Tools
In short
Eight free tools for the most common money questions - including an account structure planner that designs a set of accounts for your household. Every one runs entirely in your browser - nothing you type is sent anywhere, stored on a server, or seen by us. Where a value is saved (your plan, budget, snapshot), it stays on this device and you can delete it anytime.
These tools use no accounts and no tracking. The budget planner and money snapshot can save to this browser only, so your figures are there next time. Use the delete buttons, or , to clear everything.
Account structure planner
Tell us about your household and get a tailored set of accounts - joint, personal, savings, offset and children's savings - plus what to look for in each. Runs privately on your device.
Tax & take-home estimator (2026-27)
Estimate income tax, Medicare levy, the Low Income Tax Offset and your after-tax income for a resident, single, no dependants.
Budget planner
Enter monthly amounts. Leave blank what does not apply. Saves to this device only; export as a spreadsheet anytime.
Emergency fund calculator
Work out how big a safety net you are aiming for, and how long it takes to get there.
Savings goal projection
See how a starting balance plus regular deposits can grow with compound interest.
Super projection
A simplified projection using the 12% employer super guarantee and optional extra contributions.
Debt payoff calculator
See how long a debt takes to clear and what the interest costs. Try adding a little to the monthly payment.
My money snapshot
Add every account, debt and investment you hold to see your whole position and net worth in one place. Everything stays in this browser. Export anytime.
Every tool here gives a general estimate using standard assumptions. Real results depend on your full circumstances, fees, tax, and market movements. Use these to explore, not to make final decisions - check official sources and consider a licensed professional.
Verified 20 July 2026