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Private encrypted dashboard
Unlock Our Home Plan
Use Apple Passwords or Google Password Manager so Face ID or fingerprint can fill the dashboard passcode.
Your passcode is used only on this device to decrypt the published Excel data.
Checking
Updated —
Actual data is read-only
Household financial command centre
Where you stand today
Separate protected reserve
Emergency fund
—of —
Remaining—
Expense cover—
Forecast complete—
Excludes emergency reserve
House purchase cash
—of —
Remaining—
Target date—
Forecast ready—
Goal forecast
Current plan toward both cash goals
Automatic observations
What needs attention
Latest month
Performance snapshot
Actual monthly history
Income, spending and saving
Monthly result
Income vs expense vs saving
Balance movement
Cash, debt and net liquid
Income sources
Jord, Mills, bonus, DFO and extras
Two independent goals
Emergency reserve and house purchase
Readiness forecast
House fund after protecting the emergency reserve
Purchase assumptions
Cash requirement
Mortgage planning
Principal and repayment
Jord salaryAnnual gross · range $65k–$175k
No changeCurrent—
$65k$175k
Mills salaryAnnual gross · range $65k–$175k
No changeCurrent—
$65k$175k
DFO incomeAnnual gross · range $0–$75k
No changeCurrent—
$0$75k
Annual bonusAnnual gross · range $0–$75k
No changeCurrent—
$0$75k
Extra incomeAnnual gross · range $0–$75k
No changeCurrent—
$0$75k
Core living expensesMajor assumption · monthly
No changeCurrent—
$3k$10k
Where new savings go
Goal allocation priority
Live forecast
Current plan vs new scenario
Side-by-side impact
Current and new scenario
| Measure | Current | New | Change |
|---|
Returns every New value to Current, resets sliders and clears the saved scenario on this device.
Debt reduction
Car-loan position and payoff
Actual history
Car-loan balance reduction
Planning note
How the car loan affects the house plan
The current monthly saving capacity already includes the configured car repayments and fee. The What-If page changes only major income and living-cost assumptions; it keeps the published car-loan plan unchanged.
Published actuals
Monthly history and major-expense notes
| Month | Income | Expense | Saving | Net liquid | Car loan | Status | Rate |
|---|
Explanations from Excel
Month notes and major expenses
Trust and maintenance
Data quality and app status
Calculation assumptions
What the interactive forecast uses
- Excel remains the source of truth for balances, actual income, expenses, house assumptions and car-loan data.
- Salary simulations estimate 2026–27 Australian resident income tax plus a 2% Medicare levy.
- The estimate excludes tax offsets, HELP debt, Medicare levy surcharge, deductions, salary packaging and superannuation.
- The new monthly forecast is anchored to the published Excel net income and applies only the estimated after-tax change.
- The $25,000 emergency fund is separate and is never counted toward the $120,000 house cash target.
Device-only information
Clear temporary app settings
This removes saved what-if inputs, date filters and appearance preferences from this browser. It does not change Excel or Cloudflare data.