Our Home Plan

Household financial command centre

Where you stand today

Net liquid—Cash less short-term debt

Emergency reserve—Target $25,000

House fund available—Excludes emergency reserve

Monthly saving capacity—Published Excel plan

Combined cash objective—House goal plus emergency fund

Required monthly saving—To target date

Projected total at target—Excel House Plan forecast

Combined projected gap—Gap to emergency + house objective

Car-loan balance—Estimated payoff —

Mortgage estimate—Monthly repayment —

Separate protected reserve

Emergency fund

Building

—of —

Remaining—

Expense cover—

Forecast complete—

Excludes emergency reserve

House purchase cash

Building

—of —

Remaining—

Target date—

Forecast ready—

Goal forecast

Current plan toward both cash goals

Emergency-first allocation

Automatic observations

What needs attention

Latest month

Performance snapshot

Actual monthly history

Income, spending and saving

Average income—Selected period

Average expense—Balance-based calculation

Average saving—Income less calculated expense

Average savings rate—Selected period

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

Property target—Published Excel assumption

House cash required—Deposit, costs and buffer

Emergency target—Unexpected situations only

Combined objective—Not one merged fund

Readiness forecast

House fund after protecting the emergency reserve

Purchase assumptions

Cash requirement

Mortgage planning

Principal and repayment

Current comparison baseline

Latest ATO household gross income: —

Latest ATO household gross baseline

Current Jord published net — Current Mills published net —

Enter a value or use the slider Tap the New amount box, type the full value, then tap APPLY or the keyboard Done/Enter key. The slider remains available for quick changes.

Jord salaryEstimated current gross from ATO baseline · New range $65k–$175k

No change

Current—

New — type annual amount

$

$65k$175k

Mills salaryEstimated current gross from ATO baseline · New range $65k–$175k

No change

Current—

New — type annual amount

$

$65k$175k

DFO incomeAnnual net · range $0–$75k

No change

Current—

New — type annual amount

$

$0$75k

Annual bonusAnnual net · range $0–$75k

No change

Current—

New — type annual amount

$

$0$75k

Extra incomeAnnual net · range $0–$75k

No change

Current—

New — type annual amount

$

$0$75k

Core living expensesMajor assumption · monthly

No change

Current—

New — type monthly amount

$

$3k$10k

Where new savings go

Goal allocation priority

New monthly net——

New saving capacity——

Emergency fund complete——

Both goals ready——

Fund at target date——

Borrowing proxy—DTI planning estimate

Live forecast

Current plan vs new scenario

Updates from typed values or sliders

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

Current balance—Latest published amount

Balance as at—Actual balance snapshot date

Next payment—Scheduled repayment date

Fortnightly repayment—Current plan

Interest rate—Fixed annual rate

Estimated payoff—Workbook estimate

Remaining interest—From Excel Car_Loan

Remaining fees—Monthly account fees to payoff

Remaining repayments—Fortnightly repayments

Total remaining cash—Principal + interest + fees

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. V10H uses the actual balance date and next-payment date, so the first period from 31-Jul-2026 to 07-Aug-2026 is a 7-day interest period. The What-If page 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

V10H automated ledger

Tracking, pay, super and integrity

System version—Installed Excel tracking system

Opening baseline—Balances only; no July income analysis

Tracking starts—Automatic income and super

First analytical month—First complete month-to-month result

Active month-end—Current controlled month in Excel

Last closed month—Latest completed actual month

V10H integrity—All hard checks must pass

AustralianSuper

Paulose

Actual balance—

Actual + expected contributions—

AustralianSuper

Rechu

Actual balance—

Actual + expected contributions—

Household super

Combined

Actual balance—

Actual + expected contributions—

Current regular pay

Jord and Mills profiles

Employer	Person	Effective	Frequency	Gross	PAYG	Net	Super

Generated and manual income

Recent transactions

Date	Person	Source	Type	Gross	PAYG	Net	Super

Hard validation

V10H checks

Above regular repayment

Extra car payments

Date	Extra amount	Actual balance	Schedule

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.
The phone app is read-only for published actuals. What-If changes are stored only on the device and never write back to Excel.
Salary simulations estimate 2026–27 Australian resident income tax plus a 2% Medicare levy; actual V10H PAYG comes directly from the Excel transaction ledger.
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.

Our Home Plan

Unlock Our Home Plan

History, tracking and system

Where you stand today

Opening baseline pending

Emergency fund

House purchase cash

Current plan toward both cash goals

What needs attention

Performance snapshot

Income, spending and saving

Income vs expense vs saving

Cash, debt and net liquid

Jord, Mills, bonus, DFO and extras

Emergency reserve and house purchase

House fund after protecting the emergency reserve

Cash requirement

Principal and repayment

Change major incomes and see the goal impact instantly

Latest ATO household gross income: —

Goal allocation priority

Current plan vs new scenario

Current and new scenario

Car-loan position and payoff

Car-loan balance reduction

How the car loan affects the house plan

Monthly history and major-expense notes

Month notes and major expenses

Tracking, pay, super and integrity

Paulose

Rechu

Combined

Jord and Mills profiles

Recent transactions

V10H checks

Extra car payments

Data quality and app status

What the interactive forecast uses

Clear temporary app settings