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General information only.Not financial, tax, investment, or legal advice.
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AU Personal Finance

Find your hidden money leaks

See your finances modelled end-to-end in one holistic operating system, and compare scenarios to make informed decisions for your life goals.

Try with your own numbers

No account required. General information only - Not financial advice

INCOME · YOUR CASHFLOW

Watch tax and repayments come out of your pay.

Your salary enters the model, and the Australian withholdings peel off one by one - down to what actually lands in your account.

Gross salary
$100,000
Income tax
-$20,520
Medicare levy
-$2,000
HELP repayment
-$4,571
Take-home pay
$72,910

Plus $12,000 employer super paid on top, into your super. Modelled on a $112,000 package at FY2026-27 ATO rates.

LIVING COSTS · YOUR CASHFLOW

Take out what you have to spend.

Enter your essential living costs, and the model shows what is left after the necessities.

Take-home pay
$72,910
Essential living costs$14,844$1,237 a month
Money left after essentials$58,066$4,839 a month
BUDGET & GOALS · YOUR CASHFLOW

Decide where the rest goes.

Model the money left after essentials across a savings buffer and your goals. You choose the split - an even one is shown.

Money left to allocate$58,066
Savings buffer$29,033
Goals and investing$29,033
NET WORTH · YOUR HOLDINGS

See everything you own and owe in one place.

Your net worth is your assets minus your liabilities, tracked across six kinds of holding.

Cash & LiquidTransaction, savings, offset, credit cards, BNPL, short-term debt
InvestmentsShares, ETFs, managed funds, crypto, vested RSUs
PropertyEach property: value, loan, offset, and equity
Student debtHECS/HELP, ATO debt
SuperannuationSuper balances and pre-tax contributions
OtherBusiness equity, IP, royalties, vehicles, novated leases, trusts

Net worth = total assets - total liabilities, from the numbers you enter.

REVIEWS · HOME

Model items to review, before the dates that matter.

FinanceOS surfaces the checks worth a look this week - each with its timing and modelled impact.

Review HELP balance before indexationIndexation applies to the outstanding balance on 1 June~$928 indexation
Review pre-tax super cap room before 30 JuneConcessional cap headroom for this financial yearBefore 30 Jun
Review investment losses before EOFYRealised and unrealised positions for the yearBefore 30 Jun
OPTIMISE · HOME

Pull a lever, see the modelled effect.

Model how a pre-tax choice changes your estimated tax this financial year. Every figure is an estimate, not advice.

Extra pre-tax super
+$850Contributing $5,000 to super is taxed at 15% instead of your 32% tax rate, reducing estimated tax by $850
Deductions what-if
+$1,600Claiming $5,000 in deductible expenses at a 32% tax rate reduces estimated tax by $1,600
Voluntary HELP repayment
+$140Your $20,000 HELP balance will be indexed at ~2.8% on Jun 1, adding $560 to your debt. Contributing $5,000 to your HELP balance reduces estimated indexation by $140.
ASSISTANT · ASK ANYTHING

Ask anything, get a plain-English answer.

Ask a plain question and the assistant answers from your own modelled figures - like when your HELP loan is indexed and roughly how much it adds. General information, not advice.

AssistantModelled from your numbers
When will my HECS increase and by how much?

Your HELP balance is indexed once a year, on 1 June. In this model that is about $928 added to your $33,129 at a 2.8%rate - separate from the repayments already coming out of your pay. The ATO sets each year's rate (the lower of CPI and WPI) around April.