Tax tool
Cashflow & surplus income
Surplus left each week and month.
Brings income, tax and household expenses together in one statement to show the surplus left over each week, month and year. It is the foundation number for almost every strategy: what is actually available to direct somewhere useful.
Expenses can be entered at whatever level of detail the client can manage, from one line to a full budget.
What you see on screen
In the app this chart is live: every assumption is on screen, editable, and the projection moves as you change it.
Key inputs
- Income for each household member
- Household expenses, by category or in total
- Existing loan repayments and commitments
- Planned savings already underway
What it reports
- After-tax household income
- Total committed and discretionary spending
- Surplus per week, month and year
- Where the surplus currently goes
Insights it surfaces
Alongside the numbers, the tool writes plain-language findings you can carry straight into the conversation. Example wording, from sample figures:
The household clears $2,450 of surplus each month after tax and all commitments, about $566 per week available to deploy.
Redirecting half the surplus to the offset account saves $61,300 of interest over the loan's life.
Every tool, every time
Rates and thresholds come from the verified Australian rate set for the selected financial year. Every run can be saved as a scenario against the client, exported as a client-ready PDF or an Excel workbook with live formulas, and carried into an SOA or ROA. A methodology and audit PDF documents the calculation, and every output carries the compliance block.