Latest posts
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Life Insurance Needs Worksheet
Calculate your total financial obligations — debts, income replacement years, dependant costs, and funeral expenses — to arrive at a total cover figure.
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Emergency Fund Calculator
Calculate how many months of expenses you have covered. Shows standard 3-month and 6-month benchmarks for comparison.
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Monthly Cash Flow Planner
Enter your income, fixed expenses, and variable expenses to calculate your monthly surplus or deficit. Includes a savings rate tracker and breakdown by category.
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Net Worth Tracker
A spreadsheet to record assets (home, super, investments, savings) and liabilities (mortgage, loans, credit cards) and calculate your net worth month by month.
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Wealth Building Stages Explained
An educational overview of the four commonly recognised stages of wealth building: protection, debt reduction, accumulation, and legacy — including key concepts and terms at each stage.
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SMSF Trustee Obligations Factsheet
Plain-English summary of ATO-mandated SMSF trustee duties: annual audit requirements, investment strategy obligations, contribution rules, and reporting deadlines.
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Retirement Planning Checklist
A 15-point checklist covering superannuation, Age Pension eligibility thresholds, estate planning documents, beneficiary nominations, and Centrelink asset & income test rules.
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Super Contribution Limits & Rules Guide
A factual overview of concessional and non-concessional contribution caps, bring-forward rules, carry-forward provisions, and the work test — current for the 2025–26 financial year.