Free to start · No credit card required

Your financial future,
finally clear

Register free and enter your details — income, super, expenses, assets, goals — at no cost. Subscribe when you're ready to view your results, run scenarios, or ask the AI assistant questions about your projection. No pressure. Your data is always saved.

Start Free → See How It Works
Young professional planning their financial future
Illustrative Example
94.7%
sample projection · not a guarantee
Projected Wealth at 67
$1.2M
illustrative example only
What You Get

The knowledge to take control
of your financial future

You don't need to be a finance expert. Enter your details, see where you're headed, and learn what questions to ask when you're ready to speak to a professional.

📊

Lifetime Cash Flow Projection

See your income, expenses, super, investments, and pension mapped out year by year — from now until retirement and beyond. No spreadsheets required.

🤖

AI-Powered Q&A

The AI assistant reads the projection and answers questions about what it's showing. "Why does wealth dip at age 62?" "How is the tax being calculated here?" "What changes if I adjust the retirement age to 63?" Get clear, contextual explanations of how the model works — not generic answers you could find on Google. Every plan includes free AI chat queries, with additional conversations available from $5 for 50 chats.

🎲

Stress-Tested Projections

The tool runs the projection through 1,000 different market scenarios — good years, bad years, everything in between — using Monte Carlo simulation. You don't need to understand the maths — the result is a simple probability score showing how the projection holds up under a wide range of conditions.

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Scenario Explorer

Adjust any input — contribution amounts, retirement age, mortgage repayments — and instantly see how the projection changes. Compare different scenarios side by side to explore how each assumption affects the model.

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Smart Observations

The Summary tab highlights where the projection crosses key regulatory thresholds — such as Age Pension age, concessional contribution caps, or the Transfer Balance Cap — helping you understand which rules are relevant to the model's calculations.

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Adviser-Ready Reports

When you're ready to see a licensed financial planner, download a professional PDF of the projection to share. Walk in feeling informed rather than overwhelmed.

How It Works

From "I have no idea" to
"I feel prepared to have the conversation"

No financial knowledge needed. No appointments. No pressure. Just clarity about your own money — at your own pace.

Young people working together on laptops
1

Register Free — No Card Needed

Create a free account and start entering your details — income, super, expenses, assets, debts, and goals. All ten data entry tabs are fully accessible at no cost, with 1 saved projection plan. Scenarios and results unlock with a subscription.

2

Enter Your Financial Picture

No sensitive personal information needed — just financial basics like income, super balance, expenses, and date of birth for Age Pension calculations. Add as much or as little as you like. Your data is saved automatically.

3

Subscribe to View Your Results

When you're ready, subscribe to unlock your lifetime cash flow projection, charts, scenarios, summary, and the AI Q&A tool — instantly, no reload required. An annual subscription also unlocks PDF export. AI Q&A credits are then purchased separately as you use them.

4

Learn, Explore, and Talk to a Professional Prepared

Ask the AI assistant plain-English questions about your projection, run scenarios, and when you're ready for personalised advice, download a PDF to share with a licensed financial planner.

What's Inside

49 plain-English guides across
every corner of your finances

Super, tax, pensions, couples, SMSF, scenarios, estate planning — every feature comes with a jargon-free guide that explains what it does and how the model uses it. No financial knowledge required.

Why Start Now

The best time to understand
your money was yesterday

Most Australians don't engage with their finances until it's nearly too late. A ten-minute projection today could change how you think about the next thirty years.

✓

Compound Growth Rewards the Early

Small changes made early may have a significant impact by retirement — a licensed financial planner can help you assess your options. Seeing it modelled in a projection makes the concept tangible.

✓

Knowledge Removes the Fear

Most people avoid financial planning because it feels overwhelming. When you can see how super, tax, and pensions work together in a clear projection, the concepts become far less intimidating.

✓

Better Conversations with Advisers

Financial planners can help you most when you already understand the key concepts. You'll ask sharper questions and feel more informed during the conversation.

✓

Free to Start — Subscribe When You're Ready

Register and enter all your details at no cost, for as long as you like. When you're ready to view your results, a subscription starts from a few dollars a month — less than a coffee. There's no pressure and no deadline.

⏰

Start at 25, Not 45

Beginning just ten years earlier can model hundreds of thousands more in retirement — even with the same contributions

🧠

Knowledge Is Power

Understanding your super, tax, and pension eligibility puts you in control — not in the dark

🤝

Prepared, Not Pressured

Walk into a financial planner's office with a clearer understanding of the concepts, the terminology, and the questions worth exploring

Your Personal AI Guide

Ask anything about
how it all works

The AI assistant reads the projection and answers questions about financial concepts in plain English. It won't tell you what to do — that's what licensed planners are for. But it will help you learn how super, tax, and pensions work so you can have better conversations when the time comes.

Reads your full projection for context-aware answers
Explains what the model is doing and why — in plain English
Answers "what happens if I change this input?" questions
Translates financial jargon without telling you what to do
Subscription required — then pay-as-you-go credits for usage
Person using laptop to learn about finances
See the Whole Picture

Professional-grade modelling,
built for every Australian

Depth of modelling typically found in professional financial planning tools — built for everyday Australians. Super, tax, Age Pension, property, debt, and investment modelling together in a single lifetime projection.

📊 Cashflow & Projection
  • Year-by-year wealth and cash flow projections
  • Monte Carlo simulation — 500–2,000 iterations with equity, bond, cash & inflation volatility
  • Tax-aware calculations across all income types
  • CPI-linked expenses per line item
  • Scenario comparison with Monte Carlo probability of success
🏦 Retirement & Super
  • Full accumulation — SG, salary sacrifice, NCC, bring-forward, carry-forward
  • Pension phase & ABP — TBC, grandfathered deeming, reversionary pensions
  • TTR — 4–10% drawdown, salary sacrifice offset, earnings taxed at 15%
  • Contribution caps & excess CC — Div 293, marginal tax + 15% offset
  • Work test (67–74) with TSB < $300K exemption logic
  • Recontribution strategy — full TBC commutation/recommencement cycle
  • SMSF — blended CGT, LRBA, member allocation, cost modelling, one-off CGT events
🧾 Tax Modelling
  • All financial years 2024–25 to 2026–27+, rate-table driven
  • Medicare levy — full three-zone: exempt / shade-in / flat 2%
  • Medicare Levy Surcharge — three tiers, PHI gating, couple thresholds
  • SAPTO & LITO — rate-table driven and editable
  • Division 293
  • HECS/HELP — marginal band repayment + AWOTE indexation
  • CGT — 50% discount, super ⅓ discount, SMSF blended rate
  • Death benefit tax — tax-free to spouse, 17% non-dependant, estate concession
🏠 Investment & Assets
  • Per-asset growth rate, income yield, drawdown schedule
  • Investment property with negative gearing
  • Stamp duty & land tax — all 8 states & territories, foreign buyer & absentee/vacancy surcharges
  • Annuities — Centrelink assessment, deductible amount, reversionary
  • Family home — Centrelink asset test exemption, downsizer
🏧 Age Pension
  • Full income & assets test — deeming, taper rates, homeowner/non-homeowner
  • Work Bonus — $7,800/yr employment income exemption
  • Grandfathered ABP deeming treatment
  • CSHC modelling
  • Gifting rules — $10K annual, $30K over 5 years
📋 Strategy & Scenarios
  • Multi-scenario with save/load and side-by-side comparison
  • Strategy toggles — salary sacrifice, NCC, recontribution, TTR, splitting
  • Contribution splitting with SIS Reg 6.44 timing (N+1 deferral)
  • Centrelink modelling — Age Pension, CSHC and deeming rules applied year by year
🎯 Goals & Life Events
  • One-off expenses at specific ages — cars, renovations, education, travel, aged care
  • Amounts entered in today's dollars, automatically inflated to the target age
  • Capital Goals engine — model a goal as an asset acquisition (e.g. buying a car or investment) rather than a pure expense, preserving net wealth
  • Configurable growth rate and income yield on capital goals
  • Goal savings tracking — monthly contributions, return assumption, CPI-linking
💳 Debt & Lending
  • Principal & Interest and Interest Only loans with offset accounts
  • Multiple liabilities with individual rates
  • Notional deficit loan — models cash shortfall with configurable rate
🛡️ Insurance
  • Needs-based benchmark — life cover vs debts + 10× expenses
  • IP, TPD & trauma flags surfaced as insights
  • Per-policy premium tracked over time
🤖 Platform & Tools
  • Built-in AI assistant — plain-English explanations, projection Q&A, PDF summaries
  • Adviser-ready PDF compliance report
  • Full white-label per organisation — branding, logo, custom rates
  • Fast — single-page React app, sub-second projection updates
  • Cloud SaaS hosted on AWS Sydney
Trust & Safety

Educational tool, not financial advice

We're here to help you learn — not to replace a licensed financial planner. Every part of this platform is designed with Australian regulations in mind.

🛡️

Regulatory Compliant

All AI responses are screened in real time against Australian regulatory guidelines. Educational language only — no personal recommendations, ever.

🔒

Your Data Stays Private

Your financial data is encrypted in transit and at rest, stored in Australia, and only processed to provide the service. We don't sell data, run ads, or use your information for marketing. See our Privacy Policy for full details.

🤝

Prepare, Not Replace

When you're ready for personalised advice, download a professional PDF of the projection to share with a licensed financial planner — so the conversation can start from a more informed place.

Pricing

Free to start. Subscribe when you're ready.

Enter all your data for free — no time limit, no credit card, 1 saved projection. Subscribe to unlock your results, scenario saving, and PDF export the moment you're ready to see where you stand.

🆓
Always Free — No Card Required
Register and use all 10 data entry tabs — income, super, expenses, assets, liabilities, insurance, goals, SMSF, and settings — with 1 saved projection, completely free, forever. Subscribe when you're ready to view results, run scenarios, or export a PDF.
✓ All 10 data entry tabs — free
✓ 1 projection plan — free
🔒 Results tabs — subscription
🔒 Scenario saving — subscription
🔒 Additional plans — subscription
🔒 AI Q&A — subscription + credits
Subscribe to unlock your results — Cash Flow, Charts, Scenarios, Summary, PDF export, AI Q&A & additional projection plans
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All prices in AUD and include GST. Subscriptions renew annually. AI Q&A credits are separate and never expire.

Start For Free

Enter your details free.
Subscribe when you're ready to see the results.

No credit card. No time limit. All 10 data entry tabs — income, super, expenses, assets, goals and more — are yours free. Subscribe the moment you want to view your projections.

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Free forever for data entry · Subscribe to unlock results, scenarios & AI Q&A · AI credits purchased separately