> 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/cash-flow-projections.md). # Cashflow Projections The Cashflows tab shows year-by-year financial projections for a client's strategy. Two views are available — **Personal Cashflows** and **Portfolio Cashflows** — covering the client's income and expenses, the investment property portfolio, and how the two combine. Every event on the personal and property timelines feeds into these projections. When you add, edit, or remove an event, the simulation recalculates all cashflows from that point forward. *** ## Accessing Cashflows 1. Open a client from your client list. 2. Click the **Cashflows** tab in the top navigation bar (alongside Overview, Simulator, and Charts). 3. The Personal Cashflows view loads by default. Click **Portfolio Cashflows** to switch. The same cashflow views are also available inside the simulator when you have a strategy open. {% @arcade/embed url="" flowId="wJ9EkmhxHt0rlgYCxuiR" %} ### Reading the Table Each cashflow view is a table with **line items as rows** and **financial years as columns**. Financial years are displayed as calendar years (e.g. 2025, 2026, 2027) aligned to the Australian financial year. * **Pagination** — On desktop, the table shows multiple years per page. Use the left/right arrows in the top-right corner to page through. The number of visible columns adjusts automatically based on your screen width and whether the sidebar is open. * **Mobile** — On smaller screens, a year dropdown replaces the column layout. Select a single year to view its figures. * **Line item symbols** — Some rows are marked with `+`, `-`, `+/-`, or `=` to indicate whether a value is added, subtracted, variable, or a subtotal. * **Bold rows** — Subtotals and key totals are displayed in bold. *** ## Personal Cashflows The Personal Cashflows view shows the client's income, expenses, and savings — both before and after accounting for the investment portfolio. It is divided into three sections. ### Personal Cashflow The client's non-property income and outgoings.
Line ItemWhat it shows
SalaryGross annual salary (pre-tax)
Living ExpensesAnnual living costs
HECS/HELP RepaymentCompulsory student loan repayments based on income
Sole Trader IncomeSide hustle or freelance income (not PAYG-taxed)
Personal LoansPersonal and car loan repayments
Bonuses & CommissionsRecurring bonuses and one-off commission payments
PAYG TaxPay As You Go tax instalments
Other Investment CashflowsDividends, managed fund distributions, or other non-property investment income
Total Personal CashflowsNet of all the above
These values are driven by the assumptions and timeline events on the personal timeline. See [Personal Events](https://github.com/scaleapp-au/scaleconnect-docs/blob/main/simulator/personal-events-1.md) for how to add and edit them. ### Portfolio Cashflow The cash impact of the property portfolio on the client's position.
Line ItemWhat it shows
Purchasing CostsStamp duty, legal fees, and other acquisition costs in the year a property is purchased
Rental IncomeGross rent received across all investment properties
Operating CostsMaintenance, management fees, and recurring property expenses
Debt PaymentsPrincipal and interest repayments on property loans
Capital ExpensesCash improvements and capital works
Plant & EquipmentPP&E asset purchases (depreciable items like appliances)
Land TaxState-based land tax liability
Equity WithdrawnCash accessed through equity drawdowns or refinancing
Net Cashflow From SaleNet proceeds when a property is sold (after debt and selling costs)
Total Portfolio CashflowNet of all the above
These values are driven by property events — loans, sales, operating expenses, refinances, and construction. See [Property Events](https://github.com/scaleapp-au/scaleconnect-docs/blob/main/simulator/property-events-1.md) for the full list. ### Cashflow Summary Combines the personal and portfolio layers into a single bottom line.
Line ItemWhat it shows
Personal CashflowTotal from the Personal Cashflow section above
Portfolio CashflowTotal from the Portfolio Cashflow section above
Tax ReturnEnd-of-year tax adjustment — positive means a refund (e.g. from negative gearing), negative means tax owed
Net Cashflow To EquityThe client's net annual cash position after all income, expenses, and tax
Cash SavingsCumulative cash balance over time
Cash Savings (incl. Offset)Cash balance including funds held in offset accounts against property loans
{% hint style="info" %} The **Tax Return** line is where negative gearing shows its impact. When deductible property losses exceed rental income, the resulting tax refund flows back here as a positive cashflow. {% endhint %} *** ## Portfolio Cashflows The Portfolio Cashflows view focuses on the property portfolio in isolation — operating performance, tax position, funding, equity invested, and sale proceeds. This is the investment-level view, independent of the client's personal income. It is divided into five sections. ### Cash Flow Operating performance of the portfolio. | Line Item | What it shows | | ------------------------------ | -------------------------------------------- | | Rental Income | Gross rent across all properties | | Operating Expenses | Maintenance, management, and recurring costs | | **Net Operating Income (NOI)** | Rental income minus operating expenses | | Principal Repayments | Loan principal paid down | | Interest & Financing Fees | Interest charges and loan-related fees | | **Operating Profit** | NOI minus all debt servicing costs | ### Tax Benefits & Deductions The tax position generated by the portfolio. | Line Item | What it shows | | -------------------------- | ----------------------------------------------------------------------------------------------------------------------------- | | Rental Income | Gross rent (same as above, used as the tax income baseline) | | Deductible Expenses | Operating costs that qualify as tax deductions | | Deductible Interest | Loan interest that is tax-deductible (based on investment allocation percentage) | | PP\&E Depreciation | Diminishing value or straight-line depreciation on plant and equipment items | | Land Tax | State-based land tax | | Capital Works Depreciation | Division 43 depreciation on structural improvements (e.g. renovations, granny flats) | | Capital Gain / Loss | Realised gains or losses from property sales | | **Net Taxable Income** | The portfolio's taxable income after all deductions | | **Tax Paid (Saved)** | Estimated tax liability — negative values indicate a tax saving (the portfolio generates deductions that offset other income) | {% hint style="info" %} The **Tax Paid (Saved)** figure reflects how the portfolio's tax position interacts with the client's marginal tax rate. A negative value means the portfolio's deductions reduce the client's overall tax bill — this is the core mechanic of negative gearing. {% endhint %} ### Funding The equity position of the portfolio over time. | Line Item | What it shows | | -------------------- | ------------------------------------------------------------------------------------------------------ | | Portfolio Value | Total market value of all properties (based on capital growth assumptions and any appraisal overrides) | | Debt Outstanding | Total remaining loan balances | | **Total Equity** | Portfolio value minus debt | | **Equity Available** | Usable equity at 80% LVR — the amount that could be borrowed against | ### Equity Cashflows Cash invested into the portfolio over time. | Line Item | What it shows | | ------------------------- | --------------------------------------------------------------- | | Deposit & Closing Costs | Cash contributed for deposits, stamp duty, and settlement costs | | Construction Equity | Cash equity contributed during construction loan phases | | Voluntary Loan Repayments | Extra repayments above scheduled amounts | | Contingent Equity | Other equity contributions | | **Total Equity Invested** | Sum of all cash equity put into the portfolio | ### Sale Projected proceeds from property disposals. | Line Item | What it shows | | ---------------------- | --------------------------------------------------------------------- | | Sale Price | Gross sale price | | Debt Outstanding | Remaining debt on the sold property | | Selling Costs | Agent fees, marketing, and legal costs (typically \~3% of sale price) | | Est. Capital Gains Tax | Estimated CGT liability on the sale | | **Proceeds From Sale** | Net cash received after debt, costs, and CGT | *** ## How Events Feed Into Cashflows Cashflow projections are outputs of the simulation engine. You don't edit cashflows directly — instead, you add events to the personal and property timelines, and the engine recalculates everything. {% tabs %} {% tab title="Personal events → Cashflows" %} * A **salary** assumption sets the Salary line in Personal Cashflow * A **living expenses** assumption drives the Living Expenses line * A **personal loan** event creates repayment entries under Personal Loans * A **bonus/commission** event adds income in the month it occurs * A **capital gain/loss** event flows into the tax calculation for that financial year * **HECS/HELP** repayments are calculated automatically based on income thresholds Full reference: [Personal Events](https://github.com/scaleapp-au/scaleconnect-docs/blob/main/simulator/personal-events-1.md) {% endtab %} {% tab title="Property events → Cashflows" %} * **Add Loan** and **Refinance** events drive the Debt Payments and Interest lines * **Operating expenses** and **cash improvements** flow into Operating Costs and Capital Expenses * **PP\&E items** create depreciation entries in Tax Benefits * A **Sell** event populates the Sale section and triggers CGT calculations * **Rental income** and **operating cost** assumptions drive the baseline revenue and expense lines * **Move House** and **Partial Rental** events affect which expenses are deductible and the CGT exemption status Full reference: [Property Events](https://github.com/scaleapp-au/scaleconnect-docs/blob/main/simulator/property-events-1.md) {% endtab %} {% endtabs %} *** ## Export to Excel Both cashflow views can be exported as an Excel workbook. 1. Click the **download icon** (↓) in the top-right corner of the client view while on the Cashflows tab. 2. The export generates an `.xlsx` file containing three sheets: * **Personal Cashflows** — all personal cashflow line items across every projected year * **Portfolio Cashflows** — all portfolio line items across every projected year * **Charts Data** — the underlying data for debt vs equity, cash and wealth impact, and equity cashflow charts The file is named `Cashflows_Export_YYYY-MM-DD.xlsx` with the current date. {% hint style="info" %} The export includes all projected years regardless of which page you're currently viewing on screen. {% endhint %} *** ## Time Horizon The number of years shown in the cashflow table is determined by the client's simulation time horizon — set during onboarding or strategy configuration. The projection runs from the client's start date through the full strategy duration. Pagination lets you scroll through the full projection. Each page shows a subset of years based on your screen width. *** ***
What's the difference between Personal Cashflows and Portfolio Cashflows? Personal Cashflows shows the client's full financial picture — salary, living costs, tax, and how the property portfolio affects their net cash position. Portfolio Cashflows isolates the investment properties — operating income, debt servicing, tax deductions, equity, and sale proceeds. Use Personal to understand affordability and savings. Use Portfolio to analyse investment performance.
Why does my Tax Return show a positive number? A positive Tax Return means the client is receiving a refund. This typically happens when investment property deductions (interest, depreciation, operating costs) exceed rental income — creating a tax loss that offsets salary income. This is negative gearing in action.
What does "Cash Savings (incl. Offset)" mean? This is the client's cumulative cash balance including any funds sitting in offset accounts linked to property loans. Offset deposits reduce interest charged on the loan but remain accessible as cash — so they're included in the total available savings figure.
Why do some years show $0 across all lines? If a year falls before the client's first property purchase or after all properties have been sold, the portfolio lines will show $0. Personal cashflow lines should still show values if salary and expenses are configured.
How do I change the time horizon? The projection length is set during client onboarding or when configuring a strategy. Adjust the simulation duration there — the cashflow table updates automatically.
Can I edit cashflow values directly? No. Cashflows are calculated outputs. To change a value, add or modify the relevant event on the personal or property timeline. The simulation recalculates all projections from that point.
I have a complex tax question about these numbers. For questions about how negative gearing offsets work, how depreciation schedules are calculated, how CGT exemptions apply, or any other tax-specific logic — ask ScaleAI via **Broker Brain** or the **client assistant** in ScaleApp. Both have full context on the client's strategy and can explain the calculations in detail.
--- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation by asking a question. Perform an HTTP GET request on the following URL with the `ask` and `goal` query parameters: ``` GET https://docs.scaleconnect.com.au/scaleconnect-docs/simulator/cash-flow-projections.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is what the user is ultimately trying to achieve, the reason they need the answer. Sharing it helps GitBook give you a better, more relevant answer. A goal is most helpful when it describes the outcome the user wants rather than restating the question. For example, with `ask=how do I create an API token`, a goal like `automate deployments from our CI pipeline` lets GitBook tailor the answer to that use case. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.