Atlas — Ray Family Finance

Income

Tim net/wk

—

after tax

Honey net/wk

—

after tax

Total/wk

combined wages

Budget Overview

Of your surplus — Savings 60% · Wants 40%

Cashflow — Where The Money Goes

Income Breakdown

Source	Weekly	Monthly	Annual

Expenses

Category / Expense			Weekly

SHARED ASSUMPTIONS Both scenarios use these — change once, see both move

Interest rate 5.50%/yr

Income growth 2%/yr

Expense inflation 3%/yr

Rent increase 3%/yr

INPUTS

Home Details

Purchase price ($)
Deposit ($ / %)	or %
Property growth (%/yr)

Costs

Rates + maintenance ($/yr)
First home buyer?	Stamp duty + LMI exempt
Conveyancing/inspection/misc ($)
Current rent ($/wk)

Loan Details

Loan term (yrs)
Extra repayment — % of surplus	30%

Once you own, this % of weekly surplus (after mortgage + costs) goes to extra principal repayments, shortening the loan. The rest invests alongside the property.

Savings Ability from Budget

Deposit Accumulated from Accounts & Investments

Growth Rates by Asset

Bank/Savings (%/yr)
Crypto (%/yr)
Stocks (%/yr)
Emergency reserve to keep ($)

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Upfront Costs

Deposit Readiness

Weekly Cashflow Comparison

Net Worth Projection — Renting & Investing vs Buying

Net Worth at Key Milestones

Year	Renting NW	Buying NW	Loan bal.	Equity	Diff

Sensitivity — Year 30 Verdict

Rate Sensitivity — Weekly Repayment

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Stress Test — What if income drops?

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Money Flow — This Week's Split

Hover a node or ribbon to trace its path; click to pin. Ribbon width = dollars/week. Each wage funds its own "lands in" bank first, then UBank, then Investing — set "lands in" on the Budget page. See Wealth Plan for what to buy with Investing's share.

This Week's Sweep Plan

Income landing this week + what's already in the account, minus what to keep — the rest moves on.

Net Worth History & Projection

Log balances on Transactions → Balances. Current snapshot, bins & emergency buffer live on the Accounts page.

Add Fill-Up

Date

Amount ($)

Odometer (km)

Monthly Spend vs Budget

Cost per km ($/km)

Recent Fill-Ups

Date	Amount	Odometer	Distance	$/km

Add Purchase

Date

Store / Description

Spend by Category

Monthly Spend

Recent Purchases

Date	Store	Category	Amount

Log Trade / Cash Movement

Date

Action

Platform

Asset / Symbol

Type

Units

Price/unit

Total AUD ($)

Currency

Fee ($)

Notes

Enter Units + Price or just Total AUD. A Buy creates/updates the holding and adds to cost basis; a Sell reduces it — sell to zero, then remove it on the Investments page. Total is AUD (drives net worth); Currency tags the native price.

Trade History

Date	Asset	Action	Platform	Units	Price	Total	Note

Log Balances

Date	Assets	Liabilities	Net Worth	Cash NW	Note

Snapshots feed the Net Worth history chart and the current balances used across Accounts & Wealth Plan.

Income

Budget Overview

Cashflow — Where The Money Goes

Income Breakdown

Expenses

Upfront Costs

Deposit Readiness

Weekly Cashflow Comparison

Net Worth Projection — Renting & Investing vs Buying

Net Worth at Key Milestones

Sensitivity — Year 30 Verdict

Rate Sensitivity — Weekly Repayment

Stress Test — What if income drops?

Money Flow — This Week's Split

This Week's Sweep Plan

Net Worth History & Projection

Add Fill-Up

Monthly Spend vs Budget

Cost per km ($/km)

Recent Fill-Ups

Add Purchase

Spend by Category

Monthly Spend

Recent Purchases

Log Trade / Cash Movement

Trade History

Log Balances

Account History

Ray Family — Financial Statement