Plan. Test. Build Wealth.

Section 1 of 7 About You

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Your household

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

Optional downsizing strategy

Downsizing Strategy

Explore what could happen if you sell your current home later, buy a lower-value replacement home and invest the equity released after transaction costs. This strategy is optional and is not included in the projection unless you turn it on.

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Dashboard

Your finances today, and the future you can explore.

View Financial Details

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.

Financial Progress

Compare a previous financial position with your current plan. This is optional and does not change your current financial plan.

Cashflow

Start with gross income before tax, then estimate tax, STSL compulsory repayments, 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

Choose when you want work to become optional and the lifestyle you want to fund.

Downsizing Strategy

Explore what could happen if you sell your current home later, buy a lower-value replacement home and invest the equity released after transaction costs. This strategy is optional and is not included in the projection unless you turn it on.

Forecast

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

Try a change

See how changes to investing, debt, retirement timing or lifestyle could affect your future.

Try a change to your plan

Choose a change, see its cashflow effect, decide what to do with any extra money, then compare the future. Your original plan stays unchanged.

Save Scenario

More detailed scenario

Adjust several assumptions together to test a more detailed scenario. Saving stores a separate scenario without changing your Financial Plan.

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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. STSL 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.

Save Scenario

Compare financial approaches (advanced)

Optional simplified illustrations, not personal recommendations.

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Compare financial approaches (advanced)

Optional illustrations of different approaches. These percentage estimates are not a forecast for your household. Start with the guided What-If below.

Retirement Plan

Explore when you could reduce work, retire and how much you may be able to spend along the way.

Saved Scenarios

Saved scenarios are separate from your Financial Plan. Opening, comparing or deleting a scenario does not change your underlying plan.

Scenario name Notes Save Plan to Saved Scenarios

Saved Scenarios

0 saved

All Retirement Planning Future

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.

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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. Saved scenarios retain their own outcomes.

Track Your Progress Print / Export

Assumptions Review

Edit these before printing or exporting reports.