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Most Australians earn well but still struggle to build wealth. Your Financial Fitness Score measures how effectively your income is being used to create long-term financial security.
1 in 2 Australians
suffer from at least one chronic condition
Government disability
support is under $31,000
per year for an individual
Average trauma
insurance claim
is $100,000+
Calculate your total financial obligations — debts, income replacement years, dependant costs, and funeral expenses — to arrive at a total cover figure. life-insurance-needs-worksheetDownload
Calculate how many months of expenses you have covered. Shows standard 3-month and 6-month benchmarks for comparison. emergency-fund-calculatorDownload
Enter your income, fixed expenses, and variable expenses to calculate your monthly surplus or deficit. Includes a savings rate tracker and breakdown by category. monthly-cashflow-plannerDownload
A spreadsheet to record assets (home, super, investments, savings) and liabilities (mortgage, loans, credit cards) and calculate your net worth month by month. net-worth-trackerDownload
An educational overview of the four commonly recognised stages of wealth building: protection, debt reduction, accumulation, and legacy — including key concepts and terms at
Plain-English summary of ATO-mandated SMSF trustee duties: annual audit requirements, investment strategy obligations, contribution rules, and reporting deadlines. If you’re weighing up whether an SMSF
