Accumulate
Wealth

Budget Wizard

1) Hassle free, step-by-step budget building tool designed to put a functioning budget together in minutes not hours!

2) Gain greater control over your money by clearly identifyng your income, expenses, savings and spending habits

3) Get a powerful visual overview of your budget! The results page provides easy to read graphs to help you declutter the figures and provide insight

Money

Savings Plan Simulator

This calculator helps you model the following

1) Devise a savings plan to help you reach one of your financial goals, for example to save for a house deposit, wedding, or overseas holiday.

2) Explore the impact of different timeframes, deposit frequencies and amounts, and interest rates on your overall savings plan.

3) Compare interest rates from different providers to help you choose the most lucrative option for your needs.

Superannuation

Salary Sacrifice Maximiser

This calculator can help you model the following

1) Estimate how much money you could possibly salary sacrifice each year (based on your age, salary, and employer’s contribution rate).

2) Identify what your salary sacrifice amount would be on a monthly, fortnightly, and weekly basis.

3) Explore the possibility of entering into a salary sacrificing agreement with your employer.

Debt

Mortgage Repayment Calculator

This calculator helps you model the following

1) Estimate what your mortgage repayments might be over the life of your home loan and get an interest vs. principle breakdown.

2) Compare the costs of different mortgage sizes, mortgage lengths, interest rates, and refinancing options.

3) Work out how much you can afford to borrow (please note, this calculator is designed to be used as a guide only).

Debt

Lump Sum Repayment Calculator

This calculator helps you model the following

1) Estimate the impact of making a lump sum repayment on your loan.

2) Explore whether it makes sense to make a lump sum repayment or regular extra repayments.

3) Compare different lump sum repayment amounts with different interest rates and loan lengths.

Debt

Interest Free Deal Calculator

This calculator helps you model the following

1) Calculate the ‘true cost’ of interest-free deals, including application fees and processing fees.

2) Estimate what your minimum monthly repayments need to be to avoid paying interest.

3) Compare different interest-free deals, lengths, interest rates, and fees.

Debt

Extra Mortgage Repayment Simulator

This calculator helps you model the following

1) Estimate the impact of making extra mortgage repayments, including the total interest saved and the total time saved over the course of your loan.

2) Compare different repayment amounts with different interest rates, loan lengths, and repayment frequencies to find the most suitable option.

3) Explore how much time and interest you could potentially shave off your loan by making regular extra repayments.

Money

Term Deposit Calculator

This calculator helps you model the following

1) Identify the amount of interest you’ll earn on your savings over a specific period of time, which will help you plan for the future.

2) Compare multiple interest rates and term deposits to find the most lucrative option for your needs.

3) Predict how long it will take you to reach a specific savings goal (for example, a wedding or a holiday).

Superannuation

Employer contributions calculator

This calculator helps you model the following

1) Estimate how much your employer will contribute to your super based on your salary (and based on your employer paying the 9.5% super guarantee).

2) Get a clearer picture of how much money you are accumulating in your super on a weekly, fortnightly, monthly, and yearly basis.

3) See how employer superannuation contributions may be impacted if you’re under 18 or work less than 30 hours per week.

Debt

Credit Card Repayment Calculator

This tool can help you model the following

1) Devise a plan for paying off your credit card debt, including how to get out of an ‘interest-only’ payment cycle.

2) Calculate how many months it will take you to pay off your current credit card balance (based on your current interest rate).

3) Calculate your monthly payment obligations (including principle and interest) over a set period of time.