Your financial health check.

What These Tools Are For

The calculators in this section are designed to help you think clearly about your overall financial position — not just individual transactions. They're built for the kind of big-picture questions that most Australians don't have good answers to:

• Am I on track for retirement?
• What happens to my family if I can't work?
• Which financial action should I prioritise right now?
• What would acting on good financial advice actually be worth to me?

Every tool here runs entirely in your browser — no data is sent anywhere, no sign-up is required, and no results are stored. Use them as many times as you like, with as many scenarios as you want.

The 8 Advice Levers

The Before & After Advice calculator and the Advice Priority tool both model the same set of 8 financial levers that account for the majority of wealth outcomes for Australian households:

• A — Debt Strategy: Structuring debt to minimise interest and maximise deductibility
• B — Super Optimisation: Salary sacrifice, concessional contributions, and investment options
• C — Insurance Adequacy: Life, income protection, TPD, and trauma
• D — Tax Efficiency: Offset accounts, income splitting, and timing strategies
• E — Investment Strategy: Diversification, asset allocation, and fee minimisation
• F — Cashflow Management: Budgeting, saving rate, and cash flow optimisation
• G — Estate Planning: Will, power of attorney, beneficiary nominations
• H — Retirement Income: Drawdown strategy, Age Pension optimisation, TTR

The tools quantify the compounding impact of acting (or not acting) on each of these over a 10–20 year time horizon.