See your finances modelled end-to-end in one holistic operating system, and compare scenarios to make informed decisions for your life goals.
General information only - Not financial advice
A $100,000 salary isn't what lands in your account. FinanceOS shows what comes out first, and what's left.
Add rent, groceries and bills once. The rest is yours to save or spend.
Some to a savings buffer, some to your goals. Half each here; you set your own split.
Savings, investments, super and debts add up to one number: your net worth. This year's money adds to what you already had, and your employer pays $12,000 of super on top of your pay.
FinanceOS flags each date early, and what it means in dollars.
About $928 will be added to your $33,129 HECS debt
$20,500 of this year's $32,500 limit is left
Try a what-if on your tax today, and soon compare store cashback and fuel prices. Estimates, not advice.
Plain-English answers, worked out from your own figures. General information, not advice.
About $75,259 a year. Here is where the rest of your $100,000 salary goes before payday:
Plus $12,000 of super your employer pays on top.
About $93,129 after this year, in this model. What you own, minus what you owe:
In each colour, the pale part is what you had before this year and the solid part is what this year adds, before any interest or returns. Super is after the 15% contributions tax. HECS is after the 1 June indexation and this year's repayments, which are credited when your tax return is processed.
On 1 June, by about $928 in this model. Your balance before and after:
Separate from the $3,821 a year of repayments already coming out of your pay.
If $5,000 of this year's pay went into super before tax, your take-home pay drops by about $3,400 and your super grows by about $4,250 in this model:
Super is generally locked away until you retire. The $5,000 counts toward the $32,500 super tax limit (concessional cap), along with your employer's $12,000. HELP repayments stay the same, as salary-sacrificed super still counts as HELP repayment income.