Platform features
Every tool you need to navigate the CGT cliff.
ClearGain combines ATO-aligned calculations, evidence-backed record keeping, and access to verified tax specialists — in one platform built for Australian property investors.
ClearGain Features — CGT Calculator, Scenario Modeller & Cost Base Vault
Real-time CGT exposure across your entire portfolio with grandfathering status, unrealised gains, and the exact cliff delta.
Scenario Modeller
Model any sale price, date, and CPI assumption. Multi-price sensitivity table, breakeven CPI, and new-build method comparison.
Cost Base Vault
Evidence-backed cost base ledger with document upload, ABS CPI indexation tracking, and ATO-ready PDF export.
Property Expenses
Track rental income and holding costs. Understand your negative gearing position and ATO rental schedule figures.
Adviser Marketplace
Find verified CGT specialists. Book consultations and share your portfolio summary before the call.
Plain English Guide
Every CGT term explained simply. Inline tooltips on every metric so you always know what you're looking at.
Portfolio Dashboard
All plansYour entire CGT exposure in one view.
Know exactly where you stand — before and after 1 July 2027.
The Portfolio Dashboard aggregates your entire property portfolio into a single, clear command centre. See your total estimated value, unrealised gains, CGT under current rules, CGT under post-2027 rules, and the exact delta — the additional tax you'd pay by waiting. Every figure updates automatically when the ABS publishes new CPI data.
- Total portfolio CGT exposure — current rules vs. post-2027 rules
- Per-property grandfathering status badge with plain English explanation
- Unrealised gain and delta (extra tax) for each property
- CGT timeline chart showing projected exposure over time
- Negative gearing summary — quarantined vs. fully deductible
- ABS CPI history chart with live quarterly updates
- Property detail drawer with full metrics, costs, and vault completeness
- Next-best-action panel with personalised recommendations
Scenario Modeller
All plansModel every option before you decide.
Side-by-side CGT comparison across any sale price, date, and CPI assumption.
The Scenario Modeller is a guided calculation workspace. Enter your assumed sale price, date, marginal tax rate, and CPI assumption — and instantly see your CGT liability under both the current 50% discount rules and the post-2027 CPI indexation rules. Adjust any input and results update in real time.
- Instant client-side calculation with server-side authoritative reconciliation
- Side-by-side tax payable and net proceeds comparison
- Multi-price sensitivity table — see CGT across ±10% of your assumed price
- Breakeven CPI analysis — the inflation rate at which new rules become favourable
- New build method comparison — 50% discount vs. CPI indexation
- Scenario save and history (Pro & Elite)
- Plain-English recommendation: 'Selling before 2027 saves you $X'
- Adviser referral from results — one click to the marketplace
Model every option before you decide.
Instant client-side calculation with server-side authoritative reconciliation
Side-by-side tax payable and net proceeds comparison
Multi-price sensitivity table — see CGT across ±10% of your assumed price
Breakeven CPI analysis — the inflation rate at which new rules become favourable
Cost Base Vault
EliteYour cost base, documented and defended.
Maintain ATO-ready records for every property in your portfolio.
The Cost Base Vault is an evidence locker for your property records. Maintain a structured ledger of every cost base item — purchase price, stamp duty, legal fees, and capital improvements — with supporting documents attached. Track how CPI indexation grows your cost base over time, and export an ATO-ready PDF report at any time.
- Structured cost base ledger — purchase price, acquisition costs, improvements
- Document upload with virus scanning — PDF, JPEG, PNG up to 20 MB
- Per-item document status: Verified, Scanning, or Missing
- ABS CPI indexation tracker — indexed cost base today and projected to 1 Jul 2027
- Vault completeness score — know exactly what's missing
- ATO-ready PDF export — full ledger, CPI methodology, and document manifest
- Inline add/edit for cost base items without leaving the page
- Drag-and-drop document upload with real-time progress
Your cost base, documented and defended.
Structured cost base ledger — purchase price, acquisition costs, improvements
Document upload with virus scanning — PDF, JPEG, PNG up to 20 MB
Per-item document status: Verified, Scanning, or Missing
ABS CPI indexation tracker — indexed cost base today and projected to 1 Jul 2027
Property Expenses
Pro & EliteTrack income and costs. Know your position.
Understand your negative gearing status and prepare for tax time.
The Property Expenses tracker lets you log rental income and holding costs by financial year for each property. Categorise expenses across 9 deductible categories, track receipt attachment, and see your ATO rental schedule figures — including the critical distinction between fully deductible and quarantined negative gearing losses.
- Income and expense ledger by property and financial year
- 9 deductible expense categories with plain-English deductibility explanations
- Negative gearing status — quarantined (post-Budget-night) vs. fully deductible
- Monthly income vs. expenses bar chart
- ATO rental schedule summary — gross income, deductible expenses, net
- Receipt tracking per entry — know what's documented and what's missing
- Expense breakdown by category with percentage visualisation
- Export rental schedule for your tax agent
Track income and costs. Know your position.
Income and expense ledger by property and financial year
9 deductible expense categories with plain-English deductibility explanations
Negative gearing status — quarantined (post-Budget-night) vs. fully deductible
Monthly income vs. expenses bar chart
Adviser Marketplace
All plans (booking: Elite)Verified CGT specialists. One click away.
Find, vet, and book a tax expert without leaving ClearGain.
Every adviser on ClearGain holds a current AFSL or Tax Agent registration, verified against the TPB public register and ASIC Connect. Browse by state, specialisation, fee, and availability. Elite plan members can share a secure portfolio summary before the call — so advisers arrive prepared and consultations are more productive.
- Verified credentials — AFSL and Tax Agent registration checked
- Search and filter by state, specialisation, rating, fee, and availability
- Full adviser profiles with bio, credentials, verified reviews, and response stats
- Transparent fees — hourly or fixed, no hidden costs
- 3-step booking flow — time slot, portfolio share consent, confirmation
- Portfolio share (Elite) — advisers see your properties, cost bases, and CGT exposure
- Booking confirmation with calendar invite
- Post-consultation review system with 48-hour moderation
Plain English Guide
All plansNo accounting degree required.
CGT legislation is complex. ClearGain makes it accessible. Every metric, badge, and financial figure in the platform has an inline tooltip explaining exactly what it means in plain English. The Plain English Guide panel covers eight key topics — from what CGT is to how CPI indexation works — all written for investors, not accountants.
- Inline tooltips on every financial metric and badge
- 8-topic Plain English Guide panel — accessible from the dashboard
- Expandable explanations for CGT, grandfathering, cost base, CPI, negative gearing, and more
- Dual-level explanations: practical summary + full detail
- Persistent disclaimer on all calculation outputs
Plain English Guide
What is CGT?
Capital Gains Tax is the tax you pay when you sell an investment property for more than you paid for it.
What is the CGT cliff?
1 July 2027 is the date when the new CGT rules take effect for properties bought after Budget night.
What does 'grandfathered' mean?
If you bought before Budget night, you keep the old 50% discount rules.
What is CPI indexation?
Your cost base is adjusted for inflation before calculating your gain — so you only pay tax on real profit.
What is negative gearing?
When your property costs more to hold than it earns in rent.
Feature comparison
What's included in each plan.
| Feature | Starter $59/mo 1 property | Pro $89/mo Up to 4 | Elite $169/mo Unlimited |
|---|---|---|---|
| Portfolio Dashboard | |||
| Grandfathering auto-detection | |||
| CGT exposure calculation | |||
| ABS CPI-linked calculations | |||
| Plain English Guide + tooltips | |||
| Adviser marketplace (view) | |||
| Basic scenario modeller | |||
| Full scenario modeller | — | ||
| Multi-price comparison table | — | ||
| Save & compare scenarios | — | ||
| Property expense tracker | — | ||
| Negative gearing analysis | — | ||
| Cost Base Vault | — | — | |
| Document upload & management | — | — | |
| ATO-ready PDF export | — | — | |
| CPI indexation tracker | — | — | |
| Portfolio-level scenarios | — | — | |
| Adviser booking + portfolio share | — | — |