Know exactly where your portfolio stands — property by property

EquiSight scores every property across leverage, cash flow, liquidity, and stress tolerance — and gives you one clear action to improve your weakest.

Get my portfolio score Try it with one property — no signup →

See your score in 10 minutes. Free for 14 days.

0/100

Stable

Leverage82

Income Quality71

Liquidity Buffer75

Stress Tolerance68

Built for the Australian market

Data encrypted & private

Data never leaves Australia

No card needed for trial

No bank login needed

Most property investors are flying blind

Rate decisions impact your portfolio before you see them

When the RBA adjusts the cash rate, the effect on your repayments and cash flow is immediate. Most investors don’t quantify the portfolio-level impact until weeks later.

Static tracking doesn’t model forward risk

A spreadsheet captures your current LVR and rental yield. It cannot model how a 50-basis-point increase would affect your serviceability across multiple properties.

No ongoing portfolio risk assessment exists

Lenders assess your borrowing capacity at application. Post-settlement, there is no continuous monitoring of portfolio health, cash flow coverage, or buffer adequacy as conditions change.

Portfolio intelligence, property by property

One score per property. One score for your portfolio.

Each property receives an individual health score assessed across four pillars: leverage, cash flow coverage, liquidity buffer, and stress tolerance. View per-property equity, LVR, and cash flow alongside a portfolio-level weighted score.

RBA Rate Watch — RBA rate decision announced today. Your projected score will be confirmed tomorrow.

Portfolio Resilience Score

0/100

Stable

Confirmed · 10 Apr 2026

Portfolio last updated 10 April 2026

Portfolio Value

$2.69M

LVR

65.0%

Usable Equity

—

Monthly Cash Flow

$420/mo

Leverage

30%LVR 65%

Your debt is 65% of property value

Your portfolio-weighted LVR is 65%. Lower leverage improves this pillar — paying down loans or increasing property values will help.

Income Quality

20%—

Share of running costs funded by rent

Your rent fully funds the property's running costs, with 420/month of surplus. Above 100% = positively geared.

Liquidity Buffer

25%14mo buffer

14 months of reserves if income stops

You have approximately 14 months of cash reserves to cover shortfalls. Building reserves improves this score.

Stress Tolerance

25%4 scenarios averaged

Rate rises + vacancy, averaged

Average of your portfolio score across four stress scenarios: +2% and +3% rate rises (variable loans only), plus 4-week and 6-week vacancies (investment properties only). Fixed-rate loans within their fixed period are unaffected.

Recommended Action

Add $15,000 to cash reserves to lift your liquidity buffer from 14 to 19 months· Projected: 81 (Stable)

Explore in What-If →

Properties2 active

Address	Score	Cash Flow
12 Marine Pde, Manly House · NSW	80Stable	$180/mo
8 Boundary Rd, New Farm Townhouse · QLD	78Stable	$150/mo

View all properties →

A credit score for your property portfolio

Instantly see if your portfolio can weather what's coming — rate rises, vacancies, rent drops.

Four pillars, live

Leverage, coverage, buffer, stress — recalculated as you edit.

Actions with measurable impact

Every recommendation shows its projected score change — so you can pick the move with the biggest return.

Per-property scoring

Every property gets its own score across all four pillars, so you know exactly which one to refinance, sell, or buffer up — not just a portfolio average.

RBA changes, live

Your projected score updates within minutes of every RBA cash-rate announcement.

A credit score for your property portfolio

Instantly see if your portfolio can weather what's coming — rate rises, vacancies, rent drops.

Four pillars, live

Leverage, coverage, buffer, stress — recalculated as you edit.

Actions with measurable impact

Every recommendation shows its projected score change — so you can pick the move with the biggest return.

Per-property scoring

Every property gets its own score across all four pillars, so you know exactly which one to refinance, sell, or buffer up — not just a portfolio average.

Your score in under 10 minutes

Enter your property details

Property value, loan balance, interest rate, and rental income. Address lookup handles the rest.

See your score in seconds

Each property scores individually across four pillars, with a portfolio-level weighted score. Scores recalculate automatically when rates move or you update your details.

Act on clear recommendations

Every score includes a prioritised action with a projected score impact. Model the change before committing — see exactly how your score responds.

Try it now — see your score in 60 seconds

Enter one property. No signup required.

Property Value

Loan Balance

Interest Rate

Weekly Rent

Annual Expenses

Cash Reserves

Add your full portfolio for a per-property breakdown

Get a specific action to improve your weakest pillar

Scores recalculate automatically when rates move

Simple pricing. No lock-in.

MonthlyAnnual3 months free

Investor

For investors getting started

$14/mo

$168 billed annually · Save $60/yr

Up to 3 properties
Portfolio Health Score
4-pillar breakdown
RBA rate alerts
Score history

Start 14-day trial

Portfolio

For growing portfolios

$22/mo

$264 billed annually · Save $96/yr

Up to 6 properties
Everything in Investor, plus:
What-If stress testing
Rate comparison
PDF reports
Scenario comparison

Start 14-day trial

Pro

For serious investors

$37/mo

$444 billed annually · Save $144/yr

Unlimited properties
Everything in Portfolio, plus:
Priority support
API access (coming)
Advanced analytics

Start 14-day trial

All plans include a 14-day free trial with full access. No credit card required.

Common questions

Your data is encrypted at rest with AES-256 encryption. All data is stored on servers in Sydney, Australia. We enforce row-level security policies so users can only access their own data. Stripe handles all payment processing — we never see your credit card details. We voluntarily comply with the Australian Privacy Act.

Your Portfolio Health Score uses a proprietary model that assesses multiple dimensions of portfolio risk. It considers your property values, loan details, rental income, expenses, and cash reserves to produce a single number from 0 to 100. The model evaluates factors like how leveraged your portfolio is, whether your rental income covers your costs, how long your cash reserves would last in a downturn, and how sensitive your portfolio is to rate changes. We continuously refine the methodology based on real-world risk conditions.

No. EquiSight uses manual data entry only. You enter your property values, loan balances, interest rates, and rental income. Many property investors prefer this approach as it gives them full control over their data without sharing bank credentials.

When the RBA announces a rate decision, EquiSight detects it within minutes and automatically recalculates your score with the new rate applied to your variable-rate loans. You’ll receive a projected score immediately, followed by a confirmed score the next day. On hold decisions, you’ll get a scenario showing what a 0.25% rise would mean.

Yes. There are no lock-in contracts. You can cancel your subscription from the dashboard at any time. If you request account deletion, your data is permanently removed within 30 days.

No. EquiSight provides portfolio analytics and scoring only. It does not provide financial advice, product recommendations, or investment guidance. The scoring engine is a risk measurement tool — it tells you where your portfolio stands, not what to do about it. Always consult a licensed financial advisor before making investment decisions.

Ready to know your score?

14-day free trial. Full access. No credit card.

Get your score in 10 minutes