Independent Australian money tools

Make the next dollardo more.

Model the trade-offs behind debt, super, investing and time. Plain assumptions, your numbers and no sales pitch.

Scenario modelling only · General information · Always free to explore

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The toolkit

Each tool shows the assumptions behind the result. Change them, compare the outcome and decide what fits your life.

Estimate when paid work could become optional, using your spending, assets and assumptions.

See how offsets, extra repayments and rate changes reshape the life of a home loan.

Put the deposit, FHSS, the 5% guarantee, LMI and state stamp duty in one model.

Model the gradual shift from home-loan debt to deductible investment debt.

Compare a novated lease with cash and finance, including the EV FBT exemption.

Keep assets, debts, liquidity and net worth together in a live balance sheet.

Compare where a monthly surplus could work hardest: mortgage, ETFs or super.

Test what fewer workdays could mean for income, time and the path to independence.

Put different life and money decisions side by side before choosing a path.

Worked example

See how a non-deductible home loan can gradually become deductible investment debt, where the tax effect comes from, and the risks that still remain.