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.

This income tax calculator provides illustrative estimates based on publicly available Australian tax rate information and user-entered assumptions. It applies simplified representations of income tax rates and may include indicative Medicare levy and Medicare levy surcharge amounts where relevant. The results are estimates only and are intended to help you understand how different income and deduction scenarios may affect approximate take-home pay and effective tax rates. Outputs do not represent official tax calculations and should not be relied on for lodgement or decision-making without professional advice.

Some expenses are commonly associated with income tax deductions under Australian tax law, depending on individual circumstances. This calculator allows users to enter a single total deductions figure to explore how different assumed deduction amounts may affect estimated taxable income outcomes. The treatment of deductions varies and is subject to eligibility rules. The calculator does not assess deductibility or provide tax advice. For guidance specific to your circumstances, consult a qualified tax professional.

Medicare-related amounts shown in this calculator are illustrative estimates based on simplified assumptions and user-entered information. Indicative Medicare levy and Medicare levy surcharge amounts may be displayed where relevant, depending on assumed income levels and health insurance status. Eligibility, thresholds, and rates can vary based on individual circumstances. The calculator does not determine actual obligations or provide tax advice.

Marginal tax rate refers to the tax rate that may apply to an additional dollar of income under a progressive tax system, based on assumed tax brackets. Effective tax rate is an average rate, calculated by dividing estimated total tax by total income. Because income is taxed in tiers, the effective rate is typically lower than the marginal rate. The calculator displays both figures to help users understand how different income levels can affect estimated tax outcomes.

This calculator allows users to explore and compare different repayment and investment scenarios by modelling how changes such as extra repayments or alternative structures may affect estimated loan duration and interest outcomes over time. It presents side-by-side illustrations showing how varying assumptions can influence projected interest costs and loan timelines. All figures are illustrative estimates based on user-entered or hypothetical inputs and are provided for educational purposes only.

Debt recycling is a commonly used financial structuring concept that involves redirecting borrowed funds over time, typically by reducing non-deductible home loan debt and increasing exposure to investment-related borrowing. In general terms, this may involve making additional repayments on a home loan and then separately borrowing funds for investment purposes, subject to lender terms and individual circumstances. This calculator models hypothetical scenarios to illustrate how different assumptions may affect loan balances, interest costs, and cash-flow outcomes over time. Any tax-related figures shown are illustrative only and do not assess deductibility or suitability.

The amount of any additional repayments depends on individual circumstances and preferences. This calculator does not recommend repayment amounts or strategies. It allows users to explore hypothetical scenarios by adjusting extra repayment values to see how different assumptions may affect estimated loan duration and interest outcomes over time. Even relatively small changes can materially alter projected results, which the calculator illustrates for comparison purposes only.

Debt recycling involves a range of potential risks, including investment market volatility, changes in interest rates, and cash-flow pressure associated with ongoing loan obligations. Investment values can fluctuate and outcomes are uncertain. This calculator presents hypothetical illustrations of how different assumptions may affect projected balances and cash-flow outcomes. It does not assess suitability, explain how to implement debt recycling, or guarantee returns. Users should seek independent professional advice before making decisions involving borrowing or investing.

This calculator is based on a set of simplified, hypothetical assumptions to support general scenario modelling. These may include assumed loan structures and ownership status, as well as user-selected or default input values. Where tax or investment-related figures are shown, they are illustrative estimates only, based on simplified representations of publicly available information and hypothetical return assumptions. Default investment rates are provided solely as placeholders and can be adjusted by the user. The calculator does not reflect all real-world variables and does not provide financial, credit, or tax advice.