Frequently Asked Questions

We offer a free tier with limited functionality, plus several paid subscription tiers with additional features. Each tier builds upon the previous one, giving you access to more advanced features as you upgrade.

Our free tier includes basic functionality to get you started. You can add up to 10 stocks to a watchlist and set an alert for each one. It's perfect for hobbyists or anyone looking to explore the service before committing to a paid plan.

Yes, you can upgrade or downgrade your subscription at any time. When upgrading, you'll get immediate access to new features. If you choose to downgrade, your current plan will remain active until the end of your billing period, and the new plan will take effect after that. If you need help finding the best plan for your needs, we're happy to assist.

You can cancel your subscription at any time, and your access to paid features will continue until the end of your billing period. After that, your account will automatically transition to the free tier, so you can still access basic features. If you have any concerns or need assistance, our support team is here to help.

You can upgrade your subscription at any time from the plans page. Simply select the plan that best fits your needs, confirm the change, and you'll immediately gain access to the new features. If you need guidance on choosing a plan, we're happy to assist.

With annual billing, you pay for 12 months upfront and receive a discount compared to monthly billing. Your subscription will automatically renew after 12 months unless you choose to cancel before the renewal date.

We don't offer refunds for subscription payments, but you can cancel anytime, and your access will remain active until the end of your current billing cycle. If you have any questions about your plan or need assistance, feel free to reach out—we're happy to help.

Our income tax calculator uses the current Australian tax brackets and rates to calculate your tax liability. It includes Medicare levy (2% of taxable income) and the Medicare levy surcharge if you don't have private health insurance. The calculator shows your take-home pay, effective tax rate, and marginal tax rate based on your gross income and deductions.

Common tax deductions include work-related expenses, professional development costs, home office expenses, and charitable donations. The income tax calculator allows you to input your total deductions, which reduces your taxable income and therefore your tax liability. Always consult with a qualified tax professional for specific advice about your deductions.

Medicare levy is 2% of your taxable income and applies to most Australian residents. If you don't have private health insurance and earn above certain thresholds ($97,000 for singles, $194,000 for families), you may also pay the Medicare levy surcharge (1-1.5% additional). The calculator automatically includes these calculations based on your income and health insurance status.

Your marginal tax rate is the rate you pay on your next dollar of income (the highest bracket you're in). Your effective tax rate is the average rate you pay on your total income. For example, if you earn $80,000, your marginal rate might be 32.5% but your effective rate could be around 20% due to the progressive tax system. The calculator shows both rates to help you understand your tax position.

Our mortgage calculator compares different strategies to help you pay off your loan faster and save on interest. It shows the impact of extra repayments versus debt recycling, calculates interest savings, and demonstrates how small additional payments can significantly reduce your loan term. The calculator uses current Australian tax rates and realistic investment returns to provide accurate comparisons.

Debt recycling is a strategy where you pay extra money into your mortgage, then immediately redraw that same amount to invest in shares or other investments. This creates tax-deductible debt while building an investment portfolio. The calculator shows how this strategy can potentially save you more than simple extra repayments, especially for higher-income earners who can claim the investment interest as a tax deduction.

The amount depends on your financial situation, but even small extra payments can have a significant impact. For example, adding just $50 extra per week to a $500,000 mortgage at 5.79% could save over $100,000 in interest and cut 5+ years off your loan term. The calculator helps you see the exact impact of different extra payment amounts and frequencies on your specific loan.

Debt recycling involves investment risk - your investments could lose value, and you're still responsible for the mortgage payments. You need a mortgage with a redraw facility (not an offset account) and should only invest money you can afford to lose. The calculator shows potential returns but doesn't guarantee them. Always seek professional financial advice before implementing debt recycling strategies.

The calculator assumes a Principal Place of Residence (PPR) and Principal and Interest (PI) loan type. It uses current Australian tax rates and realistic investment returns to provide accurate comparisons. The investment rate defaults to 8% based on historical ASX performance, but you can adjust this to match your expected returns. All calculations are for educational purposes and should not be considered as financial advice