Australia’s most detailed retirement & wealth simulator
Year-by-year projections with every Australian tax rule built in — super, property, HECS, salary sacrifice, CGT reform, novated leasing, and more. Not estimates. Actual numbers, year by year.
See your financial future,
year by year.
Every Australian tax rule built in — super, property, HECS, salary sacrifice, CGT reform, novated leasing, and more. Not estimates. Actual numbers.
No credit card required · 7 days free · then $12/mo or $99/yr
What you get
Your complete financial picture, in one place
From today’s net worth snapshot to a 30-year projection — every number connected, every Australian rule applied.
Where you are right now
Not just where you'll end up — Actuals gives you a live snapshot of your complete financial position. Net worth, liquidity, debt, income, expenses and monthly surplus, all derived from your Household data and updated automatically when you save.
Every variable, captured
From basics like age and income to complexities like HECS/HELP debt, salary sacrifice, part-time changes, detailed expenses and surplus distribution strategies — the Household Profile holds everything the simulation needs to be precise.
Visualise your cashflows
See exactly where every dollar goes. Salary, investment income and property proceeds on the left; tax, living expenses, mortgage repayments and savings on the right. Year-by-year, as your financial picture evolves.
Live share prices, no manual updates
Track your total portfolio through a live feed of listed securities. ASX prices refresh automatically so your net worth and projection always reflect what your holdings are actually worth today.
Built for Australians
Every rule. Every year. Fully modelled.
Most tools use rough estimates. WealthSpan applies the actual ATO rules — legislated and draft — year by year for each household.
Superannuation — every rule, every year
- ✓Salary sacrifice & employer SG contributions
- ✓Novated leasing: pre-tax vehicle payments
- ✓Concessional cap ($30k → $32.5k from FY2027)
- ✓Non-concessional cap ($120k → $130k)
- ✓Division 293 — 15% extra tax above $250k income
- ✓Division 296 — new 15% tax on $3M+ balances (FY2027)
- ✓Preservation age unlock at 60, full access at 65
- ✓Super drawdown strategy in retirement
Property — the full picture
- ✓Offset accounts reduce mortgage interest daily
- ✓P&I and interest-only loans
- ✓Rental income, body corporate, land tax
- ✓Negative gearing deductions (current rules)
- ✓CGT: 50% discount pre-2027 + hybrid CPI reform
- ✓PPOR main residence exemption on sale
- ✓Multiple properties tracked independently
- ✓Stamp duty and growth rate assumptions
Tax — precise, year-aware calculations
- ✓Stage 3 tax cuts (16% → 15% → 14% across FY2026–28)
- ✓Medicare levy (2%), low-income offsets
- ✓HECS/HELP: old band system + new 15% marginal system
- ✓Franking credit refunds on Australian shares
- ✓Investment bond tax-deferred growth (10-year rule)
- ✓Budget 2026-27 draft legislation toggles
- ✓CGT reform calculator (CPI indexation from 2027)
- ✓Separate tax modelling per person in a couple
Investments & retirement planning
- ✓Shares & ETFs with live price feed (Yahoo Finance)
- ✓Treasury bonds, commodities, other assets
- ✓Year-by-year CGT summary for current financial year
- ✓Configurable drawdown order (cash → shares → super)
- ✓Configurable surplus routing (pay off mortgage → invest)
- ✓Real vs nominal (inflation-adjusted) projections
- ✓Cashflow Sankey diagram — see where money flows
- ✓Projects year by year from now to age 95+
Simple to start
Your retirement picture in three steps
Enter your household
Income, super, property, debts, expenses, shares. Both partners supported. Import nothing — full control.
See the projection
Year-by-year simulation applies every Australian tax rule automatically. Net worth, cashflow, tax — all connected.
Compare and decide
Run multiple scenarios. Retire earlier, buy another property, salary sacrifice more. See the real impact.
2026-27 Budget Calculators
Free · No signupQuick answers on the budget changes that affect your pocket. No account needed.
Tax Cuts Calculator
How much do you save with the new 15% and 14% income tax brackets?
Calculate →
HECS Repayment Calculator
Old percentage bands vs. the new 15% marginal system — who benefits?
Calculate →
Negative Gearing Analyser
Is your investment property still worth it if rental losses can't offset salary?
Calculate →
CGT Reform Calculator
50% discount vs. CPI-indexed cost base — which method is better for your assets?
Calculate →
Want to see how these changes fit your full 30-year financial picture?
Try the full simulator →Pricing
Start free. No card required.
7 days full access, then choose a plan. Cancel any time.
Monthly
Billed monthly · cancel any time
Start free trial →- ✓Year-by-year projections to age 95+
- ✓Super: salary sacrifice, novated lease, Div 293 & 296
- ✓Property: offset, negative gearing, CGT, PPOR
- ✓Stage 3 tax cuts + Budget 2026-27 reform modelling
- ✓HECS/HELP new & old repayment systems
- ✓Live share prices (Yahoo Finance)
- ✓Multiple scenarios — compare side by side
- ✓Real vs nominal (inflation-adjusted) projections
- ✓Cashflow Sankey diagram
- ✓Current position (Actuals) dashboard
- ✓Light & dark mode, installable app (PWA)
- ✓Secure cloud storage — access from any device
Annual
$8.25/month · billed annually
Start free trial →- ✓Year-by-year projections to age 95+
- ✓Super: salary sacrifice, novated lease, Div 293 & 296
- ✓Property: offset, negative gearing, CGT, PPOR
- ✓Stage 3 tax cuts + Budget 2026-27 reform modelling
- ✓HECS/HELP new & old repayment systems
- ✓Live share prices (Yahoo Finance)
- ✓Multiple scenarios — compare side by side
- ✓Real vs nominal (inflation-adjusted) projections
- ✓Cashflow Sankey diagram
- ✓Current position (Actuals) dashboard
- ✓Light & dark mode, installable app (PWA)
- ✓Secure cloud storage — access from any device
Just want the budget calculators? They’re always free — no account needed.
Frequently asked questions
What does the 7-day free trial include?
Full access to everything — no feature limits, no credit card required to start. At the end of 7 days, you'll need a subscription to continue. Your data is saved and ready when you pick up a plan.
How is this different from a generic budget app or spreadsheet?
WealthSpan models the full complexity of the Australian tax and super system — Division 296, CGT hybrid rules, HECS marginal system, franking credits, salary sacrifice, novated leasing, offset accounts. A spreadsheet requires you to build and maintain all that logic yourself. This is purpose-built and updated for each Federal Budget.
Is my financial data safe?
Yes. Your data is stored in your own secure Supabase account, encrypted at rest. We never sell or share your data. You can export or delete your scenarios at any time.
Can I model both partners in a couple?
Yes — the Household Profile supports two people with separate incomes, super balances, HECS debts, salary sacrifice settings, and tax calculations. The simulation combines them for joint property, expenses, and net worth.
Does it give financial advice?
No. WealthSpan is a modelling tool — it shows you projections based on your inputs and assumptions. It doesn't recommend what to do. For personalised financial advice, consult a licensed financial adviser.
Can I cancel my subscription?
Yes, any time. Cancel before your next billing date and you won't be charged again. Your data is retained for 12 months after cancellation in case you return.
Know your numbers. Plan your future.
Australia’s tax rules are complex. Your retirement deserves a simulator that handles all of them — not a spreadsheet estimate.
Start 7-day free trial — no card requiredThen $12/month or $99/year · Cancel any time