What we built in July

July was 18 releases across 31 days. Some of it was new features. A lot of it was going back and making things that looked like they worked actually work.

Here’s what I think matters.

The Cashflow Map

The thing I’m most pleased with.

The old dashboard had a chart. It showed you numbers. What it didn’t show you was where the money was actually going — which account rent landed in, which expenses came out of which property, whether your salary top-up was covering the shortfall or just sitting alongside it.

The Cashflow Map replaces that. It’s a flow diagram — rent comes in from each property, moves through accounts, and fans out into mortgage repayments, rates, insurance, management fees. Click a property and it traces just that flow. Toggle to portfolio view and you see the whole picture.

The thing that surprised me about building it: it immediately showed up errors in how we were calculating things. The old version was double-counting management fees already netted out of rent. You’d never have noticed from a table. A flow diagram makes it obvious.

It’s available on mobile too, which took longer than it should have.

DSCR on the dashboard

We added a DSCR hero widget to the dashboard and to each property’s Cashflow tab — with a link through to the docs explaining what it is, for anyone who hasn’t come across it before.

DSCR (Debt-Service Coverage Ratio) is the number your lender runs on your property before every approval. Most investors don’t know their own number. Now it’s on the first thing you see when you open the app.

We also added a Cash Balance widget, which adds up your transaction and savings accounts. Simple, but useful — it was previously only visible if you went looking for it.

Mortgages now use real numbers

This one took a while to get right.

Before July, a mortgage account’s balance was essentially a formula — original loan amount, minus projected repayments, based on the interest rate. Which is fine until you make a lump-sum payment, or your actual balance drifts from the projection, or you’re on an interest-only loan and the balance should stay flat but wasn’t.

Now mortgage accounts reconcile against a real linked bank account. Lump-sum payments appear as their own transaction in the Balance Projection and actually reduce the running balance. Interest-only loans stay flat unless you record something that changes them. The Cashflow Map shows a real transfer covering a shortfall as its own flow, instead of assuming the gap is always covered by some unmodelled salary.

There were also three separate bugs where balance projections were showing wrong numbers for different reasons. All fixed.

Per-property tax country

This one is for anyone running properties across more than one market.

Your account has a country. But a property you own can now have its own Tax Country — Australia, New Zealand, or United Kingdom — independent of your account settings.

What that actually changes: which expense fields appear, how they’re labelled, and which tax rules apply. A UK property now shows Ground Rent and Service Charge instead of Strata/Body Corporate. Land Tax and LMI disappear for NZ and UK properties. After-tax cashflow uses the right country’s rules instead of applying Australian negative gearing logic to a property in Manchester.

We also fixed multi-currency bank accounts — each account can now hold its own currency, converted to your portfolio currency using live daily exchange rates.

Calendar and rent confirmation

The old Calendar was a bit of a fiction. It showed you what should happen. Confirming that rent actually arrived was an afterthought.

Now confirming a rent event opens a proper modal: adjust what was received, note the management fee, add one-off deductions, and choose which account it landed in. If a payment falls short, the shortfall carries forward automatically to the next event.

We also combined rent and the agent’s management fee into one Calendar entry — because that’s how it appears on your bank statement, and the Calendar should match what you’re actually reconciling against.

Licences and certifications

A small feature that will matter most to landlords in the UK and NZ where compliance requirements are more demanding.

You can now track gas safety checks, smoke alarm compliance, landlord registration, and any other certificate with a renewal date. Thirty days before it’s due, you get a reminder. They sit on the property’s timeline alongside everything else.

The initial version covers the basics. We’ll expand the certificate types based on what people actually need.

Global search

Cmd+K (or Ctrl+K) anywhere in the app. Jump to a property, account, contact, or transaction without navigating.

This one’s hard to appreciate until the moment you actually need it — usually when you have four properties, two mortgages, and six bank accounts and you’re trying to find one specific transaction.

What else

A few other things worth noting:

Properties table got sortable columns, drag-to-reorder, and inline editing for the fields you change most often.

Stamp duty calculator now estimates duty by Australian state, UK, or New Zealand address — with a “Use” button that applies it directly to the property.

Weekly digest email — a summary of upcoming rent, overdue items, and portfolio value. Off by default, opt in from Settings → Preferences.

Balance Projection got a proper rolling date window instead of financial-year-only navigation — This Year, This Quarter, Last Quarter, Last 12 Months, or a custom range.

Reports defaulted to “all properties” silently, which made them hard to read. Now you choose what you’re looking at explicitly, and Monthly Detail across a portfolio actually shows a month-by-month view.

There’s a lot in here that isn’t glamorous. Bugs where calculations disagreed between tabs. Figures that looked right but were using a second, separately-maintained copy of the formula that had drifted. A mortgage sign convention that was silently walking the balance in the wrong direction.

That’s most of what July was. The Cashflow Map is the thing I’d show someone. The mortgage reconciliation is the thing that actually needed to be right.

August is already underway — the first release added per-year growth and inflation overrides to the Forecast, which means the projection can now reflect what you actually expect rather than one flat rate compounding forever. More on that when there’s more to say.