Australian household & property scenario planner Prototype · Not a lending assessment
Wealth and family, in balance
Build your property portfolio without putting your family’s lifestyle on the line.
Explore what a property purchase could mean for your household cash flow, reserves and room to handle life changes. Change the assumptions and see the balance update.
Your Wealth Snapshot
Start with a clear picture of household income, commitments and accessible savings. Estimates are fine for an initial exploration.
Household income (annual, before tax)
The built-in take-home estimate is simplified and excludes individual tax offsets, HELP, salary packaging and other personal circumstances. An override is recommended for planning.
Monthly household spending
Assets, liabilities & current home
Your Life Changes
Plan for the changes that are realistic for your family, not just the ideal month. These assumptions affect the stressed household income and expenses.
Employment & income changes
Use income reduction to model parental leave, reduced hours, job transition or temporary loss of income. For a more precise parental-leave estimate, enter the expected combined take-home income in the optional override on Stage 1.
Family priorities
Your Property Scenario
Enter a proposed investment property and its estimated costs. Acquisition costs are funded from liquid assets in this prototype.
Purchase & finance
Optional tax estimate
Tax estimate uses assumed marginal rate, deductible operating costs and interest; it ignores many personal and property-specific tax rules. Principal repayments are not treated as deductible. Obtain tax advice before relying on it.
Stress-Test Your Future
Change the assumptions to see how much breathing room remains. All results update immediately.
Stress-test controls
Compare scenarios
The report compares your current household, proposed purchase, higher rates, reduced income and combined stress. The stress controls below are applied to the relevant scenarios.
Your Wealth Balance Report
A planning snapshot based on the assumptions entered—not a loan approval or guarantee.
Monthly cash flow comparison
Bars show monthly household surplus after the investment property's operating cash flow and repayments. Negative values are shown at the minimum height for visibility.
Pressure points & resilience
What the numbers mean
Print / save your summary
Use your browser's print dialog to save this report as a PDF.
Important limitations: This prototype is an educational scenario tool, not personal financial, tax, legal or credit advice. Take-home income is estimated using a simplified Australian resident tax model unless overridden. It does not calculate lender serviceability, borrowing capacity, LMI, stamp duty by state, land tax, depreciation schedules, capital gains tax, HECS/HELP, family benefits, superannuation, inflation, property growth, refinance costs or all tax interactions. Property cash flow is an estimate and can omit costs. Verify all assumptions with qualified professionals and current lender / government information.