Income
Tim — Wages
Gross / week
$0
$0 net/wk after tax
Honey — Wages
Gross / week
$0
$0 net/wk after tax
Other Income
Combined wages net/wk
$0
Total income/wk (all sources)
$0
Budget Overview
—
of your income goes to expenses
Your reality
50-30-20 target
Income Breakdown
| Source | Weekly | Monthly | Annual |
|---|---|---|---|
Expenses
| Expense | Amount | Freq | Weekly | |
|---|---|---|---|---|
Allocation Chart
Weekly Transfer Plan
PROPERTY All fields update the forecast live
Property Details
| Purchase price ($) | |
| Deposit ($ / %) |
or
%
|
| Interest rate | 5.50% |
| Loan term (yrs) | |
| Rates + maintenance ($/yr) | |
| Property growth (%/yr) | |
| Invest return if renting | |
| Current rent ($/wk) | |
| Rent increase (%/yr) |
Deposit Readiness
| Bank savings (deposit pool) | |
| Emergency reserve (keep after) | |
| Weekly savings ($/wk) |
Mortgage vs Budget
| Net income/wk | |
| Non-housing expenses/wk | |
| Extra repayment — % of surplus | 30% |
Upfront Costs (FHBG + NSW stamp duty exempt)
Rate Sensitivity — Weekly Repayment
INVESTMENTS — Renting & Investing Scenario
Bank Savings — UBank
$15,674
UBank Save Shared · 5.50% p.a.
| Interest rate (%/yr) |
Crypto
$14,773
Total across all wallets
| Crypto.com | |
| Coinjar | |
| Coinbase | |
| Other | |
| Expected growth (%/yr) | |
| Weekly contribution ($/wk) |
Stocks — eToro
$16,808
eToro portfolio
| eToro balance ($) | |
| Expected return (%/yr) | |
| Weekly contribution ($/wk) |
Investment Portfolio Forecast — Next 10 Years (Renting scenario)
30-YEAR NET WORTH — RENT vs BUY
Weekly Cashflow Comparison
30-Year Net Worth Projection
Net Worth at Key Milestones
| Year | Renting NW | Buying NW | Loan bal. | Equity | Diff |
|---|
Buy Scenario — Property Detail (5yr steps)
| Year | Property val. | Loan bal. | Net equity | Rent alt. |
|---|
Projection Variables
Showing Year 1
Income vs Expenses Over 30 Years
Net Worth Trajectory
Stress Test — Weekly Surplus
| Scenario | Tim | Honey | Total/wk | Expenses/wk | Surplus/wk | Buffer |
|---|
Holdings
| Name | Type | Value (AUD) | Platform | Recommendation | Updated |
|---|
To update prices: open browser console and run
window.updateInv(id, newValue, 'Hold', 'note') or ask Claude.
Asset Allocation
Portfolio Value Over Time
Recommendation Summary & Notes
Account Summary
Emergency Fund
$0Target
Net Worth History & Projection
Balance Log
| Date | Assets | Liabilities | Net Worth | Cash NW | Note |
|---|
Accounts
| Account | Bank | Type | Last Balance | Cash NW? |
|---|
Add Fill-Up
Monthly Spend vs Budget
Cost per km ($/km)
Recent Fill-Ups
| Date | Amount | Odometer | Distance | $/km |
|---|
Add Purchase
Spend by Category
Monthly Spend
Recent Purchases
| Date | Store | Category | Amount |
|---|
Log Asset Trade
Trade History
| Date | Asset | Action | Platform | Total AUD | Note |
|---|