Model your financial future, free and private
Build a lifetime plan across income, expenses, property, super, ETFs and debt recycling. See your cash flow and net worth month by month, to any age, using Australian tax and super rules. No sign-up and no personal details needed. Saved in your browser unless you sign in to sync.
General information only, not financial advice.
No sign-up, no personal details
We never ask for your name, email, phone number or address to use the planner.
Saved in your browser unless you sign in to sync
Everything you enter is saved in your browser, not on our servers, unless you sign in to sync.
AI only when you ask
Press an AI button and only the figures it needs are sent, with nothing that identifies you. They are not stored.
A free account is optional and only needed to sync plans across devices. How we handle data
Guides
- Super co-contribution 2026–27: how much the government adds at your income
- How much super do you need to retire in Australia? ASFA budgets and the Age Pension
- Negative gearing explained with numbers: 2026–27 and the July 2027 changes
- Rentvesting explained: renting where you live and owning an investment property
Calculators
All calculators →How MyFinancialFuture works
Enter your household's income, expenses and investments, add strategies like an investment property, salary sacrifice or debt recycling, and the engine projects your month-by-month cash flow and net worth, in both today's dollars and future dollars, for as far ahead as you like. Everything is calculated transparently from your inputs and stated assumptions.
Frequently asked questions
What is MyFinancialFuture?
A free tool for everyday Australians to build a lifetime financial plan across income, expenses, property, superannuation, ETFs and debt recycling, and see a month-by-month cash-flow and net-worth projection to any age you choose.
Is it really free?
Yes. Every feature is free, including scenarios, budgets and exports, with no account required.
What personal information do you need from me?
None that identifies you. There is no sign-up, and we never ask for your name, email, phone number or address to use the planner. The figures you enter, like income, savings and your month and year of birth, are saved in your browser on this device, not on our servers, unless you choose to sign in to sync. If you press an AI button, only the figures that feature needs are sent, with nothing that identifies you, and they are not stored. We count anonymous page visits to see which pages get used.
Do I need to create an account?
No. You can build a full plan anonymously. It is stored privately in your browser. Creating a free account simply lets you save and sync across devices.
Is this financial advice?
No. MyFinancialFuture provides general financial information only, based on the figures and assumptions you enter. It does not provide personal financial advice and never recommends specific products. Consider speaking with a licensed financial adviser before making decisions.
What can I model?
Salary and other income, household expenses, owner-occupied and investment property (with stamp duty, loan amortisation and rental analysis), superannuation strategies, ETF investing and debt recycling, retirement drawdown, and what-if scenarios.