Budget & Finances
Manage today's numbers and see the immediate impact
Now
Your baseline household position today
Scenario: BaseCurrent Position
Total value of all assets (investments + accounts) minus all liabilities (loans). This represents your overall financial position.
$0.00
Annual Cashflow
Total income minus expenses, tax, and loan repayments per year. Positive = surplus, Negative = shortfall.
$0.00
Deployable Cash
Freely available cash from operating, savings, and transaction accounts (excludes offset accounts). This cash can be deployed for investments without impacting loan benefits.
$0.00
Drivers
What is shaping this baseline
Cashflow momentum
$0.00
Surplus supports planning flexibility.
Debt service load
$0.00
No active loan drag on cashflow.
Immediate deployment buffer
$0.00
Low cash buffer for sudden life events.
Available Equity
Property equity accessible via refinancing at 80% loan-to-value ratio (LVR). This represents the amount you could potentially borrow against your property investments for new investments.
$0.00
Total Investment Capacity
Total deployable capital for new investments: liquid cash + available equity. This represents your maximum investment capacity combining both cash and property equity.
$0.00
Structure
Editable financial structure
Income Sources
| Label | Amount | Frequency | Person | |
|---|---|---|---|---|
Expenses
| Label | Amount | Frequency | Person/Shared | |
|---|---|---|---|---|
Loans
| Label | Person | Linked | Current | Eff. Balance | Rate % | Freq. | Term | Start | Repayment | |
|---|---|---|---|---|---|---|---|---|---|---|
| No loans added yet. | ||||||||||
Investments
| Label | Type | Value | Income Type | Yield % | Income $/yr | Growth % | Owner | |
|---|---|---|---|---|---|---|---|---|
| No investments added yet. | ||||||||
Accounts
| Label | Type | Balance | Monthly Savings | Projected 1 Yr | Linked Loan | Interest Rate % | Owner | |
|---|---|---|---|---|---|---|---|---|
$10.41K+$407.42 interest | — |
Readout
Household P&L instrument
P&L Ledger
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