Enter what lands in your account each week. See the tax to park, where every dollar goes, what's left to save — and how fast your debts clear.
Left over each week
Tap a tile to open that part of the cockpit.
Your money position projected forward — assets and savings building up, debts paying down — if your current numbers simply keep going.
The two things that come off the top before anything else — tax, then super.
For each job pick weekly, fortnightly or monthly, and whether it’s gross (you set aside tax) or net (tax already taken).
Everything you own, minus everything you owe — the one number that shows if you’re going forwards.
One line per account — give each a job (holiday, fun, emergencies) and key in the balance. It mirrors your real accounts; update it whenever you like.
Everything that comes out of your pay — the bills you spend on AND the investing and savings you put away. Enter each at whatever cadence it actually comes out.
Your regular investment contributions — add one line per platform or account.
Emergency fund, holiday, anything else — one line per pot, named however you like.
Emergency fund, holiday, car rego, gifts… set a target and a date, and it works out what to put aside each week.
A common rule of thumb: about half your take-home pay on needs, a third on wants, a fifth to savings and debt. This uses the category you picked for each bill.
Each debt's payoff time and total interest are worked out from the balance, rate and what you pay.
| Debt | Balance | Rate % p.a. | Payment | Paid off in | Interest cost | |
|---|---|---|---|---|---|---|
| Totals | $0 | — | $0 | — | $0 |
How your total debt splits across mortgage, investment loans and everything else. Set each debt’s type in the table above.
These figures assume you keep paying the same dollar amount every time. If you only ever pay a card’s “minimum payment”, that shrinks as the balance falls and payoff takes far longer — pick an amount and stick to it. General information only, not personal advice.
Keep paying every card its usual amount. The moment one clears, its payment rolls into the next — so each debt falls faster than the one before. Set a start date to see the exact payoff date for each.
Before throwing every spare dollar here, keep a small cash buffer (even $1,000–$2,000) — one car repair without a buffer usually means new card debt.
Snowball = smallest balance first (quick wins). Avalanche = highest interest rate first (least interest paid). Custom = the order in the table above — use the arrows on each row to reorder.
See what different extra-payment amounts would do to your debt-free date, side by side.
Log what actually happened — the money that landed and what you spent (everything that left your account, apart from tax you set aside). Every entry saves automatically, building up your whole year (1 Jul 2026 – 30 Jun 2027). Weeks run from 1 July, so they may not line up exactly with your payday — near enough is fine. Tap a month to open it.
The money questions every Australian household hits: what is my offset really doing, should I pay down my HECS before June, is skipping health cover costing me more than it saves, and does a novated lease actually stack up?
Your lender works out interest on your loan balance every day — minus whatever is sitting in your offset account. Your repayment doesn’t change, so every dollar of interest you don’t pay goes to the principal instead. That’s why an offset quietly shortens the whole loan.
HECS doesn’t charge interest — instead the whole balance is indexed once a year on 1 June, at the lower of CPI or WPI. A voluntary repayment that reaches the ATO before 1 June shrinks the balance first, so that part is never indexed. (Compulsory repayments withheld from your pay don’t help here — they aren’t credited until your tax return is processed, after 1 June.)
Estimate only — the real rate is announced each year (lower of CPI or WPI).
Earn above the threshold with no private hospital cover and the ATO adds an extra levy — on your whole income, not just the part over the line. Cross the threshold by one dollar and the full surcharge applies. This check uses the income you’ve already entered above.
Blank = your income from above. Family: enter your combined income.
A novated lease pays for the car and its running costs out of your salary — partly before tax. Whether that beats buying outright depends almost entirely on the lease company’s interest rate and fees, so this estimator makes you enter them. Both paths end with you owning the car, so it compares total money out.
Ask the provider for the effective rate — it’s often 8–12% and it decides everything.
Fuel or charging, rego, insurance, servicing, tyres.
Battery EVs under the luxury-car-tax fuel-efficient threshold — exemption runs to 31 Mar 2027, then phases down. Plug-in hybrids lost it 1 Apr 2025.
Track what you spend for work across the year, with a photo of each receipt. It uses the income you entered to estimate what those deductions are actually worth to you.