What it does

For each investment property, Frank models two paths over the same horizon:

• Hold — projected value (capital growth) + cumulative rent − cumulative cash drag − remaining mortgage at the end
• Sell now and reinvest — net cash today (after CGT) compounded at your assumed reinvestment return

Then it shows the delta and which path comes out ahead.

Inputs

• Horizon (years) — default 10
• Capital growth % — annual property growth, default 6
• Rental growth % — annual rent growth, default 3.5
• Reinvest return % — what you'd earn on the sale proceeds, default 7
• Sale price today — override the asset's current value with a specific sale price
• Other taxable income — for CGT marginal rate, default $135k

Outputs

Hold side:

• Projected end value
• Remaining mortgage
• Cumulative cash drag (interest + costs − rent − tax shields)
• Net position

Sell side:

• Net cash today (after CGT, with 50% discount applied if held >12 months)
• CGT payable
• Reinvested value at the horizon

Comparison:

• Delta + direction (hold ahead by X / sell ahead by X)
• Percentage delta vs the sell scenario

Information only

Frank doesn't tell you to hold or sell. The model has a lot of moving parts (growth assumptions, tax position at sale, reinvestment vehicle, transaction costs not fully captured). Use it as a starting point for the conversation with your accountant or planner.