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Support Tools » Property Investment Analysis (PIA)

Property Investment Analysis (PIA) Software.

The Somersoft Investment Analysis (PIA) program is an internationally acclaimed tool for savvy property investors. It will analyse the capital growth, cash flows, and tax implications for any investment property and provide instant feedback on the projected after-tax cost and rate of return.

The software has been developed by Ian Somers a former research scientist with more than 20 years of experience in mathematical modelling and computer software design. In collaboration with his wife Jan, he has written this essential decision making tool which makes difficult property investment calculations easy to do and easy to understand. Even novice property investors can find the answer to virtually all of their questions with just a few clicks of a mouse and the entry of a few key variables.

On the market since 1988, PIA has become an industry standard in both Australia and New Zealand, and is currently being used by thousands of property investors.

The software will compute cash flow projections for up to 40 years and has facilities for changing more than 100 variables including property price, rent, capital growth, inflation, deposit, loan type, etc. The internal rate of return (IRR) and the cost-per-week are recalculated automatically whenever a change is made.

PIA Personal Professional – PIAFpu (Fpu = For personal use) – This version of the program is designed specifically for investors and comes as software only, has a single-user license, and is restricted to personal use.

PIA Professional – PIAPro (Pro = Professional) – This version is designed for industry professionals who want to use PIA to help investors understand all the benefits and implications of investing in property. This version has all the analytical features of the PIA Personal Professional plus additional client-related features (e.g. client detail fields and professional disclaimers in any generated reports). The professional package also includes a site license for the software and complimentary copies of two of our books More Wealth from Residential Property and Building Wealth Story by Story.

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.

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.

Home loan analysis

A home loan analysis spreadsheet provides similar functionality to that of the investment analysis. 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.

Wealth Builder

A wealth builder spreadsheet to simulate the purchase of investment properties over time, and hence tailor a plan for accumulating wealth at a rate consistent with an investor's personal income and living expenses.

Linked-loan analysis

A spreadsheet for examining the implications of using investment property income streams to accelerate repayments on a home loan.

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 and medicare levy for any specified taxable income using the tax scales set within the program's settings menu.
*	Stamp Duty Calculates the stamp duty on a property based on the government stamp duty scales as 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.
*	*Capital Gains Tax* A facility for estimating capital gains tax liability on the sale of an investment property, catering for capital improvements and the write-back of any depreciation claims.
*	*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 Reckoner* A facility for working out current net worth of investment assets and the number of years needed to achieve retirement goals.
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Graphics screens

*	*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.
*	*Before- and after-tax cash flows Chart* showing the cash flows (and break-even points) for the investment property before and after tax is taken into account.
*	*Before- and after-sale rates of return Chart* showing the internal rates of return for the investment projected over a range of years.
*	*Property and bank returns comparison Chart* which compares the return from the investment property to that of the same monies invested at a specified bank interest.
*	*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.
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Reports

*	*Financial Report* The program can produce a one-page summary or a detailed financial report (5-6 pages) for the proposed investment.
*	*Detailed Report* A report which details all of the information relevant to the specific investment along with a detailed description of the input variables 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.

Description	Our Price
PIA Software	$ 245

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