> For the complete documentation index, see [llms.txt](https://docs.scaleconnect.com.au/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.scaleconnect.com.au/scaleconnect-docs/simulator/adding-clients.md). # Adding Clients You can start the add-client flow from multiple places: * **Add Clients page** — click **Create Account** on the Add New Client card. * **Simulator** — click **Start from Scratch** in the Scenario Manager. A modal asks how you want to add the client:
OptionWhat it does
Add existing ScaleApp userLink a client who already has a ScaleApp account. Enter their phone number (and optionally a second number for joint accounts) to connect their existing data to your practice.
Invite new clientCreate a brand new strategy and walk through the full add-client flow — profile, properties, goals, and automations.
If the client already uses ScaleApp, linking by phone is the fastest path — their portfolio data comes across automatically. If they're new, the invite flow creates everything from scratch. {% hint style="info" %} **Templates pre-fill realistic data** so you don't start from scratch. Click **Use Templates** in the sidebar to choose from client profiles, property scenarios, goal presets, and automation configs. {% endhint %} *** ## The Add-Client Flow ### Client Profile The profile page has four sections. 1. **Personal Details** — first name and date of birth are required. Last name, email, phone, and client type (First Home Buyer, Existing Home Owner, Investor, or Downsizer) round out the record. 2. **About the Client** — toggles for Australian citizenship, partner status, private healthcare, HECS/HELP loan, and a dependents slider. 3. **Income & Expenses** — deposit savings, gross annual salary, and monthly living expenses. 4. **Personal Parameters** — optional indexed growth toggles for salary and living expenses. Click **Save** to create the record. The sidebar ticks off the section and you move on. {% @arcade/embed url="" flowId="g5KjEdTiiQrXZM7MGUr5" %} ### Properties Search for an address using the PropTrack-powered search bar — it auto-fills location, property specs, and land value. Then complete purchase details, ownership, acquisition costs, cashflows, loan details, parameters, and tax. For full details, see [Adding Properties](/scaleconnect-docs/simulator/adding-properties.md). You can add multiple properties and multiple loans per property. Each property appears in the sidebar. ### Goals and Subgoals Set a primary goal (Home or Investment purchase) with target price, state, acquisition costs, and deposit strategy. Then optionally add subgoals — Portfolio Value, Debt Remaining, Equity, Annual Free Cashflow, or Proceeds from Sale — each with a start date and target. ![Primary goal form and subgoals list](https://1103942972-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIVoALSAigc466POg2rP1%2Fuploads%2Fgit-blob-701c738e2c3228fad646b8063ea0f3dbaf3da6db%2FAdd_Client_Primary_Goal.png?alt=media) ### AI Automations Configure how ScaleAI monitors this client: review frequency, review scope (10 toggle areas), scheduling bot settings (trigger metric, target value, lead time), and approval mode. For full details, see [Set Up Your Automations](https://github.com/scaleapp-au/scaleconnect-docs/blob/main/simulator/adding-clients/set-up-your-automations.md). ### Joint Accounts After saving Client 1, click **Add Client 2** to add a partner or co-investor. Client 2 gets their own profile. On the Properties step, the Ownership section lets you split percentages between both clients. {% hint style="warning" %} The Client 2 form is locked until Client 1 is saved. {% endhint %} *** ## Calculated & Pre-populated Data | Field | Source | Behaviour | | ------------------------------------------- | ------------------ | --------------------------------------------------------------------------------------- | | Client profile (when linking ScaleApp user) | ScaleApp sync | Existing portfolio data pulled from the client's ScaleApp account. All fields editable. | | All profile fields (when using templates) | Template | Pre-filled with realistic example data. All fields editable. | | Salary growth rate | Global assumptions | Default indexed rate from strategy parameters. Editable per client. | | Living expense growth rate | Global assumptions | Default indexed rate from strategy parameters. Editable per client. | *** ## Key Client Inputs
Client Type First Home Buyer, Existing Home Owner, Investor, or Downsizer. First Home Buyers may qualify for state-specific stamp duty exemptions or concessions depending on purchase price and property location. The simulator applies the relevant concession automatically when a property is added in the selected state. Client type also influences which strategy templates are recommended.
Australian Citizenship Non-Australian citizens and temporary residents may be subject to foreign buyer stamp duty surcharges that vary by state (e.g. 8% in NSW, 8% in VIC). The simulation applies the applicable surcharge when this toggle is off. Foreign buyers may also require FIRB approval, which carries additional fees.
Partner Toggles joint account mode. When enabled, a second client profile becomes available — both people get independent personal timelines (income, expenses, tax) while sharing the property portfolio. Required for Joint Tenants or Investment Partners ownership on properties. After saving Client 1, the **Add Client 2** button appears. Client 2 gets their own personal details, income, and expenses. On the Properties step, you can set ownership splits between both clients.
Private Healthcare Without private hospital cover, the Medicare Levy Surcharge (MLS) applies at 1–1.5% of taxable income for singles earning above the MLS threshold (\~$93,000). The simulation adds the MLS to the client's annual tax liability when this toggle is off and income exceeds the threshold. The threshold is higher for families with dependents.
HECS/HELP Loan When toggled on, the simulation deducts compulsory HELP repayments from the client's disposable income. Repayments are a percentage of taxable income above the minimum repayment threshold, scaling from 1% to 10% as income increases. This reduces free cashflow and can affect effective borrowing capacity.
Dependents Number of dependent children. Affects Medicare Levy Surcharge income thresholds (higher for families) and can influence expense scaling assumptions in long-term projections.
Deposit Savings Total cash available for a property deposit. Determines the deposit amount for the first property, which flows into LVR calculation, LMI assessment, and initial loan balance. If savings result in less than a 20% deposit on the purchase price, LMI is typically triggered.
Gross Annual Salary Primary income input. Drives PAYG tax calculations (marginal rates, Medicare levy, HELP repayments if applicable), personal cashflow projections, and free cashflow after expenses. Compounds each year by the salary growth rate when indexing is enabled.
Monthly Living Expenses Core personal expense after tax and loan repayments. The simulation treats this as a fixed monthly outflow that escalates annually by the living expense growth rate. Directly affects free cashflow — the amount remaining after tax, loan repayments, and living expenses are deducted.
Salary Growth Rate Annual percentage increase applied to gross salary when the indexed toggle is on. Salary compounds each year at this rate, affecting long-term income projections, tax bracket progression, and free cashflow growth. Default rate is set in the strategy's global assumptions.
Living Expense Growth Rate Annual percentage increase applied to monthly living expenses when the indexed toggle is on. Typically set as an inflation proxy. Expenses compound each year, eroding free cashflow over longer projection periods. Default rate is set in the strategy's global assumptions.
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