Most investors start with a spreadsheet. It is free, flexible and familiar. This guide shows the columns a good property portfolio spreadsheet needs, and the signs that it may be time to move to a dedicated portfolio app.
Equity = value − loan balance
LVR = loan balance ÷ value × 100
Gross yield = annual rent ÷ value × 100
Net cash flow = annual rent − expenses − interest
Add a total row so you can see portfolio value, debt, equity and overall LVR.
A spreadsheet is a good start for one property. As your portfolio grows, a dedicated app saves time and reduces errors: equity and LVR are calculated automatically, documents and reminders sit next to each property, and AI-powered reports summarise your position in plain English.
Swap the spreadsheet for one dashboard. Property Folio AI calculates equity, LVR and cash flow across every property, and keeps documents and reminders together.
Start your 30-day free trialOften, yes. Many investors find the effort grows quickly once they own two or more properties.
Yes. You can add each property, loan, rent and expense into the app and see your portfolio totals straight away.
Out-of-date or broken numbers, which can lead to decisions based on the wrong picture of your portfolio.
This article is general information only and is not financial, tax or legal advice. Consider speaking with a licensed professional about your circumstances.
