Financial Health Calculators

Budget Analyzer

Score a monthly budget against the 50/30/20 rule — see needs, wants, and savings percentages with a balance score that flags imbalances.

COBRA Insurance Calculator

Calculate total COBRA continuation health insurance cost after employment ends, given the previous employer's full monthly premium.

Credit Card Rewards Value Calculator

Calculate net annual value of credit card rewards after the annual fee. Enter spend and reward rate to see net rewards value.

Credit Utilisation Calculator

Calculate credit utilisation ratio and compare against target for credit score optimization. Enter credit limit to see utilisation percent and current balance.

Death in Service Calculator

Calculate your death in service benefit amount, tax-free portion, and taxable share using your annual salary and policy multiplier.

Disability Income Gap Calculator

Calculate the income gap if disabled, considering insurance coverage percentage and the months of cover the policy provides.

Emergency Fund Calculator

Calculate emergency fund target and timeline to reach it from expenses and contributions. Enter months of coverage to see target amount and current gap.

Emergency Fund vs Investing Calculator

Compare the expected value of emergency fund savings versus investing the same amount across various probability-weighted scenarios.

Employer Contribution Value Calculator

Calculate lifetime value of employer pension match over career with compound growth. Enter salary and years remaining to see compounded match value.

Financial Independence Number Calculator

Calculate your financial independence number using the 4% rule. See how long it takes to reach based on current investments and contributions.

Financial Health Dashboard

One-number financial health score from savings rate, emergency fund months, debt ratio, and net worth relative to income.

Financial Health Score Calculator

Calculate a financial health score across five metrics — emergency fund, savings rate, debt ratio, investment rate, and protection — with strengths flagged.

Financial Independence Days Calculator

Calculate how many days your net worth would cover monthly expenses — a continuous progress tracker on the road to financial independence.

Financial Independence Ratio Calculator

Calculate financial independence ratio as monthly passive income divided by monthly expenses — the FI percentage you've actually reached so far.

Financial Stability Score

Calculate financial stability score by analyzing income, savings, debt levels, and emergency fund coverage. Measure overall financial health and resilience.

Financial Stress Score Calculator

Calculate a financial stress score across cashflow, emergency fund cover, debt-to-income ratio, and self-reported anxiety on a single composite scale.

Financial Wellbeing Score Calculator

Calculate a financial wellbeing score from emergency fund months, debt-to-income ratio, savings rate, and net worth progress.

Health Insurance Calculator

Calculate expected total annual health insurance cost including premiums and expected usage at your deductible and copay structure.

Health Insurance Deductible Calculator

Calculate health insurance true cost including deductible and coinsurance — expected and worst-case annual cost at your plan structure.

Health Insurance Lifetime Cost Calculator

Calculate lifetime cost of health insurance premiums over a given number of years at expected premium inflation. Free — no signup.

Healthcare Opportunity Cost Calculator

Calculate what your private healthcare premiums would grow to if invested over the years you pay them — the silent opportunity cost of the policy.

Household Financial Stress Calculator

Calculate your household financial stress score across five factors—debt, savings, income stability, and more—to see your overall stress band rating.

Human Life Value Calculator

Calculate Human Life Value for life insurance — the present value of future income contribution to the household until retirement.

Income Protection Calculator

Calculate monthly income protection cover needed based on income, expenses, partner income, and existing cover. Free — no signup.

Income Replacement Calculator

Calculate the capital needed with our income replacement calculator to sustain a target monthly income over time, adjusted for inflation and returns.

Income Shock Survival Simulator

Calculate emergency fund duration if income completely stopped. Stress-test financial resilience and determine months of expenses covered by savings.

Income vs Expense Gap Calculator

Visualize monthly gap between total income and expenses. Identify spending categories and quantify surplus or deficit for budget adjustment.

Index Fund vs Active Fund Calculator

Compare index fund vs active fund final wealth over a multi-decade horizon, accounting for the compounding effect of fee drag.

Insurance Deductible Break-Even Calculator

Find the number of claims per year where a higher deductible with lower premium breaks even with a lower deductible at higher premium.

Insurance Premium Comparison Calculator

Compare two insurance premiums over a multi-year horizon to see cumulative costs, total out-of-pocket differences, and long-term savings gaps.

Joint vs Separate Finances Calculator

Compare joint versus separate finances methods for couples from each partner's income and the chosen split or pooling structure.

Life Cover Needs Calculator

Calculate life insurance cover needed for dependants. Enter income to see life cover shortfall given income replacement needs and debts.

Life Milestone Financial Planner

Plan funding for major life milestones including wedding, home purchase, and first child. Enter wedding cost to see shortfall or surplus and total cost.

Long-Term Disability Calculator

Calculate long-term disability insurance gap from income and existing coverage. Enter essential expenses to see annual income gap and annual essential need.

Medical Expense Budget Calculator

Estimate annual medical expenses including routine care, prescriptions, and dental/vision. Enter gp / medical visits to see annual total and monthly budget.

Millionaire Next Door Calculator

Calculate your Millionaire Next Door net worth using the Stanley and Danko formula. Enter age and income to see if you're over or under accumulating.

Net Worth by Age Calculator

Compare your net worth against an age-based benchmark from income and current age — see how the maths places you on the curve.

Net Worth Calculator

Calculate your net worth. Sum savings, investments, and property minus mortgage and debts to see your financial position.

Net Worth Growth Tracker

Track net worth year-over-year growth — dollar change, percentage, monthly average — with the growth strength categorised on a band.

Passive Income Calculator

Calculate the portfolio size needed to fund monthly expenses through investment income at a chosen safe withdrawal rate.

Passive Income Goal Calculator

Calculate the capital needed to reach a passive income goal. Enter your target monthly income and yield rate to see the required investment base.

Private vs Public Healthcare Calculator

Compare private vs public healthcare calculator costs over any time horizon to see the total cumulative outlay for each payment stream.

Property Reinstatement Calculator

Calculate property reinstatement value for building insurance from floor area, rebuild rate per square metre, demolition cost, and professional fees.

Recession Readiness Calculator

Score recession readiness across 5 factors — emergency fund cover, debt-to-income, income stability, insurance, and discretionary cut-back capacity.

Recession Reserve Calculator

Calculate the cash reserve needed to weather a recession of your chosen length at your essential expense level per month.

Rich vs Wealthy Calculator

Calculate whether you're rich (high income) or wealthy (passive income covers expenses) with wealth score. Enter passive return to see rate.

Savings Emergency Readiness Score

Generate emergency fund readiness score from 0–100 based on liquid savings and monthly expenses. Assess financial resilience and emergency preparedness levels.

Savings vs Spending Ratio Score

Calculate the ratio of monthly savings to monthly spending — an honest measure of financial discipline, with a band rating attached.

Short-Term Disability Calculator

Calculate short-term disability benefits by entering your weekly salary, benefit percentage, waiting period, and maximum benefit weeks.

Spend to Income Ratio Calculator

Calculate your spend-to-income ratio as an alternative view of your savings rate. Enter spending to see ratio and categorises it against benchmarks.

Term Life vs Whole Life Calculator

Compare term life vs whole life insurance by projecting how the monthly premium difference grows when invested over your coverage period.

Terminal Illness Cover Calculator

Calculate accessible funds during terminal illness from life cover, available savings, and your essential monthly expense level.

Travel Points Value Calculator

Calculate cents-per-point value from a reward redemption against cash price. Enter points used and taxes paid to see cents per point.

Two Income vs One Income Calculator

Compare net benefit of a dual-income household versus single income after childcare, tax, and commute costs for the second earner.

Wealth Building Calculator

Project wealth building from current savings and ongoing contributions, given net worth, monthly contribution, and investment return.

Wealth Percentile Calculator

Estimate your wealth percentile by comparing net worth to median and top-tier thresholds using user-supplied reference values.

Wealth Velocity Calculator

Calculate wealth velocity — projected net worth from current balance, annual savings, years to build, and assumed investment return.