Loans, tax, and what-if tools
Track loans, estimate tax/HECS, and stress-test decisions.
Loan tracker
Store home, personal, car, and other loans with:
- Statement balance and as-of date
- Interest rate (% p.a.)
- Repayment amount and frequency (including weekly)
- Offset for home loans
- Optional link to a cashflow expense
Balance projects forward between statement dates for planning. Always trust the lender app for official figures.
Tax, Medicare & HECS
Planning estimator for residents: income tax, Medicare levy, optional HECS-HELP, Medicare levy surcharge context, and take-home. You can convert gross when changing pay frequency and apply take-home to an income line.
Cross-check with the ATO and MoneySmart income tax calculator.
What-if tools
- New loan affordability against surplus
- Novated lease package (term, running costs, residual, industry FBT headroom)
- Big purchase cash vs finance
Novated leases
Save a lease on the budget, assign it to a household person (Income and Calculators), and review net cost vs tax saving estimates. FBT caps are planning figures only.