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Property and Rental Tracking

What Can I Track?

The Property section covers:

  • Your home — purchase price, current value, outstanding mortgage, and equity.
  • Rental properties — rental income, expenses, and yield.
  • Rental ladder — projected equity growth over time.

Adding a Property

  1. Go to Property in the menu.
  2. Click Add Property.
  3. Enter the address, purchase price, current estimated value, and mortgage balance.
  4. Click Save.

Cisti Finance calculates your equity as the current value minus the mortgage balance.

Recording a Rental Agreement

If you rent out a property, you can add a rental agreement with the monthly rent amount and tenant start date. Cisti Finance tracks:

  • Total rent received to date.
  • Gross rental yield — annual rent as a percentage of property value.

Local Property Tax (LPT)

LPT rules and rates are set by Revenue based on your property's valuation band. You can record your LPT amount in the property settings. See Revenue.ie/LPT for the current valuation bands.

Rental Income Tax

Rental income is subject to income tax, USC, and PRSI. Allowable deductions include mortgage interest (subject to rules), repairs, insurance, and management fees. This is a complex area — consult a tax advisor or see Revenue.ie.

Equity Tracker

The equity tracker shows how your property equity grows over time as you pay down your mortgage and as property values change. Update your estimated value periodically to keep it accurate.