PropertyIQ vs PointMate

PropertyIQ — Rental Property Analyzer The fastest way to underwrite a rental property before you make an offer. Enter any address and purchase price to instantly see projected returns, monthly cashflow, and whether the deal pencils — in seconds. WHAT YOU GET - 30-year return projections with year-by-year breakdown - Monthly cashflow, cash-on-cash return, and IRR - Cap Rate, DSCR, and Gross Rent Multiplier - Side-by-side comparison against S&P 500 and Treasury bonds - Live market dashboard: mortgage rates, Treasury spread, yield gap, and housing inventory PREMIUM FEATURES - IRR Target Calculator — enter your target return and instantly see the maximum price you can pay - Save scenarios — save multiple versions of the same deal side by side (aggressive vs. conservative - Multi-deal comparison with PDF export — rank your pipeline by IRR, cashflow, and cash-on-cash; export a branded comparison report to share with partners - Unlimited saved deals, analyses, and PDF exports - PropertyIQ Value Estimate — see instantly whether you're buying at a discount or overpaying, with a visual range and needle indicator - PropertyIQ Rent Estimate — real market data showing what the property will actually rent for - Sales comps and rental comps with distance and match score - Property details: beds, baths, sqft, type, and year built pulled automatically pricing, different financing structures) FREE FEATURES - Full investment calculator with adjustable sliders - Cashflow, cash-on-cash, and IRR calculations - Expert metrics: Cap Rate, DSCR, GRM with plain-English explanations - Renovation budget calculator with value multiplier - Scenario analysis: conservative, moderate, and high appreciation - Live market dashboard with FRED data - Save up to 10 deals MARKET DASHBOARD PropertyIQ pulls live data from the Federal Reserve (FRED) so you always know where the market stands — 30-year mortgage rates, the mortgage-treasury spread, real estate yield gap vs. bonds, and national housing inventory. Tap any tile for historical charts and benchmarks going back years. MARKET NEWS A curated feed of real estate and macro news — filtered by Rates, Market, Investing, Economy, or Podcasts — so you can connect market conditions to the deals you're analyzing. EXPERT MODE Cap Rate tells you the unlevered yield. DSCR tells you if the property covers its debt. GRM gives you a quick relative value check. The IRR breakdown shows you exactly how your return is generated year by year — cashflow, appreciation, and amortization — side by side against what the same dollars would earn in the S&P 500 or a Treasury bond. Know the numbers before you knock. --- Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

The all-in-one app for Australian loyalty points. PointMate is an independent calculator and comparison tool covering 17 Australian loyalty programs and 66+ personal rewards credit cards — including Qantas Frequent Flyer, Velocity Frequent Flyer, KrisFlyer, Amex Membership Rewards, Flybuys, Everyday Rewards, Myer One, David Jones, and rewards programs from every major Australian bank. No affiliate commissions. No issuer partnerships. Just the numbers. PAY Compare your rewards cards on any purchase. PointMate factors in earn rates, surcharges, and the estimated dollar value of points earned to rank cards by estimated net benefit. Add your cards, set merchant surcharge rates, enter an amount, and see ranked results. FLIGHT A Qantas economy flight to Bali might calculate at 1.6 cents per point. The same points on a flight to Japan? Maybe 3.5 cents. Flight calculates the cents-per-point on any Qantas, Velocity or KrisFlyer booking and shows how it compares to PointMate's benchmark range. CARDS With dozens of rewards cards on the market, it's hard to know which ones deliver the highest calculated return. Cards lets you browse, compare, and filter major personal Australian rewards credit cards — from points value based on your typical redemption, to bonus reachability on your monthly spend, to cancel-by dates. VALUE 10,000 Qantas points redeemed as a gift card: about $45. Redeemed on an international economy class flight: up to $440. Value shows the estimated range for any balance across programs, broken down by how you'd actually use them. PORTFOLIO See your total estimated points value across your programs in one place. GOALS Enter your monthly card spend and earn rate to see how many months until you earn enough points for any route and cabin class on both Qantas and Velocity. SAVINGS Log results from Pay and Flight calculations, plus transfer bonus gains. Track your total logged savings over time with milestone progress. BONUSES Check active transfer bonuses between programs, including percentage uplift and days remaining. ALERTS Stay across program changes, devaluations, and upcoming events. Check points expiry rules per program. FREE VS PREMIUM Free: Access all features with capacity limits — Pay (2 cards), Flight (general benchmark range), Value (average rate), Cards (browse and filter), Portfolio (3 programs), Savings (5 logs per month). All data saved between sessions. Ads displayed. Premium ($4.99/month or $39.99/year): Unlimited cards, full redemption breakdowns, side-by-side comparison of up to 3 cards, custom card entry, PM Wallet (renewal and cancel-by date tracking), unlimited Portfolio and Savings, no ads. Eligible new subscribers can start with a 1-month free trial — full Premium access, no ads. INDEPENDENT AND TRANSPARENT PointMate is built and maintained in Melbourne, Australia. It does not receive commissions, referral fees, or any payment from credit card issuers, banks, or loyalty programs. Outputs are estimates based on publicly available information and current assumptions. PointMate is a calculator and comparison tool for general information only. It does not provide financial advice, credit advice, or product recommendations. Estimated values may differ from actual outcomes. Check current issuer and program terms before acting. Your points deserve a better mate.