Every pay cycle and financial year comes with trade-offs and opportunity cost. Without a unified view and informed decisions, defaults choose for you.
See the Australian levers shaping your net worth - Tax, Deductions, Salary sacrifice, Super, Medicare levy, HELP indexation, and more
Enter your holdings(Assets and liabilities)
Enter your income
Enter your essential living costs
Enter your budget and goals
See your priority areas
Your first Money Map
Based on the numbers you entered. You can refine every assumption.
These assumptions add up to an estimated
$2,590
per year
Tax deductions
Claiming $5,000 in deductible expenses at a 32% tax rate reduces estimated tax by $1,600
+$1,600
savings
Super contributions
Contributing $5,000 to super is taxed at 15% instead of your 32% tax rate, reducing estimated tax by $850
+$850
savings
HELP indexation
Your $20,000 HELP balance will be indexed at ~2.8% on Jun 1, adding $560 to your debt. Contributing $5,000 to your HELP balance reduces estimated indexation by $140.
+$140
savings
Your FinanceOS assistant can answer any further questions once you're inside.
FinanceOS assistant
Uses your current model snapshot - Powered by Claude Sonnet 4.6
HELP Indexation in Your Model
Your HELP debt is indexed once a year on 1 June.
It applies to the outstanding balance at that date.
Current HELP balance: $33,129
Indexation rate: 2.8%
Estimated indexation: $928
Calculation: $33,129 x 2.8%.
Annual compulsory HELP repayment: $450.