Overview
Net wealth snapshot · Updated in real time
Portfolio Allocation vs Target
Financial Independence Progress
—
years to FI target (age 48–49)
Monthly Cashflow Summary
Debt Paydown Status
Annual Action Roadmap
Portfolio Holdings
Personal + SMSF combined · Add, edit or remove holdings
💡 Target allocation: STRC 25% · SATA 15% · US ETFs 20% · Commercial RE 15% · Bitcoin 10% · Gold 10% · Cash 5%
| Asset | Category | Account | Units | Price | Value | Cost Base | Gain/Loss | %Portfolio | DRIP |
|---|
Target vs Actual Allocation
Cashflow Analysis
Monthly income, expenses, and investment surplus
Income
Fixed Expenses
Child Support & Quarterly Expenses
Investment Contributions
Monthly Summary
Expense Inflation Projection (5% p.a. Sydney CPI)
Debt Tracker
Clear debts to accelerate financial independence
⚠️ Priority: Pay off credit card (A$4,195 high-interest) first, then prepayment liability (A$4,855). Clearing ~A$9,050 frees up significant monthly cashflow.
Add / Update Debt
Total Debt Outstanding
A$0
Est. payoff: —
Monthly Interest Cost
A$0
Cleared = more investable cashflow
| Debt | Type | Original | Current Balance | Rate | Monthly Payment | Payoff In | Progress |
|---|
Amortisation Schedule
SMSF Tracker
Self Managed Super Fund · Concessional contributions & balance growth
SMSF Configuration
SMSF Growth Projection to Age 60
SMSF Holdings (from Portfolio)
Compliance Notes
📋 Commercial Real Estate in SMSF: The SMSF may acquire business real property (incl. boutique hotels/café properties) provided it meets the sole purpose test, is purchased at arm's length, and is leased on commercial terms. Maximum in-house asset rule: related-party assets ≤5% of fund value.
📋 Concessional Cap FY2026–27: A$32,500 p.a. Maximise via salary sacrifice. Unused cap carry-forward available if total super balance <A$500k.
Growth Projections
18-year strategy horizon · Conservative, Base & Optimistic scenarios
Projection Inputs
Settings & Profile
Configure strategy parameters