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Your financial picture

Enter monthly amounts in AUD. Leave anything that doesn't apply blank. Nothing you type leaves this browser tab.

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Monthly income

Take-home amounts, after tax.

Primary employment income

Your main job's take-home pay per month. This is what a job-loss scenario removes.Secondary or household income

A partner's take-home pay or a second job, per month.Other recurring income

Rental income, Centrelink payments, child support, regular side income.

Monthly expenses

Don't include savings or investment contributions here — they go below.

General living expenses

Groceries, utilities, transport, insurance, phone, everyday spending.Mortgage or rent

Your monthly mortgage repayment or rent.Other loan & debt repayments

Car loans, personal loans, credit cards, BNPL minimums.Other recurring expenses

School fees, childcare, subscriptions, memberships.

Financial resources

Cash savings

Money in savings, transaction or offset accounts.Other readily accessible cash

Term deposits maturing soon, redraw you'd genuinely use.Investment portfolio value

Shares, ETFs, managed funds (excluding super). Tracked separately — we don't assume you'll sell them.

Regular contributions

These are allocations of your surplus, not extra expenses. Savings contributions stay in cash; investment contributions move cash into investments each month.

Monthly savings contribution

Money you set aside into savings. It stays part of your cash, so it doesn't reduce your runway.Monthly investment contribution

Money you move into investments each month. This leaves your cash balance.