Property · SMSF · Tax modelling

Property planning that shows you the numbers, not just the pitch.

Tenovo is planning software for Australian property investors, SMSF trustees, and the advisors who work with them. Track properties, model tax outcomes under ATO rules, and compare scenarios side by side — built in Australia, hosted in Australia.

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What's in the platform

Six modules that cover the work an advisor or self-directed investor actually does in a year.

Portfolio tracking

Per-property valuations, rent roll, and cash position in one view. CoreLogic and Open Banking feeds where the user has authorised them.

Trust and SMSF structures

Model family trusts, SMSFs, and corporate trustees. Distributions, contributions, and entity-level tax flow through to the household view.

Scenario comparison

Run a property scenario against an ETF or term deposit on the same axes. Adjust yields, growth and rates, and see where the lines cross.

Tax engine

Negative gearing, Division 43 capital works, depreciation schedules, CGT with the 50% discount, and SMSF 15% / 10% rates. Updated to reflect ATO rule changes.

Tenant and trade portals

Maintenance requests, work orders, and rent ledger access. Each role only sees what it should — no email back-and-forth.

Reconciliation and reporting

Match bank lines to leases and expenses, generate end-of-year packs, and export to common Australian accounting tools.

Worked example

A leveraged property versus an unleveraged ETF, over 30 years

Both investors start with the same $160,000. The property investor uses it as a deposit on an $800,000 home funded by a $640,000 loan over 30 years. The ETF investor buys an index fund. To keep the comparison fair, whenever the property runs at a cash loss, the ETF investor invests that same amount as well — that is the genuine opportunity cost of negative gearing. Drag any slider to change the assumptions; the chart and totals update live.

Property assumptions

ETF assumptions

Property net wealth, yr 30

ETF net wealth, yr 30

Property crosses ETF in

Net wealth over 30 years

Property (net of loan)
ETF

What this model does and does not include

Methodology: Property net wealth is value minus remaining loan balance plus cumulative cash flow. The ETF benchmark starts with the same $160,000 and also receives any cash injection the property investor must make to cover negative cash flow in a given year — this isolates the effect of leverage rather than the effect of having more money to invest overall. Source basis: ASIC MoneySmart and Vanguard Australia comparison guides use the same opportunity-cost approach.

Included: P&I mortgage repayments at the chosen rate over 30 years; rental income at the chosen yield (rent grows with property value); annual holding costs at 1.8% of property value (rates, insurance, management, maintenance); ETF returns net of MER, reinvested annually.

Not included: stamp duty, lenders’ mortgage insurance, vacancy, building depreciation deductions, negative gearing tax offsets, CGT on sale, franking credits, ETF brokerage, and inflation. Tax effects in particular favour property for Australian investors on higher marginal rates and would shift the crossover point earlier.

Status: This is a deterministic illustration with constant assumptions, not a forecast. Real markets vary year on year. For personal planning use Tenovo’s full tax engine or speak to a licensed advisor — this tool does not constitute financial product advice.

Why we built Tenovo

Most property tools either price-track or do tax. Few do both, and almost none do them in a way an Australian SMSF trustee can hand to their accountant without rework.

Built and hosted in Australia

Data stays on Australian infrastructure. Tax logic is written for the ATO, not retrofitted from a US product.

Designed with practitioners

The product team works alongside Australian accountants, financial advisors and property managers. Workflows reflect how the work actually gets done.

Models, not predictions

Where AI is used — document parsing, anomaly flags, scenario suggestions — outputs are labelled and the inputs are visible. No black-box forecasts dressed up as advice.

Privacy Act 1988 and APP-aligned

Encrypted at rest and in transit, with audit logging on financial records. Data deletion on request, in line with APP 11 and 12.

Tenovo is in early access

If you want to be among the first investors or advisors to use it, request access and we’ll be in touch with onboarding details.

Common questions

Short answers. Ask us if you need a longer one.

Do I need to be a financial professional to use it?

No. Self-directed investors and SMSF trustees can use Tenovo on their own. The advisor features are an extension of the same product, not a separate one.

Does the tax engine reflect Australian rules?

Yes. It models marginal income tax, Medicare levy, the 50% CGT discount on assets held over 12 months, Division 40 and 43 depreciation, and the SMSF concessional and pension-phase rates. We update it when the ATO updates the rules.

How is my data protected?

AES-256 encryption at rest, TLS 1.2+ in transit, role-based access, and audit logging on financial records. Hosted on Australian infrastructure and aligned with the Privacy Act 1988 and the Australian Privacy Principles.

Does Tenovo provide financial advice?

No. Tenovo is software that helps you and your advisor see numbers more clearly. Personal financial advice in Australia is a regulated activity and must come from someone licensed to provide it.

Request access

Tenovo is in early access. Send us a note through the in-app messaging system once you’ve been onboarded, and our team will get back to you there.

If you don’t have access yet, leave your details with the onboarding team and we’ll get in touch.