Every dollar, connected to your freedom date.

These tools use your saved profile — savings, super, age, and freedom number — to show real impact, not generic ranges.

Tool 1

Your tax picture

See exactly what you keep from every dollar you earn.

How often do you get paid?

Your gross income (before tax) Annual salary before any deductions

Gross income—

Income tax—

Low income tax offset (LITO)—

Medicare levy (2%)—

Take-home pay—

Effective tax rate—

Marginal tax rate—

You keep per $100 earned—

Tool 2

Salary sacrifice

Sacrifice pre-tax dollars into super and pay less income tax.

Your gross income

Amount to sacrifice per year This reduces your taxable income and goes into super at 15% tax instead of your marginal rate

Tax saved per year—

Super tax on contribution (15%)—

Net super gain—

Real cost to your take-home—

Concessional cap remaining—

Tool 3

Offset vs invest

Is your offset beating what investing the same money would do?

Your mortgage interest rate (%)

Your offset balance

Your gross income (for tax rate)

—

Offset effective return
(tax-free)

—

Investing after tax
(7% × (1 - marginal rate))

Annual saving from offset—

Annual gain from investing—

Annual difference—

Your AI insight

What this means for you

Pulls together your tax picture, your profile, and your freedom number into one plain-English read.

Reading your numbers...

Based on ATO tax rates. Educational only — not financial advice. Our assumptions →