Every figure in one place
Assets, income, expenses, cash, investments and closed positions in a single organised ledger, with net worth, surplus and composition calculated as you type.
Wealth Position
What you hold and where it is headingRoad to target
Portfolio at expected return
Required path to target
Cash at deposit rate
Where the money sits
Confirmed assets onlyComposition of net worth
Wealth Indexes
Eight measures, each against a recognised benchmarkIndex board
Gold tick is the benchmarkPerformance profile
Shape of the plan
Your position
Benchmark, 7 out of 10
Cash Flow and Spending
Next twelve monthsIncome against spending
Income
Expenses
Cumulative surplus
Where spending goes
AnnualisedPerformance Report
Scored against wealth management standardsWealth performance score
0
out of 10
Assessing
An internal management score only. It is calculated from figures you entered and from general benchmarks. It is not a rating, certification, valuation or opinion issued by any licensed or regulated body, and it is not a recommendation to do anything.
Ledger
Everything you own, earn and spend. Confirmed holdings live in Current Portfolio and flow into these totals automatically.
Assets
Excludes investmentsName
Class
Value
Income
Before taxSource
Amount
Frequency
Expenses
Cash outCategory
Amount
Frequency
WHAT HAPPENS IF YOU KEEP SAVINGS IN CASH
The reference every candidate below is scored against. If an option cannot beat this line after tax and inflation, it is not an investment, it is a hobby.
Cash savings held
1. Savings account % p.a.
1. 12-month term deposit % p.a.
2. National inflation %
2. International inflation %
Which rate applies
3. Where the money goes over 12 months
Verify before you act. Bank rates and inflation figures are prefilled from public sources on a single date and change without notice. Confirm current rates directly with the provider.
Tax basis
Other taxable income this year
Medicare levy
Your marginal rate
Long term gain rate
Estimates only, not a filing position. This model ignores offsets, losses, trusts, companies, super, foreign income rules and your individual circumstances. Have a registered tax agent confirm any number before you rely on it.
Test Potential Investment
Model it here first. It gets ranked against every other candidate and against cash. Press Confirm only once the money is actually committed, and it moves straight to Current Portfolio.
Location
Name
Type
Capital invested
Expected Result basis
Expected Result minimum
Expected Result maximum
Expected End Date
Risk score
Candidates Ranked
Best to worstPriority Board
What to fund first, and whyFunding priority
Wealthy & Smart scoreRisk against reward
Bubble size is capital
Cash baseline after tax
Beats cash
Loses to cash
Comparison table
Every candidate, side by sideHow the ranking works
Read once, trust afterPlanning Report
Summary and conclusionsAdd a confirmed holding
For money already committed. Anything added here counts inside net worth and the Overview immediately.
Location
Name
Type
Capital invested
Expected Result basis
Expected Result minimum
Expected Result maximum
Expected End Date
Risk score
Holdings
Confirmed and liveThree Scenario Forecast
Downside, base, upside
Downside, your minimum stressed by risk
Base case, midpoint of your range
Upside, your maximum
Scenario table
All data, per holdingPortfolio summary
Where you actually standScenarios are illustrations, not forecasts. The downside and upside cases are produced from the expected result range you entered and your own risk score. Real outcomes can fall outside both.
History
Every position you have closed, newest first, grouped by the month and year it ended. This is the only record that shows what actually happened rather than what you expected.
Financial year tax summary
Financial year boundaries are indicative. They follow the personal tax year of the account location and change automatically when you change that location. Tax shown is estimated under today's rules and your current income, not the rules that applied in each year. Confirm every figure with a registered tax agent before lodging anything.
Annual Tax Pack
Completed disposals, ready for the accountantFinancial year report
Only positions that were closed and completed inside the year appear here. Open holdings are excluded, because nothing is a taxable event until it ends.
Financial year
A working summary, not a tax return. It is prepared from the figures you entered and today's rates, and it ignores acquisition and disposal costs, improvements, carried forward losses, franking credits, structures and foreign income rules. Give it to a registered tax agent together with your contract notes and settlement statements.
What the closed book says
Expectation against realityWealth probability by location
Modelled odds that each route carries a committed operator from a standing start to financial independence, roughly twenty five times annual living costs, inside twenty years in Australia. Same person, same effort, different route.
Routes Ranked
Best odds first for this locationYour capital against the odds
Confirmed holdings mapped to routesHow the probability is built
No black boxesModelled likelihoods, not measured outcomes. These figures come from a transparent scoring model using country level conditions. They are not statistics, forecasts or predictions of what will happen to you, and country factor scores are broad estimates that you should challenge against local evidence.
Same portfolio, different flag
Your confirmed portfolio and cash holding repriced under each country's tax, deposit and inflation settings. Every country in the world is listed alphabetically. All figures are editable, so you can model a policy change or a rate move before you commit to anything.
Comparison
A planning sketch, not a relocation plan. Residency tests, exit and departure taxes, deemed disposal, double tax agreements, currency movement, visas and cost of living are not modelled. Cross border tax positions need advice from a qualified adviser in both countries.