Explore how investing, debt reduction, income, superannuation and spending assumptions may affect future financial flexibility.
A short walkthrough of how debt recycling converts a non-deductible home loan into tax-deductible investment debt. Then read the full guide or model it yourself.
Explore how different assumptions may affect future outcomes before making major financial decisions.
Explore how changes to savings, investment returns, spending, and income assumptions affect your projected financial flexibility.
Project the earliest age your investments could make paid work optional.
See how extra repayments, rate rises and offset accounts reshape your loan.
Deposit, the FHSS boost, the 5% First Home Guarantee, LMI and stamp duty by state.
Convert mortgage debt into tax-deductible investment debt and model the impact.
Compare a novated lease against a car loan or cash — with the EV FBT exemption.
Track assets, debts, liquidity and net worth in one live balance sheet.
See where your monthly surplus works hardest: mortgage, ETFs or super.
Model semi-retirement and the income you need to drop to fewer days.
Compare life and money scenarios side by side to see which reaches independence sooner.