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Financial

Affordability, debt, savings, cashflow, and comparison calculators.

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Rental ROI, cap rate, cashflow, and renovation return calculators.

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Australian tax estimates, GST set-asides, and BAS cashflow tools.

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Rates, project pricing, utilisation, scope buffers, and deposits.

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Quote estimators for labour, materials, overhead, risk, and GST.

Featured calculators

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Pricing & Margin Decision Calculator

Set a price that protects margin, covers fixed costs, and tests competitor pressure.

Rental Property ROI Calculator

Compare rental yield, cap rate, cashflow, debt service, and cash-on-cash return.

Australian Tax Estimate Calculator

Estimate Australian resident income tax, Medicare levy, PAYG gap, and take-home pay.

Freelance Rate Reality Calculator

Calculate the hourly or day rate needed after tax, expenses, leave, and non-billable time.

Trade Quote Estimator

Build a quote from labour, materials, equipment, overhead, contingency, margin, and GST.

Savings

Emergency Fund Calculator

This calculator replaces generic three-to-six-month rules with a risk-based emergency fund score.

Decision report included

Review the decision summary, key metrics, assumptions, and action items, then create a printable report for a lender, broker, household, or client discussion.

Use the report to document the scenario, explain the tradeoff, and agree on the next action.

Inputs

Enter your scenario.

Decision Summary

Emergency fund score

81/100

Current savings cover about 6.4 months. The ideal risk-adjusted target is $46,915.

Decision index

Healthy
81of 100

Key metric comparison

Minimum fund$35,115
Ideal fund$46,915
Months protected6.4 months
Gap amount$8,915
Monthly savings required$495

Minimum fund

Healthy

$35,115

6.0 months of essential expenses.

Ideal fund

Watch

$46,915

8.0 months based on household risk.

Months protected

Watch

6.4 months

How long current savings can cover essential expenses.

Gap amount

Watch

$8,915

Amount still needed to reach the ideal fund.

Monthly savings required

Healthy

$495

Monthly amount required to close the ideal gap in 1 year 6 months.

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Assumptions

Review the assumptions behind the result.

  • Monthly expenses include essential living costs plus housing and debt payments.
  • Income stability, dependants, job type, and debt level increase the recommended buffer.
  • Monthly savings required assumes a 12-month catch-up period.

How To Use The Result

Turn the output into a practical next step.

  • Use minimum fund as the first milestone and ideal fund as the resilience target.
  • Higher dependants, unstable income, and high debt all justify a bigger buffer.
  • Export the report if you are setting a household savings target.

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