Type in what you earn, what you owe and what you are saving for. You get an honest picture of where you stand — and what to fix first.
Every money decision is really two questions: does it matter, and is it urgent? The pile below is the whole list of things people are told to do with money — drag in the ones that are actually yours, and leave the rest. Sorting is not compulsory; nothing you leave behind counts against you.
Tap a card then tap a box, or drag on a computer. Getting one wrong is fine — that is what the check button is for, and every wrong card tells you why. Anything you leave in the pile is not yours to deal with today.
This is the same thing a financial adviser asks on a first appointment, in 15 short steps. Nothing is pre-filled — the numbers have to be yours. Skip anything you do not know yet.
Not advice — your own figures, in the order they usually matter, with the reason each one matters.
Underneath every investment plan is the same idea: hold a few things that behave differently, matched to how long the money has to work. Watch what the mix does as you move the slider.
Four steps, in the order they make sense.
Everything above, in one document you can keep, print or hand to someone. Save it as a PDF and it is yours.
If you ever hand this to a licensed adviser, this is what they get first. It is written in plain words on purpose.
Every lesson is the same shape: plain words, then something you can play with, then a few questions, then a mastery check. Learning is optional — nothing on the money tab is locked behind it.
Open any one. Your progress is kept on this device.
Five calculators. No login, no email, nothing sent anywhere. Change one number and watch what happens.
See what a regular amount turns into over the years, and how much of it is just time.
How long the balance sticks around, and what paying a bit more does to the interest.
How much cash you would want put aside before anything else, measured in months of your essential costs.
Five questions about how you react when money drops.
What a goal actually costs per week to hit on time.
Compounding means the earnings start earning. Move the sliders.
Estimated, and it assumes a steady return with nothing taken out — real markets do not go in a straight line. This is an illustration, not a forecast.
Tap any of these to put that rate in the calculator. They are historical averages of the past, not forecasts, and not a recommendation of anything.
A minimum repayment is designed to keep the debt alive, not to clear it. Watch what the extra payment does.
The buffer is cash set aside so a bad fortnight does not become a credit card debt.
Comfort is how you feel. Capacity is how much you can afford to lose. They are not the same number, and a licensed adviser checks both.
A goal without a weekly number is a wish. This turns it into a number you can put in a budget.
The tutor explains and re-explains. It is not an adviser, so it will never tell you what to buy — it will tell you how something works and what to check.
If a word gets used anywhere on this site, it is here, defined without jargon.
We teach. A licensed human adviser, from an independent business, gives the advice. That split is deliberate and it is permanent.
Income, costs, assets, debts, insurance, goals, how you feel about risk. The same fact-find an adviser would do.
No jargon, no scores, no recommendations. Just your position, written so a stranger can read it in two minutes.
They are licensed under an AFSL, they are paid a flat fee, and they are the only party giving advice. They can disagree with everything on this site — and sometimes will.
A plan with a name on it, from a professional who is accountable for it. That is the difference between information and advice.
Generated from the numbers you typed. Nothing here leaves this device until you choose to make an account.
Most people leave school knowing how to find the area of a triangle and nothing about how a credit card works. That is not a personal failing. It is a gap in the education, and the information that does exist is written for people who already understand it.
Financial education that starts from zero, in plain words, with something you can look at and play with. Free, and staying free.
Teaching is not advising. We can teach you how interest works. Only a licensed human can tell you what to do with your money — and that is the right way round.
Every idea appears at least twice: once in plain words, once as something visual or interactive. You only move on when you can explain it back.
Australia first. Then the trust layer: matching people to a licensed adviser on a flat fee, never a commission.
The teaching is free forever, including every lesson, the tutor and the definitions. You pay for the software, never for the advice.
Free forever. No card, no trial, no countdown.
The software, switched on. Cancel any time, no lock-in.
Charged by the licensed adviser, not by us. They set it, you agree it, they deliver it.
Prices are in Australian dollars and are indicative while the product is in beta. Nothing on this page is financial product advice.
Everything here is general information and education. It does not consider your objectives, financial situation or needs, and it is not a recommendation about any financial product. We do not hold an Australian Financial Services Licence and we do not give financial product advice. Advice comes from a licensed adviser, and they are responsible for it.
Type everything in and nothing is sent anywhere — the figures live in your own browser. If you make an account, your details are saved so they follow you between phone and computer. You can delete the account and the data with it. See the Legal tab for the full version.
The site works fully without an account. An account exists so your progress and your details survive a new phone or a cleared browser.
This is being built solo, in public, with a long list still to do. The lesson content is reviewed against a plain-language standard before it ships, and the adviser layer is being built now.
The lessons cost nothing and always will. The subscription pays for the software — the trackers, the syncing, the exports. Advice is sold separately by licensed advisers, at a flat fee.
Your details stay on this device unless you make an account. An account exists for one reason: so your progress and your picture survive a new phone.
We never sell your data, we never see your card, and we never present our own output as licensed financial advice.
Sign in and your saved picture loads straight away.
By making an account you agree to the terms and the privacy policy. 18+.