. a 70/30 split → use the 70% earner's bracket). For a roughly even split, use the bracket each person's half falls into.

Income stability

How long will you hold the portfolio?

Your home comes first — it anchors your household serviceability before we look at the investment portfolio.

Home (PPOR) value

Home mortgage outstanding

Investment properties owned

Enter each investment property Recommended

Entering each property gives an accurate cost base, CGT split and growth assessment. This is the most accurate way to run the tool.

State	Purchase month/year	Purchase price	Current value	Loan (optional)

Add a row for each investment property. When you’ve entered them all, continue to the next section using Next below — the total rental income and loan type are captured there. You can leave the value-band box below empty.

Estimate with value bands instead

If you'd rather not enter each property, provide portfolio-level figures. These are less precise (we use band midpoints), but give a quick read.

Total portfolio value (all IPs combined) Add up the current market value of every investment property.

Total purchase price of the portfolio (optional) What you originally paid for all investment properties combined. Used as the CGT cost base — far more accurate than estimating it. Leave blank to estimate.

Primary state (where most properties are)

How many states are your properties spread across?

Which states? Select all that apply — drives the diversification assessment

Portfolio LVR (loan-to-value) Portfolio LVR = total investment debt ÷ total investment value. Example: $1.9M of loans on $3.15M of property = 60%.

When was the most recent purchase?

How many of your properties were bought after 12 May 2026? Post-Budget purchases get indexation CGT and quarantined losses; earlier ones keep grandfathered treatment. Your portfolio is split proportionally.

Total weekly rental income (all IPs) Combined rent across every investment property, per week.

Loan type Mixed is modelled as a 50/50 split of total portfolio debt between interest-only and principal & interest — the Pro tier models each loan individually

Household & structure

Household composition

Income split between earners

Other regular income (dividends, super pension, business distributions) Total annual non-employment, non-rental income

Cash / offset balance available

Tax basis (how the properties are taxed) Individual = personal marginal rates (whether held solely or jointly) — as opposed to a company or trust. Your household income sets the applicable rate.

Do you have an offset or equity facility?

Insurance & climate risk

Total annual insurance cost (all IPs combined) Building, landlord, and any contents insurance across the portfolio

Are any properties in a declared flood, cyclone, or bushfire zone? Council mapping or insurer notification

What insurance coverage do you currently have? Landlord protection covers rent loss and tenant damage

Was your renewal premium increased by more than 20% in the last 12 months?

Where should we send your results?

Your name, email, and phone are required to generate your confidential stress-test results.

First name

Last name

Phone

Short-Term Survival Assessment

Can your portfolio survive the 2026-27 economic and policy changes in the next 12-24 months?

—

Survival Score

—

— of 5 stress tests passed

Survival Factors

These six factors determine whether your portfolio holds up under short-term stress.

Economic & Policy Stress Tests

Five scenarios test how your portfolio responds to different macro paths over 10 years. Each scenario differs across several dimensions — the RBA cash-rate and lending-rate path, rent growth, inflation, vacancy, capital-growth rate, and (for Regulatory Squeeze) tax and regulatory overlays. Capital growth is scaled against your state's baseline: Slow Recovery at full baseline (1.0×), Rates Stay High at 0.6× with a stagflation overlay, Property Correction as an explicit −10% Year-1 drawdown recovering from Year 3, Income Loss at 0.7× with a 12-month income shock, and Regulatory Squeeze at 0.4× with added tax and lending drag. The per-scenario cards below show each path.

Long-Term Strategic Considerations

These factors don't drive urgent intervention — they're long-term optimisation opportunities worth discussing with an advisor.

—

Strategic Score

—

Long-term optimisation indicator

Strategic Factors

Diversification, structure, horizon, and long-term asset risk. Optimisation opportunities — not survival concerns.

Insurance & Climate Risk

Premium escalation, coverage gaps, and disaster-zone exposure. Material to your 10-year cashflow trajectory.

Current Annual Premium

—

Year-10 Projected Premium

—

Budget Impact — Negative Gearing & CGT

—

Exit Position — CGT Impact at Sale

Average Net Wealth at Exit

—

Mean across the 5 scenarios, after CGT, selling costs & debt repayment

Average CGT Payable

—

Mean of CGT across the 5 scenarios at the end of your holding horizon

Equity: Today vs Projected

Your equity position now compared with the average projected position at the end of your holding horizon — averaged across all five scenarios, and including your home. The investment-property line is shown two ways: equity if you retain the portfolio, and the after-CGT proceeds if you sell.

Exit Position by Scenario

—

Stress-test your portfolio property-by-property — book a review

This complimentary diagnostic works at the portfolio level. A property-level review tests each asset individually — optimal exit year, per-property CGT, and the disposal sequence that maximises your after-tax position.

Important Information

This stress result is a diagnostic estimate for general information only. It is not personal financial advice, tax advice, credit advice, or legal advice. A licensed professional should review the client circumstances before any strategy is implemented.