AlphaIQ brings together your property, shares, and super into one intelligent view — then puts a team of AI agents to work scanning markets, stress-testing your thinking, and keeping your portfolio battle-ready.
MyGov for super, a spreadsheet for rental income, a broker app for shares, and a separate accountant for tax. Nobody brings it together into one intelligent picture.
You hold positions based on vibes and headlines. Confirmation bias quietly erodes your returns, and there's no one asking the hard questions about why you own what you own.
A winning position grows beyond what the original thesis justified. One bad quarter in an over-weighted sector can wipe out years of gains.
Growth signals are scattered across earnings reports, corporate filings, and market chatter. By the time retail investors spot them, institutions have often already priced it in.
Negative gearing, CGT discounts, carry-forward contributions — the maths matters enormously but nobody calculates it until tax time. By then it's too late to optimise.
Expensive newsletter subscriptions and stock-tip services charge premium prices for generic analysis that ignores your actual portfolio, tax position, and retirement timeline. The insight you need is specific to you — not a mass-market report written for no one in particular.
AlphaIQ isn't a dashboard with AI bolted on. It's an agentic intelligence layer — a team of AI agents that proactively scan, challenge, diagnose, and alert. Your entire financial world, unified and working for you 24/7.
One unified view of your entire wealth — equities, property, super, and cash. No more switching between six apps.
AI agents working around the clock, surfacing signals the moment they matter — researched specifically for your holdings.
Forward-looking analysis with full Australian tax and super rules applied. Model the future before it arrives.
Five distinct agentic scanning engines built for different ways of investing. Scan for pre-exponential growth candidates, deep value opportunities, high-yield income stocks, technical breakouts, or beaten-down recovery plays — across ASX, US, and Japanese markets — and get an institutional-quality thesis on every result in minutes.
A brutal AI interview that pressure-tests why you hold each position. It challenges your assumptions, pokes holes in your reasoning, and generates a conviction score. Not a yes-man — a sparring partner.
A live health score starting at 100, deducting points for concentration flags, thesis health issues, and positions flagged for review. Colour-coded, always current, always honest. Surfaces the data you need to have an informed conversation with your adviser.
Not market news. Intelligence generated for your actual holdings, researched in real time. A user with TSLA in their SMSF gets TSLA-specific earnings analysis. Property in Erskine? Suburb-level market data. RBA moves? Framed around your debt exposure.
Not a generic compound interest calculator. Full Australian tax and super rules applied. Compare two scenarios side by side — see the trade-off between paying down the mortgage and making extra super contributions in dollar terms across every year until retirement.
Tax is built into the core data model. Negative gearing from actual agent statements, CGT with 50% discount tracking, carry-forward concessional contributions calculated to the dollar, and super tax efficiency quantified in real numbers.
Every financial document in one secure place. Upload super statements, depreciation schedules, agent statements — the AI extracts data automatically. At tax time, one click assembles everything your accountant needs into a shareable link.
Not a US platform with AUD switched on. Built from scratch for Australian tax law, with a single tested finance engine that every feature draws from.
ITAA 1997 brackets updated to FY2025-26
Automatic eligibility tracking for assets held 12+ months
SG rates, preservation age, pension phase, ABP minimums
Correctly reduces taxable income at your marginal rate
Exact unused concessional cap from prior 5 years
Start free. Upgrade when ready. May be tax deductible as an investment management expense.
| Capability | AlphaIQ | Fin. Adviser | Sharesight | Screeners | Budget Apps |
|---|---|---|---|---|---|
| Australian tax rules | |||||
| Investment property tracking | |||||
| Super + SMSF management | |||||
| Portfolio Health score | |||||
| AI Growth Scanner | |||||
| Personalised daily intelligence | |||||
| Investment thesis + health checks | |||||
| Document vault + tax prep | |||||
| Retirement What-If engine | |||||
| Negative gearing calculator | |||||
| Accessible price point | |||||
| Fully self-service |
The calculators powering AlphaIQ's tax engine, available to everyone. See what the numbers look like for your situation before you commit to anything.
Everything you need to know about AlphaIQ before getting started.
AlphaIQ models super accumulation, property equity, and your investment portfolio together — applying super preservation age rules, SG contribution schedules (12% from July 2025), the CGT 50% discount, and negative gearing. It projects your net worth to retirement and runs a What-If simulator so you can model retiring early, selling an investment property, or increasing salary sacrifice.
Yes. AlphaIQ applies the CGT 50% discount for assets held over 12 months, the concessional 15% rate inside superannuation, PPR exemption, and negative gearing offsets. It calculates realised and unrealised gains across your entire portfolio and models the tax impact of investment decisions before you make them.
AlphaIQ has a free plan with basic portfolio tracking and an intelligence feed. The Pro plan is $59 AUD per month and includes the full What-If retirement simulator, Company Scanner equity research (five scan modes across ASX, US and Japanese markets), AI thesis generation, weekly portfolio health checks, tax analysis tools, and unlimited AI intelligence updates. The standalone calculators on this site are always free with no sign-up required.
No. AlphaIQ is a wealth intelligence and modelling tool. It provides information, projections, and analysis to help you make better-informed decisions — it does not provide personal financial advice. J&A Marsh Investments Pty Ltd holds no AFSL. You should consult a licensed financial adviser for advice tailored to your circumstances.
AlphaIQ tracks ASX shares, global equities, ETFs, investment properties, superannuation (including SMSF), and cash savings. Property values are entered manually or sourced from your own valuations — you can tag each property with the source (bank valuation, government data, or your own estimate). Share prices are updated in real time. All assets are consolidated into a single net worth view with Australian tax rules applied throughout.
AlphaIQ uses Supabase for authentication and database storage, with row-level security ensuring your data is only accessible by you. Data is encrypted in transit and at rest. AlphaIQ never requests brokerage login credentials — portfolio positions are entered manually or imported via file upload. Read-only access only, always.
Yes — all six of AlphaIQ's tax calculators are completely free with no sign-up required. The Debt Recycling Calculator models the long-run wealth difference of converting your mortgage to deductible investment debt. The CGT Calculator calculates your capital gains tax liability including the 50% discount. The Franking Credit Calculator shows your true grossed-up dividend yield and any refund from the ATO. The Superannuation Calculator projects your retirement balance and monthly income. The Negative Gearing Calculator shows your exact tax saving and weekly out-of-pocket cost on any investment property. The Salary Sacrifice Calculator shows your exact tax saving, real take-home reduction, and super fund benefit. Enter your email at the end of any calculator to receive a personalised PDF report.
AlphaIQ is shaped by the people who use it every day. Every feature request is visible to the community, every vote counts, and the most-requested ideas move to the top of our roadmap.
See what is being built, what is planned, and what the community is pushing for. Vote on the features that matter most to your investing life.
View the roadmapWe put a reward behind accuracy. Find a logic error or a calculation that does not look right — report it and earn up to six months of Pro access. Because the numbers have to be right.
Learn moreRewards are available to all Australian users across all subscription tiers. No limits on submissions.
Start free. Your dashboard is populated on day one through our AI onboarding — no 20-field forms, just clear questions and real numbers.