Your household money at a glance

What happens to every dollar?

Explore raises, bucket allocations and the journey beyond a fully offset mortgage.

View forecast year

Take-home / month

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Two salaries combined

Fire → offset / month

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35% of income

Fully offset by

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Future goal savings

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Balance at year-end

Budget buckets

Monthly allocation for Year 1

These are allocations, not unspent account balances. The forecast tracks actual offset and future-goal balances separately.

Your offset milestone

The offset balance catches up to the remaining mortgage balance.

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Mortgage fully offset–

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Mortgage fully paid off–

Regular repayments continue after offset

After full offset

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Monthly flow into investment, next-home and family goals when fully offset, assuming no change in salary.

Cumulative forecast

Watch your money build across years.

Allocation lines total the money directed into each bucket, not what remains after spending. Goal lines are projected cash balances and assume no investment returns.

Plan your next salary increase

A raise after Year 2 can bring your offset milestone forward and grow every budget bucket.

Year 1 salaries–

Year 3 salaries–

Year 3 monthly net–

Set a new salary for either person or both from Year 3. It stays in force until the next scheduled change.

Income grows with your career

Year-by-year salaries

Increase either salary independently. The change carries forward to later years automatically.

Add or change a future salary

Leave either salary blank if it should stay unchanged.

Effective from

Before Year 3: Salary 1 $80,000 · Salary 2 $80,000

Salary 1 — new annual gross ($)Current salary continues

Salary 2 — new annual gross ($)Current salary continues

Combined gross in selected year–

Monthly take-home in selected year–

Monthly take-home change–

Full salary schedule

Tap Edit on any year to enter a raise. Shaded rows have a scheduled change.

Year	Period	Salary 1 gross	Salary 2 gross	Combined gross	Monthly net	Change	Edit

Take-home figures use fixed illustrative 2026–27 Australian resident tax rates and a 2% Medicare levy. They do not automatically incorporate future tax changes, HELP repayments, salary packaging, or super contributions.

A clearer picture of your progress

Cumulative monthly & yearly forecast

Follow each bucket's total allocations alongside the savings that remain in your accounts.

Long-term trajectory

Balances include the effect of each scheduled salary increase.

Detailed forecast

Contributions show monthly or yearly money flow. Running totals show everything accumulated since the start.

In cumulative view, Daily/Splurge/Smile/Fire mean total allocations over time—not unspent cash. The offset and future-goal funds are projected remaining balances.

Make the model yours

Planner settings

Set your starting finances. Everything saves locally on this device.

Household income

Base salaries are used in Year 1 and continue until a later change is scheduled.

Salary 1 · annual gross ($)

Salary 2 · annual gross ($)

Forecast starting month

Mortgage and offset

Offset cash is assumed to reduce mortgage interest dollar for dollar.

Remaining loan ($)

Current offset savings ($)

Annual interest rate (%)

Regular repayment / month ($)

A full offset eliminates modeled interest, not the mortgage itself. Scheduled repayments continue to reduce the principal.

Budget bucket percentages

The Fire Extinguisher automatically receives the remainder.

Daily Expenses56%

Splurge5%

Smile4%

Fire Extinguisher

35%

Remaining share allocated first to the offset, then toward future goals.

After the offset is full

Where should extra savings go?

Investments & super45%

Future home40%

Holidays & family

15%

Automatic remainder of the post-offset savings.

Release offset surplusAs the mortgage shrinks, move cash above the new loan balance into goal funds.

Redirect repaid mortgage paymentsAfter the mortgage reaches $0, redirect the freed monthly repayment into goals.

Your data, your device

No account or password. Your settings are saved only in this browser on this device, not synced with other phones.

↑ Import settings

Export a JSON backup before clearing browser data or changing phones. Sharing this public app link shares the planner, not your locally saved figures.