# The Property Accountant

> The Property Accountant is Australian property accounting software for property investors. It connects to 100+ banks via Open Banking (Consumer Data Right), automatically tracks rental income, expenses, loan interest and capital gains tax (CGT) cost base, and gives tax accountants and mortgage brokers secure one-click access to ATO-ready reports.

- Website: https://thepropertyaccountant.com.au
- Market: Australia (all states and territories), prices in AUD incl. GST
- Founded: 2022 (The Property Accountant Pty Ltd, Glen Waverley VIC)
- Platforms: web app, iOS (https://apps.apple.com/app/id1661522191), Android (https://play.google.com/store/apps/details?id=com.thepropertyaccountant)
- Who it is for: Australian residential and commercial property investors, owner-occupiers, and the tax accountants and mortgage brokers who serve them
- Free trial: first month free, no credit card required
- Contact: contact@thepropertyaccountant.com.au, +61 493 767 832

## Key facts

- Property Value Managed: $6.5B+
- Transactions Tracked: $745M+
- Transactions: 38,000+
- App Downloads: 10,448+
- Banks & Lenders Connected: 100+
- Accountant Practices: 150+
- ISO/IEC 27001:2022 certified information security
- Open Banking integration compliant with the ACCC Consumer Data Right (CDR)
- Data encrypted at rest with AES-256 on AWS

## Pricing

- Owner Occupied Property: $0.00 AUD per property per month (Inclusive of GST)
- Residential Investment Property: $3.99 AUD per property per month (Inclusive of GST)
- Commercial Investment Property: $7.49 AUD per property per month (Inclusive of GST)

## Product & solutions

- [For Property Investors](https://thepropertyaccountant.com.au/property-investor): Automated rental income, expense, loan and CGT cost-base tracking for Australian property investors.
- [For Tax Accountants](https://thepropertyaccountant.com.au/tax-accountant): Receive clients' ATO-ready property financials, reports and documents with one-click secure access.
- [For Mortgage Brokers](https://thepropertyaccountant.com.au/mortgage-broker): Live, client-shared loan data for refinancing and loan reviews.
- [Pricing](https://thepropertyaccountant.com.au/pricing): Per-property monthly pricing in AUD, first month free, no credit card required.
- [How it works](https://thepropertyaccountant.com.au/process-simplified): How settlement statements, depreciation, bank loans, rental income and tax reports are automated, with a before vs after comparison.
- [Comparison](https://thepropertyaccountant.com.au/comparison): How The Property Accountant compares with Xero, MYOB, eTax and traditional accountants for property investors.
- [CGT Calculator](https://thepropertyaccountant.com.au/resources/cgt-calculator): Free Australian capital gains tax calculator for investment property.
- [Budget 2026-27 Property Tax Reforms Guide](https://thepropertyaccountant.com.au/resources/budget-2026-27-property-tax-reforms-guide): Guide to the 2026-27 Federal Budget changes to negative gearing and CGT for property investors.
- [Property Valuation](https://thepropertyaccountant.com.au/property-valuation): Certified 1 July 2027 CGT transition valuation quotes from registered valuers, compared against the ATO default method.
- [Supported banks](https://thepropertyaccountant.com.au/banks): Australian banks and lenders connected via Open Banking (CDR).
- [Find a property tax accountant](https://thepropertyaccountant.com.au/find-my-accountant): Directory of property-specialist tax accountants.
- [FAQ](https://thepropertyaccountant.com.au/faq): Answers for property investors, tax accountants and mortgage brokers.
- [About us](https://thepropertyaccountant.com.au/about-us): Company background, mission and team.
- [Contact](https://thepropertyaccountant.com.au/contact): Support and sales contact.

## Guides (Australian property tax)

- [Moved Into Your Rental? Here's the Tax Rule Most Owners Miss](https://thepropertyaccountant.com.au/blogs/investment-to-owner-occupied-tax-rules): Moved into a rental you now call home? Learn how CGT, cost-base records and the 1 July 2027 transition can affect Australian property owners.
- [Budget 2026-27 Negative Gearing Quarantine: What Happens to Losses on Existing Homes Bought After 12 May 2026](https://thepropertyaccountant.com.au/blogs/negative-gearing-2026-quarantine-existing-homes): From 1 July 2027, rental losses on existing homes bought after the Budget are quarantined, not deductible. Here's how the carry-forward rules actually work.
- [Budget 2026-27 Negative Gearing: New Builds Keep Full Deductibility - Here's the Fine Print](https://thepropertyaccountant.com.au/blogs/negative-gearing-2026-new-builds): New builds bought after 12 May 2026 keep full negative gearing. Here's exactly what counts as a new build, and what doesn't.
- [Budget 2026-27 Negative Gearing: What Happens If You Owned Before 12 May 2026?](https://thepropertyaccountant.com.au/blogs/negative-gearing-2026-grandfathered-properties): Grandfathered properties keep full negative gearing - but refinancing has its own rules. Here's what changes and what doesn't.
- [Budget 2026-27 CGT: No Discount for Existing Homes Bought After 12 May 2026 - Here's What Changes](https://thepropertyaccountant.com.au/blogs/cgt-2026-existing-home-indexation): Buy an existing home after 12 May 2026 and the 50% CGT discount is gone. Here's how indexation works instead, cost by cost.
- [Budget 2026-27 CGT: The New Build Tax Choice - 50% Discount or Indexation?](https://thepropertyaccountant.com.au/blogs/cgt-2026-new-build-discount-vs-indexation): Buy a new build after 12 May 2026 and you get a choice most other investors lose - the 50% discount, or indexation. Here's how to work out which one wins.
- [Budget 2026-27 CGT Changes: What Happens If You Bought Your Investment Property Before 12 May 2026?](https://thepropertyaccountant.com.au/blogs/cgt-2026-bought-before-budget): The 2026-27 Budget changes CGT for properties bought before 12 May 2026. Here's how the 30 June 2027 cutover works, with a full worked example.
- [SMSF Borrowing Rules in Australia 2026: What the End of SMSF Property Borrowing Means for Residential Property Investors](https://thepropertyaccountant.com.au/blogs/smsf-borrowing-rules-2026-lrba-residential-property): The Albanese government has abolished SMSF borrowing for residential property. Find out what changed on 23 June 2026, whether your existing LRBA is protected, and what property investors need to do now.
- [Capital Gains Tax in Australia 2026: What the New Rules Mean for Property Investors](https://thepropertyaccountant.com.au/blogs/capital-gains-tax-changes-australia-2026): Australia's CGT rules are changing from 1 July 2027. The 50% discount is being replaced with cost base indexation and a 30% minimum tax. Understand the split-date calculation, the $59,400 valuation trap, and the five record-keeping risks - with real dollar examples.
- [Negative Gearing in Australia 2026: What the New Budget Rules Mean for Property Investors](https://thepropertyaccountant.com.au/blogs/negative-gearing-australia-2026-budget-changes): The 2026 Federal Budget changed negative gearing from 1 July 2027. Learn what the 3 property buckets mean for you, the risks of poor records, and what to do now.
- [How the New CGT Rules Impact Australian Property Investors Who Bought Before the Budget](https://thepropertyaccountant.com.au/blogs/new-cgt-rules-impact-australian-property-investors): Own property before the budget reform and planning to sell later? Learn how a missing 2027 valuation can destroy your indexation buffer and cost you $58,280 in extra CGT.
- [The Quick Guide to Australia's New Property CGT Rules](https://thepropertyaccountant.com.au/blogs/australia-new-property-cgt-rules-2027): Australia's property CGT rules are splitting into two eras at 30 June 2027. Learn how the new inflation-shield method works, why a certified valuation matters, and how to save $58,280 in tax with the right baseline.
- [Best Accounting Software for Investment Properties Australia (2026 Guide)](https://thepropertyaccountant.com.au/blogs/rental-property-accounting-software): Explore the best accounting software for investment properties in Australia. Compare rental property accounting tools, features, pros, cons, and expert solutions.
- [Why You Could Be Paying Thousands More in Tax Every Year](https://thepropertyaccountant.com.au/blogs/investment-property-loan-interest-use-of-funds): Learn why interest deductibility depends on how borrowed funds are used, not which property secures the loan, and how investors can miss thousands each year.
- [How Missing Loan Interest Tracking Could Cost You Thousands in Tax Later](https://thepropertyaccountant.com.au/blogs/construction-loan-interest-investment-property-australia): Learn how land loan and construction loan interest are treated during construction, why tracking matters, and how missing interest can cost Australian property investors thousands in tax later.
- [Why Tracking Your Property Cost Base Matters](https://thepropertyaccountant.com.au/blogs/track-property-cost-base-australia): Missing property costs can increase your tax bill. Learn how tracking every capital expense helps Australian property investors reduce capital gains tax.
- [Why Tracking Costs from Land Purchase to Construction Matters](https://thepropertyaccountant.com.au/blogs/track-land-construction-costs-property-australia): Many investors miss key costs before rental income begins. Learn how tracking land, construction, and holding costs can reduce your capital gains tax in Australia.
- [Why First-Time Property Investors Miss Deductions in Year One](https://thepropertyaccountant.com.au/blogs/first-time-property-investor-tax-deductions): Many first-time property investors miss key tax deductions in year one. Learn how to track expenses, avoid costly mistakes, and reduce your tax bill.
- [How to Maximise Property Tax Deductions in Australia (Avoid Missing $1,200+)](https://thepropertyaccountant.com.au/blogs/maximise-property-tax-deductions-australia): Avoid overpaying tax on your investment property. Learn how settlement statement adjustments can unlock hidden deductions and reduce your tax bill.
- [Negative Gearing in Australia 2025-26: Complete Guide for Property Investors](https://thepropertyaccountant.com.au/blogs/negative-gearing-australia-2026): Understand negative gearing in Australia 2026. Explore tax savings, ATO reporting, pros, cons, and who should use this property strategy.
- [The Hidden Tax Risks of Managing Multiple Properties Without a System](https://thepropertyaccountant.com.au/blogs/hidden-tax-risks-multiple-properties): Discover the hidden tax risks of managing multiple properties without a system. Learn how fragmented records, missed deductions, and poor structure increase ATO scrutiny.
- [Why Property Investors Choose The Property Accountant Over Other Software](https://thepropertyaccountant.com.au/blogs/why-choose-the-property-accountant): Discover why property investors choose The Property Accountant over other software. Automate income, expenses, loans, depreciation, CGT, and ATO-ready reporting in one platform.
- [Revenue vs Capital Property Expenses. How to Claim Correctly?](https://thepropertyaccountant.com.au/blogs/revenue-vs-capital-property-expenses-australia): Understand the difference between revenue and capital property expenses, avoid ATO compliance risks, and position your investment for stronger long-term tax efficiency.
- [Property Purchase Costs and CGT: Maximise Your Cost Base in Australia](https://thepropertyaccountant.com.au/blogs/property-purchase-costs-cgt-maximise-cost-base-australia): Learn how stamp duty, legal fees, inspections, and loan costs can increase your cost base and reduce future CGT. Boost long-term tax savings with smart planning.
- [What Is Capital Gains Tax and How Does It Work? A CGT Guide.](https://thepropertyaccountant.com.au/blogs/cgt-basics-property-investors-guide-australia): Learn how Capital Gains Tax works for Australian property investors, including CGT discounts, cost base rules, exemptions, and strategies to minimise your tax when selling.
- [How to Avoid Overcapitalising on a Rental Property](https://thepropertyaccountant.com.au/blogs/avoiding-overcapitalising-rental-property): Avoid costly mistakes in your rental property investment. Find out how to manage improvements wisely and protect long-term profitability and success.
- [Do You Need a Property Accountant for Your Investment Property?](https://thepropertyaccountant.com.au/blogs/accountant-for-investment-property): Learn why a property accountant for your investment property can save you thousands in tax and provide lasting peace of mind at tax time.
- [Positive Gearing vs Negative Gearing: Which Strategy Wins?](https://thepropertyaccountant.com.au/blogs/positive-gearing-vs-negative-gearing): Deciding between positive and negative gearing? Explore the pros and cons of each strategy to find out which one aligns best with your property investment goals.
- [How to Save on Capital Gains Tax When Selling Property Successfully](https://thepropertyaccountant.com.au/blogs/minimise-capital-gains-tax-on-property): Selling a property? Learn how to cut down on capital gains tax with tax offsets, deductible expenses, and strategic holding periods.
- [Property Investment Checklist for Australian Investors](https://thepropertyaccountant.com.au/blogs/property-investment-checklist): Follow this comprehensive checklist to assess finances, set investment goals, and choose the best financing options for property investment in Australia.
- [Top Property Investment Mistakes You'll Want to Avoid Completely](https://thepropertyaccountant.com.au/blogs/property-investment-mistakes-to-avoid): Don't make the same mistakes others do. From bad loan setups to missing tax benefits, here's what to avoid to keep your money safe and growing.
- [ Property Tax 101: Key Facts Every Investor Should Know](https://thepropertyaccountant.com.au/blogs/property-tax-101): Confused about property tax? Learn what Aussie investors need to know like depreciation, capital gains and deductions to stay compliant and maximise returns.
- [How to Calculate Capital Gains Tax on Property in Australia Easily](https://thepropertyaccountant.com.au/blogs/calculate-capital-gains-tax-property): Well, if I have to discuss the most popular wealth-building strategies in Australia, a single day would not be enough.
- [Top 4 Property Accounting Software Solutions in Australia](https://thepropertyaccountant.com.au/blogs/property-accounting-software): We will explore the top 4 property accounting solutions that are revolutionising the way investors, property managers & mortgage brokers handle their finances
- [Top 6 Real Estate Accounting Software for Australia](https://thepropertyaccountant.com.au/blogs/top-real-estate-accounting-software-australia): As a property investor managing multiple properties, I know how crucial it is to have the right accounting, finance and document management process and tools
- [Negative Gearing: What It Is & How It Really Works?](https://thepropertyaccountant.com.au/blogs/negative-gearing): Explore how negative gearing affects property investors in Australia. See benefits, drawbacks, tax policy insights, and if this strategy matches your goals.

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