Independent property analysis · Australia
Should you buy
this property?
Paste any listing. Plintha reads it, runs the numbers under the 2026–27 tax rules, and hands down a verdict — Meets Criteria, Conditional, or Below Criteria — with every figure shown and sourced.
No card · No sign-up · First verdict in ~3 minutes
47 Banksia St, Coorparoo QLD
Sample
Plintha score
78/100
Meets criteria
Stamp duty verified against all 8 state & territory revenue offices · ABS Census & population data · 2026–27 Budget rules built in · Deterministic engine — same property, same numbers
Why this exists
Every listing says “great investment.” None of them show you the maths.
1
The mistake is expensive.
Stamp duty on a $700,000 Victorian house is $37,070 — gone the day you settle. Buy wrong, and unwinding it adds agent fees, CGT, and years on an asset that underperforms.
2
Everyone in the deal is paid to say yes.
The selling agent works for the vendor. The broker is paid on settlement. Plintha is paid by you, sells nothing else, and earns nothing if you buy.
3
The rules just changed.
The 2026–27 Budget rewrote negative gearing and CGT. Most spreadsheets — and plenty of advice — still run last year's rules. Plintha classifies every property under the new regime.
How it works
From listing to verdict in minutes.
- 01
Paste the listing.
A URL, a PDF, a screenshot, or an agent's email. The engine reads what's there — and flags what isn't.
- 02
Set your strategy.
Yield or growth. The verdict is scored against what you're optimising for, not a generic average.
- 03
Read the verdict.
Meets Criteria, Conditional, or Below Criteria — a 0–100 score, the full financial model, the risks, and a stress test.
Under the hood
What the engine checks.
A deterministic finance engine does the arithmetic; AI reads the listing and writes the reasoning. The numbers never come from the language model.
Stamp duty
Exact, all 8 states & territories — verified against each revenue office
After-tax weekly cashflow
Under the 2026–27 Budget rules, by property class
Negative gearing eligibility
New build vs established vs grandfathered
Depreciation
Division 40 & 43, aware of the building's physical age
Land tax
State brackets — flagged as an estimate, with its assumption shown
Capital growth
Data-derived from ABS Census, population and income — not a vibe
Stress test
+2% rates, extended vacancy, interest-only expiry to P&I
Buyer's-agent conflict check
Who pays whom on the deal, flagged in plain English
Our rule
Every number is computed — or flagged.
When a figure is exact, the report shows where it comes from. When it's an estimate, it's marked as one — with the assumption spelled out. When the honest answer is “ask your accountant,” that's what the report says. If a number can't be trusted, it doesn't ship.
For first-home buyers
Can't afford to buy where you want to live? Rentvest smarter.
Renting where you want to live and buying where the numbers work is an investment decision — and that's exactly what Plintha is built to judge. Run the listing before you commit the deposit, so your first move builds wealth instead of regret.
Check a rentvest propertySample verdict · 47 Banksia St, Coorparoo
A verdict you can act on. Not just a number.
Why it meets criteria
- • Gross yield 4.1% — above the suburb median of 3.6%ABS
- • Net cashflow positive after year 3 under the new-build CGT electionengine
- • Population growth 2.8% p.a. with the supply pipeline well below demandABS
Watch for
- • Duplex potential flagged — verify the council overlay before settlementflag
- • Buyer's-agent fee $12,500 paid by buyer only — REBAA member, cleancheck
- • Stress test: still cashflow positive at +2% rates and 6 weeks vacancyengine
Free to start. Fair from there.
One free verdict every month. Full analyses from $89— less than a building inspection, and there's no subscription to cancel.
Questions
Fair questions, straight answers.
Is this financial advice?+
No. Plintha provides general property information and analysis only — it doesn’t consider your personal objectives, financial situation or needs. Use it to get informed, then confirm decisions with licensed professionals.
What data does Plintha use?+
The listing you provide, plus public Australian data: state and territory revenue office duty rates, ABS Census and population data, ATO tax rules, and current lending assumptions. Every figure in the report is labelled — computed, estimate, or assumption.
Is it current with the 2026–27 Budget?+
Yes. The May 2026 Budget restricted negative gearing to new builds and changed CGT treatment from 1 July 2027. Plintha classifies every property under the new regime — new build, established, or grandfathered — and models the tax outcome for that class.
What do I get free?+
One full analysis every month: the verdict, the 0–100 score, per-strategy scores, and the tax-regime classification. Paid credits unlock the complete written analysis, full stress test detail, the buyer’s-agent conflict check, and clean PDF export.
Can I analyse a property held in an SMSF, company or trust?+
Yes — with an honest limitation. Entity tax treatment varies too much to assert, so Plintha models the pre-tax position and tells you to price the tax with your accountant, rather than guessing on your behalf.
How is Plintha different from a buyer’s agent?+
A buyer’s agent finds and negotiates property, typically for $10,000–15,000. Plintha is the independent second opinion: it doesn’t sell property, earn commissions or take referral fees — so the verdict has nothing riding on your yes.