Plan. Test. Build Wealth.

Step 1 of 7 About You

14% Complete

About You

Start with the household names, ages and basic context for the plan.

Downsizing Strategy

Optional: model releasing home equity and investing the surplus toward financial freedom.

Assumptions Review

Review these editable assumptions before reports or results generate.

Previous Saved on this device as you type. Next

Financial Freedom

Start a plan or load a sample plan.

Your progress dashboard will update as you enter data.

Lifestyle funded 0%

Your current financial stage Building the Foundation

Enter your plan to see your current financial freedom stage.

Your investments currently fund 0% of your annual lifestyle.

Progress toward Building Wealth Set your target spending

Add your annual lifestyle target to calculate the next stage.

Downsizing Investment Boost $0

By downsizing your home, you could release money to invest toward financial freedom.

Net worth over time

Investment growth

Non-super

Debt reduction

Home loan and debts

Super growth

Age 60 access

Financial Freedom Progress

Modelled progress

Assumptions

These are starting assumptions only. You can change them at any time.

Cashflow

Start with gross income before tax, then estimate tax, HELP, living costs, loan repayments, investing and final surplus.

Assets & Liabilities

Enter what the household owns and owes.

Assets

Other liabilities

Loans & Offset

Model monthly loan amortisation and offset interest benefits.

Investments

Project non-super investments and passive income.

Super

Track employer super, extra contributions and balances available from age 60.

Goals

Set personal details, progress ages and target lifestyle spending.

Downsizing Strategy

Optional: release equity from the principal residence and model it as investable money.

Forecast

See the long-term projections produced by the current plan.

Decision Engine

Compare where the next dollar may have the strongest modelled impact.

What If?

One-click scenario simulations. These do not overwrite your saved plan.

Quick Scenario Test

Temporary estimates only. These changes do not overwrite your saved plan unless you save or duplicate the plan.

Income change per year Use a positive or negative number. Expense change per year Loan repayment change per month Loan interest rate change (%) Investment contribution change per year Investment return change (%) Employer super contribution change Additional concessional super Estimate only. It applies the modelled tax saving and 15% contributions tax. HELP balance change Major one-off costs Major one-off savings

Direct Available Surplus

Temporarily test whether spare cashflow is directed to investments or debt repayment.

Direct surplus toward Do not allocate surplus Investments Debt repayment Surplus amount Surplus frequency Weekly Fortnightly Monthly Quarterly Annually Use full available surplus Uses the current final projected annual surplus if it is positive.

Saved Scenarios

Save plans here, then choose exactly which saved scenario to load later.

Scenario name Notes Save Plan to Saved Scenarios

Saved Scenarios

0 saved

Weekly Plan

Turn the financial strategy into simple weekly actions, record what happened and update the weeks ahead.

Downloads

Download or save

Download Excel, print the Weekly Plan or save a backup.

Open

Export and Print

Step 3 — Download or save

Download the editable planner, print a concise Weekly Plan or save a backup for later.

Planner start date This is the beginning of Week 1. It defaults to the next Monday. Starting everyday bank balance Opening balance of the main account used to receive income and pay normal expenses. Planner period 12 weeks 26 weeks 52 weeks

Generate Weekly Plan Download Excel Print Weekly Plan

More options

Save a backup of your editable weekly plan so it can be restored later or moved to another device.

Regenerate files Export backup Import backup

Reports

Print or export the planning report for discussion. This is not financial advice.

Financial Reports

Financial Freedom Report

Generated from the current plan and saved scenarios.

Print / Export

Assumptions Review

Edit these before printing or exporting reports.

Test build 2026-07-17-02