What does your money actually do?

A clear picture of what comes in, what goes out, and what is left over.

1
Income
2
Debts
3
Living costs
✓
Your snapshot
Step 1 of 3
What comes in each month?

Enter your take-home pay after tax — the amount that actually lands in your bank account each month. If you are paid fortnightly, multiply by 26 then divide by 12.

Your income monthly, after tax
Salary / wages ? Your take-home pay after tax and super — what lands in your account. If paid fortnightly, multiply by 26 then divide by 12.
$
Other income ? Second business income, rental income, government payments (Family Tax Benefit, etc.), bonuses, commissions — anything regular.
$
Step 2 of 3
What do you owe?

These are your committed debt obligations — what goes out regardless of how the rest of the month plays out. All monthly.

Rent or mortgage ? Your current monthly rent or home loan repayment. This is captured separately so we can show what changes if you buy, upgrade, or invest.
Current housing payment
$
Other debts
Credit card limits ? Enter the total credit limit across all cards — not your current balance. Lenders assess your full limit as a potential liability regardless of what you owe.
Total limit across all cards
$
Personal or car loans ? Monthly repayments on any personal loans, car finance, or buy-now-pay-later arrangements you are currently repaying.
Monthly repayments
$
HECS / student debt ? Your estimated monthly HECS or HELP repayment. If you are unsure, your repayment is usually deducted from your payslip — check there for the monthly figure.
Monthly repayment or estimate
$
Tax obligations ? If you are self-employed or have investment income, enter your average monthly tax liability. PAYG employees can leave this at zero.
Self-employed or investment income tax
$
Step 3 of 3
What does life actually cost?

Be honest here — this is where the picture becomes real. All figures are monthly averages.

Groceries ? Supermarket and fresh food spending for the whole household. Include takeaway meals if they are a regular habit rather than occasional.
$
Transport ? Car running costs (fuel, rego, insurance, servicing), public transport, Uber, tolls. Divide annual costs like rego by 12 to get a monthly figure.
Car, public transport, fuel, tolls
$
Insurances ? Health insurance, life and income protection, home and contents. Do not include car insurance if you already counted it in transport.
Health, life, income protection, home
$
Household ? Electricity, gas, water, internet, strata fees, rates, and general home maintenance or repairs spread across the month.
Utilities, internet, strata, rates
$
Tech and phone ? Mobile phone plans, streaming subscriptions, software, devices on payment plans. Add up all the small ones — they usually total more than people expect.
Phones, subscriptions, streaming
$
Personal care ? Clothing, haircuts, cosmetics, gym memberships, personal grooming. Include a monthly share of less frequent purchases like seasonal clothing.
Clothing, haircuts, gym, cosmetics
$
Lifestyle ? Dining out, drinks, sport, hobbies, entertainment, holidays. Divide annual holiday spend by 12. Be honest — this is usually the most underestimated category.
Dining, holidays, sport, hobbies
$
School and kids ? School fees, childcare, uniforms, activities, and child-related expenses. Divide annual fees by 12 for a monthly average.
Fees, childcare, activities
$
Your financial snapshot
Here is where you stand
Monthly income
—
—
Disposable income
—
after all expenses
Housing
—
Debts
—
Living costs
—
Left over
—
Total expenses
—
—
Savings rate
—
of monthly income
Current housing cost
—
—
Debt obligations
—
excl. housing
What you could put toward a new loan
—
—
Your expenses currently exceed your income. Before thinking about a property purchase, it is worth sitting down to review where the money is going. Andrew can help you work through this — that is exactly what a strategy conversation is for.
Ready to go further?
Let's talk about what this means for you

These numbers are a starting point. A 20-minute call with Andrew will turn your snapshot into a real picture of what you can borrow, what a purchase looks like, and what needs to change if the numbers are not there yet.

Book a strategy call

This tool provides a general financial snapshot only and does not constitute financial advice. Figures entered are not stored or shared. Results are indicative and do not account for your complete financial position. Always speak with a qualified broker or financial adviser before making any property decisions.