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Independent learning and free calculators. General information, not financial advice.

WORKING WEALTH / AUSTRALIA

A clearer picture.
A financial health check.

Explore cash flow, accessible savings, debt repayments and net worth in one private snapshot.

UNDERSTAND YOUR STARTING POINT

Four indicators. Your numbers.

Take the six-question knowledge quiz ↓

Enter a household snapshot or try the example. Each indicator explains what it measures and links to a lesson. The results describe the entered figures; they do not give a credit score or certify financial wellbeing.

Private by design

Calculations run in your browser. No account, bank connection or automatic saving. Entries are not included in a share link or sent to Working Wealth. Choosing “Use these figures in the budget planner” transfers the displayed amounts within this browser session; the budget page removes the transfer after reading it.

01 · Money in and out

Use the same household throughout. Enter 0 for none. All amounts are AUD.

Take-home income

After tax, including other household cash income.

Income frequency

Frequency for the three regular cost amounts below

Essential living costs

Rent, food, utilities and necessary transport. Exclude debt repayments and annual bills entered below.

Other regular spending

For example leisure and subscriptions. Exclude voluntary savings, investments and transfers.

Debt repayments, including mortgage

All regular loan and credit repayments. Count mortgage payments here once, not in essential costs.

Irregular bills per year

Annual total, regardless of the frequency above. Exclude bills already counted in regular spending.

02 · Accessible buffer

The scenario includes essential costs, debt repayments and all annual bills reserved monthly.

Accessible savings available for a buffer

Exclude cash committed elsewhere, credit limits, investments and super. Offset cash can be included once if available.

Months to explore

An editable scenario, not a sufficient amount for every household.

03 · Optional balance sheet

Complete all three fields for net worth. Leave blank if unknown; enter 0 for none.

Other assets, excluding savings and super

Full estimated property, investments and other asset values. Enter related debt separately.

Super balance

Included in net worth, excluded from accessible emergency savings.

Total outstanding debt

Balances owed, including mortgage, credit cards, personal and student loans. A balance, not a repayment.

Your entries stay in this browser tab.

YOUR SNAPSHOT

Start with what you know.

Use estimates if needed and revisit the figures later. The optional balance sheet can wait. Enter every required amount, using 0 where none applies.

Monthly figures use weekly × 52 ÷ 12, fortnightly × 26 ÷ 12, or yearly ÷ 12. Actual pay and bill dates may differ.

Test your understanding: 6-question quiz

Practise the ideas behind the checker. No financial details are needed. Your score reflects these six answers, not your financial situation. Answers are not saved or sent anywhere.

1. You receive $1,200 take-home pay each week. What is the average monthly income used by this checker?$4,800$5,200$6,000

2. A $1,200 annual bill is not included in your regular costs. How much monthly reserve should appear in this model?$1,200 each month$0 because it is not a monthly bill$100 each month

3. Take-home income is $5,000 and total spending is $4,200 per month. What does the $800 difference describe?A monthly surplus before voluntary savings or investment allocationsProof that the household can safely take on more debtThe household’s total net worth

4. There is $9,000 of accessible savings available for emergencies and $3,000 of monthly buffer costs. What does the checker show?A guarantee that every emergency is coveredThree months of the entered buffer costsA recommendation to invest all savings above $9,000

5. Debt repayments are $500 and take-home income is $5,000 each month. What does the 10% repayment share tell you?Every lender will approve a loanAll debts will be repaid within ten monthsRepayments use 10% of entered take-home income; this is not a universal safe limit

6. Why can positive net worth coexist with a shortage of accessible cash?Net worth can include property and super, which may not be available for immediate spendingPositive net worth means there cannot be any debtAll assets can always be spent immediately without cost or restrictions

What this snapshot can tell you

It shows the arithmetic of your entered household figures. A surplus can coexist with large debt; a positive net worth can include assets you cannot readily access. Monthly averages can hide bill timing, irregular income or interest-rate changes. No single number establishes financial security.

No overall grade, investment recommendation, borrowing approval, tax calculation or retirement assessment is produced. Insurance, legal obligations, benefits, income stability and future needs are outside these figures. The buffer comparison uses your selected months; the debt ratio has no automated good/bad threshold.

Read the explanation and Excel walkthrough → · Follow the learning pathway →

References and review

Sources checked 1 November 2026. This editorial arithmetic tool has not received independent professional financial review. Educational information only, not personal financial, credit or tax advice.