Repayments, true cost of ownership, rate sensitivity, offset impact and payoff date — across the full life of your loan.
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Coming soon
Property Buyer OS
Buy smarter, not just cheaper.
Market decoding, due diligence, negotiation framework and settlement guide — one structured flow for Australian buyers.
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Coming soon
Wealth Tracker
Know your number. Watch it move.
Net worth over time, dollars saved per hour worked, assets vs liabilities and compound momentum.
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Coming soon
Household OS
Know where every dollar goes.
Bills, groceries, subscriptions and spending in one view — with a live metric on dollars saved per hour of work.
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Coming soon
Super Optimiser
Every dollar of super working correctly.
Concessional vs non-concessional, carry-forward rules, Division 293 and retirement bridge calculations.
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Coming soon
FIRE Calculator
Your number. Your timeline.
Coast, lean and fat FIRE — project your independence number, timeline, safe withdrawal rate and the gap.
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Coming soon
Debt Recycler
Turn your mortgage into an investment engine.
Step-by-step debt recycling with loan split structure, deductible interest tracking, and leverage risk assessment.
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Coming soon
Novated Lease
Is a novated lease actually worth it?
Model the true after-tax cost of a novated lease vs buying outright or financing. FBT, running costs, residual value and salary sacrifice — in one honest comparison.
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Open assumptions
Every number is visible. Every assumption is yours to change. The model is transparent, not a black box.
Scenario, not advice
These tools show tradeoffs and illustrative outcomes. What you do with them is your decision, not ours.
No lock-in
No account required to use any tool. Nothing persists unless you choose it. Your data stays yours.