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Spreadsheets

PIA has four separate spreadsheets to assist you in evaluating property. They are the Investment Analysis, Wealth Builder, Home loan, and Linked-Loan spreadsheets.

Investment Analysis:

This is the main spreadsheet for analysing individual investment properties you are looking to purchase. It can provide financial forecasts up to 40 years into the future. Factors such as the purchase price, rent and property expenses can be quickly entered along with the size of your deposit (if any) and loan conditions. PIA automatically calculates your annual rent and yield, loan repayments, total expenses and their percentage of the rental income, pre-tax cashflow, depreciation allowances, your tax situation, after tax cashflow and Internal Rate of return. Assumptions such as the inflation rate and capital growth rate can be changed in your settings. What-if scenarios can be examined at the click of a mouse. The information is essential and the timesavings are incredible.

Wealth Builder: 

The wealth builder spreadsheet simulates the purchase of investment properties over time, helping you to plan for accumulating wealth in a manor that is consistent with your personal income and living expenses while showing debt levels so you are comfortable with your risk levels. Each new property you acquire can be linked into other investment properties so you are always sure of your total position.

Home loan analysis: 

The home loan spreadsheet lets you keep track of your home loan. This major feature accommodates line of credit options, loan consolidation, refinancing, regular, additional and irregular payments and regular and irregular redraws, variable interest rates and automatically recalculates the term of the loan.

Linked-loan analysis: 

A spreadsheet for examining the implications of using investment property income streams to accelerate home loan repayments with the view to being debt free on your own home. A great tool.

Reports

Financial Report:

PIA can produce a one-page summary or a detailed financial report of 5 or 6 pages for the proposed investment. This is ideal for helping you to secure finance for the purchase and makes you look like a professional.

Detailed report:

A report which details all of the information relevant to the specific investment along with a detailed description of the input variables plus assumptions and what they mean.

Portfolio report:

Accumulates properties according to when each was purchased and calculates cash flows and rates of return on the entire portfolio.

Multiple Properties:

Calculates cash flows and rates of return on multiples of the specified property.

Home loan report:

A report which provides the details and annual break-down of an investor’s home loan, showing the term of the loan and the total interest paid.

Graphics

Who pays the interest?

Pie chart showing the relative contribution of the investor, the tenant and the taxman in meeting the interest bill for the specific investment property.

Property value & debt:

Chart of the increasing property value compared to the level of debt on the investment property.

Cash flows:

Chart showing the cash flows (and break-even points) for the investment property before and after tax is taken into account.

Rates of return:

Chart showing the internal rates of return for the investment projected over a range of years for before and after a sale.

Property and bank investment comparison:

Compares the return from the money invested in a property to the same amount of money deposited in a bank.

Investment loan repayments:

Chart showing annual interest and repayments on the investment loan.

Equity & investment:

Chart comparing the rising equity in the investment with the total monies invested over time.

Tax liabilities:

Chart comparing projected tax liabilities with and without the acquisition of the investment property.

Home loan payments:

Chart showing the annual interest and repayments on a home loan.

Loan balances:

Chart comparing the home and investment loan balances over time.

Combined LVR:

Chart showing the Loan to Value Ratio for home and investment properties over time.

Calculators

Property Investment Calculators

Capital growth:

Calculates an average rate of capital growth given the value of a property at two points in time and the number of years between.

Inflation rate:

Calculates an average inflation rate based on the value of any item at two points in time.

Income tax:

Calculates the tax liability for any specified taxable income using the tax scales set within the program's settings menu.

Sales commission:

Calculates the sales commission on a property based on the scales set within the program's settings menu.

Loan payments:

A financial calculator is provided for working out the repayments on any P&I loan. It is also possible to work out the new term of the loan if either the frequency of payments is changed (e.g. paying fortnightly rather than monthly) or the payments are increased.

Loan Consolidation:

A facility for examining the revised payments and after-tax cost of combining existing loans and adding that for an investment property.

Loan Eligibility:

A calculator for working out whether an investor meets a financial institutions criteria to qualify for a property investment loan.

Retirement Estimator:

A facility for working out current net worth of investment assets and the number of years needed to achieve retirement goals.

Settings allows you to customise the program to your particular requirements and circumstances. Available Settings include:

Linking home & investment Loans to show the finance big picture

Tax scales so you can enter your own personal information

Preferences for fonts, magnification of forms, colours etc

There are many variables that you can amend for specific properties, or leave as defaults to speed up the time it takes to analyse individual properties. Variables you can alter include:

Property

• Property value
• Purchase costs (lawyers fees etc)
• Rental income
• Property expenses (rates, insurance etc)
• Depreciation on building and chattels
• Cost of planned improvements and repairs
• Improved value in property through improvements
• Value of increased equity through bargain buying

Finance

• Deposit (if any)
• Loan costs (bank fees etc)
• Loan types (interest only, P&I, line of credit etc)
• Interest rates and projected future changes

Investor details

• Income
• Multiple owners (share of ownership)
• Incomes
• Marginal tax rates
• Personal expenses

Economic predictions

• Property capital growth rate
• Inflation rate
• Interest rate changes

Key Features

Taxable & Net Income Allows you to specify and distinguish between current taxable and net income, taking into account any tax rebates and non-cash deductions.

Living Expenses A template that allows you to estimate how much money you need to put aside for essentials so that you can work out your capacity to invest.

Investment Capacity A facility for helping you to calculate how many investment properties you can afford, taking into account your current annual living expenses.

Tax Benefits A facility for examining the tax implications for the specific investor and investment property.

Tax Variation Calculates the appropriate information used when applying to the Taxation Department for a variation in PAYE tax instalments.

Loan Types The program enables you to compare the difference between interest-only and principal & interest type finance in relation to cash flow commitments and rates of return on the investment. A line of credit can be simulated in the latest version.