It's not your spending. It's cash in the wrong account, super fees you've never checked, and a mortgage rate your bank hopes you'll never compare.
Let's find your number.
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Built for Australian tax law
2025–26 ATO tax brackets (Stage 3), $30k concessional cap, $54,435 HECS threshold, Age Pension means testing, MLS at $97k/$194k, SAPTO, LITO, and franking credits — all cross-referenced.
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These aren't tips from a blog post. They're specific dollar amounts calculated from your actual numbers against current ATO and APRA rules.
Cash sitting idle
$50k sitting in a Big Four transaction account at 1.0% while your mortgage charges 6.5% costs you $3,250 a year in lost offset interest — compounding daily.
Duplicate accounts + high fees
The average retail fund charges 1.4% in fees. The best industry funds charge 0.6%. That 0.8% gap, compounded on a $110k balance over 30 years, costs $137,000 in lost retirement savings.
Your bank's quiet surcharge
Your bank's average variable rate is 6.27%. The best available rate is 5.99%. On a $500k loan, that "loyalty" costs $1,400 a year — $42,000 over a 30-year term.
Unused salary sacrifice room
The ATO's concessional cap is $30,000/yr, taxed at 15% inside super. At $90k income, your employer contributes $10,800 in SG — leaving $19,200 in unused cap. Sacrificing even $5,000 of that saves $750 in tax.
All figures derived from ATO, APRA, and RBA published thresholds (FY 2025–26). See footnotes for sources. AssetGuide checks 41 rules across tax, super, debt, and housing — against your actual numbers.
Three steps. No spreadsheets. No financial jargon.
Your salary, super balance, and any debts. You can skip anything you don't know.
41 rules checked: Stage 3 tax brackets, $30k concessional cap, 5-year carry-forward, HECS rates, MLS, LITO, SAPTO, Age Pension means tests, FHSS, stamp duty (all 8 states) — cross-referenced against your profile.
The specific dollar amount you're losing — with step-by-step actions to fix each one. No vague tips.
No other Australian tool connects your tax brackets, super, HECS, mortgage, and pension in a single model.
Fictional example · Renting in Melbourne · $38k HECS debt · Saving for a house deposit
AssetGuide flagged these for her profile:
$1,575/yr tax saving from salary sacrifice — her $98k puts her in the 30% bracket4, but super contributions are taxed at just 15%. This saving recurs every year she contributes.
MLS alert — earning $98k without hospital cover triggers a $970/yr surcharge5. Basic cover from ~$900/yr eliminates it (net saving: ~$70/yr)
HECS insight — she's making $1,200/yr in voluntary repayments, but indexation is capped at 3.2%6 while a HISA earns 5%+. Redirecting that cash grows her deposit faster.
FHSS strategy — the First Home Super Saver scheme7 lets her save for a deposit inside super at 15% tax. A temporary boost, not a recurring saving — but it could accelerate her timeline by ~8 months.
Recurring annual saving
$1,645/yr
Projected super impact over 38 years8
+$155,000
The $1,575/yr salary sacrifice saving compounds inside super at 7.2% nominal return. The MLS and HECS items improve cash flow but don't compound the same way.
Fictional profile for illustration only. Individual results depend on your income, super balance, debts, and goals. Not personal financial advice.
Your year-by-year financial projection — with every Australian rule built in.
Example data only — not representative of any real person.
Net worth
$2.84M
↑ on track
Retire at
Age 55
8 years away
Retirement income
$94k/yr
ASFA comfortable ✓
Money leaks found
$14,340/yr
3 actions available
41 rules across tax, super, debt, housing, and retirement — calculated in dollars, not percentages.
Money sitting in a transaction account instead of an offset or HISA — earning nothing while your mortgage compounds
$3,250–$5,0001Wrong fund, duplicate accounts, or unused concessional cap headroom eroding your balance
$137k over 30yr2Earning over $97,000 (single) or $194,000 (family) without private hospital cover triggers a 1.0%–1.5% surcharge on top of the 2% Medicare Levy
$970–$2,2655Your bank charges existing customers more than new ones. Switching or renegotiating closes the gap
$1,400/yr avg3HECS indexation is capped at WPI (3.2% in 2025). If your savings earn more than 3.2%, voluntary repayments destroy value — that money works harder elsewhere
Varies6Multiple super funds often means duplicate life and TPD insurance — paying twice for the same cover
$500–$1,500The $30,000 concessional cap lets you redirect pre-tax income into super at 15% instead of your marginal rate (30%–45%). Unused portions carry forward up to 5 years
$750–$4,5004It's free, online, and the number might surprise you.
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1 Idle cash: $50k at spread between average home loan rate (6.5%, RBA Lending Indicators F5) and Big Four base savings rate (1.0%, Canstar). Offset account equivalence assumes daily balance reduction.
2 Super fee drag: APRA MySuper Product Heatmap (2024). Retail fund average 1.4% vs low-cost industry benchmark 0.6%. Compounded over 30 years on median super balance by age (APRA Statistics).
3 Mortgage loyalty premium: RBA Housing Lending Rates (F6 table). Average existing customer variable rate 6.27% vs best-in-market 5.99% (Canstar, March 2025). Based on $500k loan.
4 Concessional cap: ATO, Superannuation contributions caps (2025–26). Cap is $30,000. SG rate is 12%. Tax saving = amount sacrificed × (marginal rate − 15%). Carry-forward: ATO, unused concessional contributions (requires TSB under $500,000, up to 5 years).
5 Medicare Levy Surcharge: ATO, MLS income thresholds (2024–25). Singles: $97,001+. Families: $194,001+. Tier 1 rate: 1.0%.
6 HECS-HELP indexation: ATO, Study and training support loans (2025). Indexation capped at lower of CPI and WPI (3.2% applied June 2025).
7 First Home Super Saver Scheme: ATO, FHSS (2025–26). Annual voluntary contribution cap: $15,000. Lifetime cap: $50,000. Contributions taxed at 15% inside super.
8 Compounding: $1,575/yr salary sacrifice tax saving retained inside super at 7.2% nominal return (ASX 200 long-run average) for 38 years (age 29 to 67). FV of annuity = $1,575 × ((1.07238 − 1) / 0.072) ≈ $155,000. Does not include MLS or HECS items, which are cash flow improvements that don't compound the same way.
9 Average financial advice fee: Adviser Ratings Australian Financial Advice Landscape (2024). Median ongoing annual fee for advised clients.
10 Financial adviser usage: ASIC, Financial Advice: What Consumers Really Think (2019, updated 2022). Approximately 10–12% of Australians currently use a financial adviser.
* How we estimate $5,000+/yr: This is a composite of three independently documented leaks affecting most working Australians with a mortgage and super: (1) super fee drag ~$2,500/yr (Productivity Commission, Superannuation: Assessing Efficiency and Competitiveness, 2018 — finding that a 0.5% fee difference costs a typical worker ~$100,000 by retirement); (2) mortgage loyalty premium ~$1,600/yr (RBA, Housing Lending Rates table F6 — spread between existing and new customer rates on a $500k loan); (3) unused concessional super cap ~$1,500/yr (ATO, 2025–26 — tax saving from salary sacrifice at 30% marginal vs 15% contributions rate). Individual results vary — your actual number could be higher or lower. AssetGuide provides general information based on current Australian tax law, not personal financial advice.