Why Clarow
A tracker shows you the past. Clarow helps you decide what's next.
The only Australian tool where your real portfolio, the 2027 tax rules and your actual money decisions live in one model.
Most trackers stop at your share portfolio.
Clarow tracks your whole net worth — shares, super, property, cash and debts — in one place.
Most tools report what already happened.
Clarow models what to do next: sell or borrow for a purchase, rent or buy, your FIRE date, super before 30 June.
Spreadsheets and global apps ignore Australian tax.
Clarow is built around it — franking credits, CGT parcels, and the 2027 CGT changes in every projection.
Track
The portfolio tracker that knows Australian tax
Generic trackers stop at price charts. Australian tax is where portfolios get complicated — so that's where Clarow starts.
01
Franking credits, finally tracked
Record dividends with their franking percentage and watch your credits roll up by financial year — cash and DRP both supported.
02
CGT parcels & the 2027 deadline
Every buy is a parcel. See holding periods, 50% discount eligibility, and which parcels keep the old rules after 1 July 2027.
03
A reports library at tax time
Run capital-gains, taxable-income, trade and ETF-exposure reports against your portfolio — each exported as a CSV. The tax reporting other tools charge for, free.
Inside Clarow
See what you get
The three surfaces you'll live in: a tax-aware portfolio tracker, a monthly net-worth check-up, and side-by-side decision modelling.
Government money most Australians leave on the table
$30,000
Max state grant for new home buyers
Queensland — $10k–$20k in other states
5%
Minimum deposit via First Home Guarantee
No LMI — saves up to $30k on a $700k home
$50,000
Max withdrawal from super for a deposit
Via First Home Super Saver Scheme
Plan
Know exactly where you stand
Take-home, grants, property, super, HECS and a 20-year projection — no spreadsheets, no guesswork.
Your real take-home
After income tax, Medicare levy, and HECS repayments — not what your contract says. Most people are surprised by how much less (or more) they actually have.
Grants you qualify for
FHBG (5% deposit, no LMI), FHSS ($50k from super for a deposit), state grants up to $30k — most Australians qualify for schemes they've never heard of.
20-year projections
See your monthly surplus grow across a savings account, HISA, and ETF — side by side — so the right choice is obvious. Based on your actual numbers.
Free calculators
Run the numbers on any decision
Nineteen Australian calculators — tax, property, super, investing and life events — each in under 60 seconds.
Take-Home Pay
Weekly, fortnightly and monthly pay after income tax, Medicare levy, HECS, and MLS.
Try calculator →Tax Return
Estimate your refund or bill before you lodge — WFH, franking credits, HECS, MLS.
Try calculator →Side Hustle
Tax on freelance or gig income, the GST threshold, and what to set aside.
Try calculator →Redundancy
Take-home after a redundancy package — tax-free amount, ETP tax, notice pay.
Try calculator →Franking Credit
How dividend imputation works for your bracket — including ATO cash refunds.
Try calculator →First Home Buyer
Which grants you qualify for and how much you can borrow.
Try calculator →Mortgage Repayment
Monthly repayments, total interest, LMI estimate, fortnightly savings.
Try calculator →Stamp Duty
All states, with first home buyer exemptions for 2025–26.
Try calculator →Rent vs Buy
Buying vs renting and investing the deposit — with the 2027 CGT impact.
Try calculator →Negative Gearing
After-tax cost of an investment property and the 2027 rule change.
Try calculator →Investment Property
Yield, weekly cashflow, tax benefit, and 10-year total return.
Try calculator →Salary Sacrifice
Tax saved by contributing more to super, compounded over decades.
Try calculator →Super Retirement
Your balance at retirement and the annual drawdown income it supports.
Try calculator →FIRE Number
Your financial independence number on the 4% rule, and years to reach it.
Try calculator →CGT 2027 Deadline
The old 50% discount vs the new indexation rules from 1 July 2027.
Try calculator →Savings Goal
Set a target and see how long it takes with compound growth.
Try calculator →Learn
Plain-language guides
No jargon, no sales pitch — just how Australian money actually works.
Best all-in-one ETFs Australia 2025: DHHF vs VDHF
One fund, total market, automatic rebalancing. DHHF vs VDHF compared.
HECS/HELP explained: repayments, indexation, and when to pay it off
When repayments kick in, how indexation grows your debt, and the payoff decision.
The CGT deadline you can't miss: what to do before 30 June 2027
The 50% CGT discount ends 1 July 2027. A worked example and what to review now.
Starter portfolio: build your first Australian ETF portfolio
Pre-investing checklist, three portfolio options, and a 4-step getting-started guide.
What's included
Everything in Clarow, free right now
No account needed to start, no credit card, no trial clock. This is the full list.
Portfolio tracker
- ✓Transaction ledger — buys, sells, dividends, DRP, splits
- ✓Broker imports: CSV, XLSX and PDF (SelfWealth, CommSec, Stake, Superhero)
- ✓Cost base & CGT parcels, computed from your real history
- ✓Franking credits tracked on every dividend
- ✓Dividends auto-detected from market data — one click to confirm
- ✓Reports library — capital gains, taxable income and all trades, each exportable as CSV
- ✓Multiple portfolios, crypto and unlisted assets
- ✓ETF look-through — the sectors and countries your funds actually hold
- ✓Popular portfolio structures to learn from
- ✓Daily end-of-day prices
Net worth & check-up
- ✓Full net-worth picture — cash, super, property, debts
- ✓Monthly check-up cadence with freshness tracking
- ✓Net-worth history chart that grows with every check-in
- ✓Next-actions checklist driven by your own numbers
- ✓Weekly email digest — net worth, holdings and the week's change, every Monday
Plan & decisions
- ✓FIRE date projection with what-if levers
- ✓Fund a purchase: sell investments vs borrow vs cash, with CGT
- ✓Saved what-if scenarios
- ✓Rent vs buy, property schemes, super, tax and HECS views
- ✓2027 CGT changes modelled throughout
Learn
- ✓19 Australian tax & finance calculators
- ✓24 plain-English guides
Clarow Pro adds an AMIT cost-base manager, an unrealised-CGT planner and live intraday prices.
See pricing →Figures across the product are estimates only — general information, not financial advice.
May 2026 Federal Budget
Three changes that affect almost everyone
All reflected in your Clarow numbers automatically — nothing to update, nothing to claim.
1 July 2026
Income tax cut
The second bracket drops from 16% to 15% — worth up to $268/yr. Falls again to 14% in 2027–28. Clarow uses the correct rates automatically.
2027–28
Work & Training Tax Offset
New $250/yr offset for Australians earning $10k–$125k. Applied automatically at tax time — nothing to claim separately.
1 July 2027
CGT discount deadline
The 50% CGT discount disappears for assets bought after this date. If you're planning to invest, the clock is running. Clarow shows you the impact.
How it works
From sign-up to a working tracker in minutes
Answer 4 questions
Income, savings, goal, location. Takes under 2 minutes. No account needed.
Import your portfolio
Upload a broker file or add holdings manually — your ledger, cost base and franking credits build themselves.
Track and plan
Live portfolio, tax summaries, grants, property, super and your 20-year projection — in one place.
Get updates first — tax changes, grants and new features. No spam.
Ready to see your real numbers?
No account required. No credit card. The core is free.
Start tracking free→