Spreadsheets break down
The “shared expenses” sheet starts strong, then quietly dies in month four. By year two, no one trusts the numbers anymore.
Own a home together.
Without owning the chaos.
Propact is the first Australian app built for people who share a property. Track every cost, split every payment, and know exactly what each person owns — from settlement day to the day someone exits.
See how it works- Built for Australia
- Bank-level security
- Web now — iOS & Android coming soon
Propact42 Collins St, Melbourne · 2 co-ownersApr 2025 – Apr 2026Log expense
Property value
$1.00M
4.2%Since purchase
Your equity
$0K
12.1%60% ownership
Mortgage balance
$0K
2.8%$4,320 / mo
Shared costs
$0
This month · 6 expenses
Ownership split
Current$504KTotal equity
- James60%
- Alex40%
- Mortgage$847K
Mortgage
5.89% rate32%paid off
Est. payoff Nov 2048
Monthly costs
April 2026- Mortgage$4,320
- Strata$580
- Repairs$480
- Council$420
- Insurance$340
- 1stAustralian app built end-to-end for property co-ownership
- 2–4Co-owners you can manage together in one account
- 0%Built for AUD, AU lending, and Australian co-ownership rules
- Day 1Know who owns what, from settlement through to exit
Co-buying is the start of a financial relationship — most apps ignore that.
You both put in a deposit. One of you pays the mortgage. The other handles the bills. Someone fixes the dishwasher. A year in, no one really knows who's ahead, who's behind, or what fair looks like.
Money conversations get awkward
“Did you pay your half?” “I think I covered the last one?” Without a clean record, every conversation feels like an audit.
Buyouts get messy
When one person wants out, you both guess at a fair price. Without contribution history, mortgage shares, and equity adjustments — you're negotiating in the dark.
Built for the way Australians actually buy together.
Whether you're starting out, helping a child onto the ladder, or building a portfolio with friends — Propact handles the financial side of the relationship.
First home buyers
Couples and friends pooling deposits to crack the market together — and wanting clarity from day one.
- Track every dollar each person contributes
- Auto-split bills by ownership share
- Plan extra repayments together
Parents & adult children
Family members co-buying to help each other in — with clear records that stay clean for tax and estate.
- Document gifts vs loans vs contributions
- Generate clean reports for accountants
- Plan the buyout from day one
Investment partners
Two to four people building an investment property portfolio together — without losing track of who put in what.
- Track multiple properties side-by-side
- Split rental income and expenses fairly
- Calculate equity adjustments anytime
Not co-owning?Propact still fits.
Solo owners — track equity, costs and a government-scheme stake on a place you own outright.
Multi-property investors — keep each property’s contributions, equity and tax-ready costs in one ledger.
Three steps. About four minutes. Done.
Set up your property
Add the address, purchase price, current value, and your home loan details. We pull the rest from public AU property data.
Invite your co-owners
Each person joins by email or magic link. Set ownership percentages once — adjust them later as contributions change.
Track everything together
Log expenses as they happen. Watch equity update live. Use the buyout estimator the day someone wants to exit cleanly.
Everything you need to share a property — and nothing you don't.
Six tools, one source of truth. Each module is built around a real moment in shared ownership. Hover any card to see how it looks inside the dashboard.
01
Equity, split fairly
See each owner's equity by both legal title share and fair, contribution-weighted share — updating as the mortgage is paid down.
Hover or tap to previewEquity, split fairly
PreviewJames60% title$175k
Alex40% title$117k
Fair vs legal — example figures02
Property value breakdown
Who has a claim on the property — each owner's equity, the mortgage outstanding, and any government scheme stake — summing to today's value.
Hover or tap to previewProperty value breakdown
Preview$760k
OwnersMortgageGov stake
03
Mortgage, split per owner
Interest vs principal each repayment, who-pays-what per owner, and your FY deductible interest (investment only). Statements upload free in-browser — the file never leaves your device.
Hover or tap to previewMortgage, split per owner
PreviewInterest$1,140
Principal$610
Next repayment · loan payoff38% paid
04
Fair buyout estimator
When a co-owner exits: their share of equity by your chosen method, minus the costs people forget — stamp duty on the transfer, CGT, fixed-rate break and valuation.
Hover or tap to previewFair buyout estimator
PreviewNet to exiting owner$110k
Cash the buyer needs$146k
After stamp duty, CGT & break costs — example05
Shared expense tracker
Log a cost, split by ownership or equally, tag AU tax categories, and see who owes who. Settle up, then export an accountant-ready CSV.
Hover or tap to previewShared expense tracker
PreviewCouncil rates$840
Council ratesAlex → James $420
Settle-up & AU tax tag — example06
Built for co-ownership
Invite co-owners so everyone sees the same numbers, confirm or flag each other's expenses, and handle government schemes — First Home Guarantee, Help to Buy, Victorian Homebuyer Fund.
Hover or tap to previewBuilt for co-ownership
PreviewJamesJoined
AlexInvited
Vic Homebuyer Fund
Why Propact
The part a spreadsheet can't do.
Co-ownership lives or dies on trust — and on the exit. Propact keeps the record straight from settlement to the day someone moves on.
A record you can trust
Every contribution, expense and change is logged with a timestamp — a tamper-evident history both owners can rely on.
A fair way out
When someone exits, Propact turns that record into a fair buyout — including the costs people forget.
Australian scheme math
First Home Guarantee, Help to Buy and the Victorian Homebuyer Fund — kept current so your numbers stay right.
Records verified142 entries · unbroken chain
- AAlex logged council rates$840
- JJames updated property value$760k
- AAlex recorded interest charged$1,140
Fair buyout — net to exiting owner$110k
Illustrative — a record of what owners enter, not financial or legal advice.
Free calculators
Free Australian property calculators
The same engines that power Propact, free and no sign-up — run any of them once, get your number, and go. Stamp duty, buyouts, borrowing power, offset, CGT and more.
Buyout estimator
Your share of the value$425,000Before mortgage — the full calculator deducts it for the true buyout.
Full calculatorAll free calculators
Buyout estimatorMost powerful
Legal vs fair equity, the buyout figure, and who owes whom — the number nobody else calculates.
Stamp duty
Transfer duty in every state, with first-home concessions for VIC, NSW, QLD and TAS.
Extra repayments
See how a little extra each period pays your loan off years sooner.
Offset account
How much interest your savings quietly save when kept in an offset.
Borrowing power
A transparent estimate of what a household could borrow — and how rates move it.
Capital gains tax
Estimate CGT on a co-owned sale, split per owner, with the 50% discount.
Scheme buyback
Buying back the government’s shared-equity stake — what it costs now and how waiting raises the bill.
General information only — each calculator is an educational estimate, not financial, legal or tax advice.
Simple pricing. Start free, upgrade when you need more.
Free for your first property. Upgrade when you're ready for more.
Free
For getting started
$0/ forever
- 1 property
- Up to 2 co-owners
- Cost tracking & expense splitting
- Basic equity view
- Mortgage split calculator
Household
For co-owners who want the full picture
A$24.99/ mo per property
≈ A$12.50 per person for two
- Everything in Free
- Unlimited co-owners (up to 4)
- Buyout estimator & scenario modelling
- Government scheme tracking (FHBG, Help to Buy, VHF)
- Document storage
- Export to PDF / share with broker
- Priority support
Founding Member
Lifetime access for early believers
A$399once
Covers the product lifetime + 5-yr priority support
- Everything in Household
- Never pay again
- First access to every new feature
- Direct line to the founder
Quick answers.
When does Propact launch?
We're opening early access soon. Founding members get in first — join the list and we'll email you the moment your seat is ready. No card needed to join.
Is this only for couples?
No. Propact is built for any two to four co-owners — couples, friends, parent-and-child, sibling groups, or investment partners. It also works for a solo owner on a government scheme, or an investor tracking more than one property. The maths and reporting adapt to your setup.
How is Propact different from a spreadsheet?
Spreadsheets capture what happened. Propact captures what each person owns — automatically updating equity as contributions, mortgage payments, extra repayments and property values change. Plus a buyout estimator and free calculators no spreadsheet does well.
What happens if one of us wants to exit?
The buyout estimator works out a fair price from your contribution history, the current property value and each person’s mortgage share — and lays it out clearly, including who owes whom, so you can both review and agree before involving lawyers.
Can I try it before signing up?
Yes. The live demo drops you into a fully-worked sample dashboard — equity, mortgage, expenses and a buyout — that you can click around, no account needed. You can also use our free stamp duty, capital gains tax and borrowing power calculators right now.
Is my data safe?
All data is encrypted in transit and at rest, handled by trusted infrastructure providers, and never sold or shared. Every change is recorded in a tamper-evident activity log you can verify, and you can export everything to CSV at any time.
Does it work for investment properties?
Yes. Propact handles owner-occupied and investment scenarios, including rental income, expense allocation by ownership %, and accountant-ready categories and reports.
Buy together. Stay together.
Join the founding members and lock in everything Propact will ever build — for the price of a couple of date nights.