Tools to help us help you

Map your household income, tax and spending, and see your surplus. Calculates your tax automatically and exports to Excel.

Spare cash each month — pay down the mortgage or invest it? See the return you'd need to earn before tax to make investing worthwhile, compared across your name, your partner's, a trust, a company and super.

Work out how much to put into super to use up this year’s cap, and what that costs you each pay. Start from a salary, your take-home pay, the year-to-date figures on your payslip, or your FIFO roster — then see whether salary sacrificing or contributing after tax leaves you better off.

Work out your income tax, Medicare and take-home pay for any income — and see how it's built up, bracket by bracket.

See which super strategies you may qualify for — co-contribution, carry-forward, bring-forward, spouse contributions and more.

Estimate your Centrelink Age Pension from the income and assets tests — including deeming — and see which test applies.

What a good year and a bad year actually look like in dollars across five risk profiles — so you can pick the one whose bad year you could live through.

The simple one — enter your super balance and yearly drawdown, and see how many years it lasts, with a graph and year-by-year table.

See how long your super lasts and your retirement income — with the Age Pension layered in year by year. Plan in the holidays and big-ticket spending you want, plus a full cashflow table and graphs.

Super left to a spouse is tax free; super left to an independent adult child is not. See what tax your children would pay on your super, whether paying it through your estate helps, and what a recontribution strategy could save.

Been made redundant? See your tax-free amount, the tax on the rest and your unused leave, and what you actually take home.

Estimate your Child Care Subsidy and what you'll actually pay out of pocket — per week, fortnight and year.

How much Life, TPD and Trauma cover does your family actually need? Clear the debts, replace the income, educate the kids — then see the gap against the cover you already hold, plus an income protection target.

Tell us about you and your finances ahead of your advice — details, assets, super, insurance, goals and more.

A few questions before your review so we make the most of our time together.