🇦🇺 Built for Australia

Build the life
you came here for.

One dashboard that tracks every dollar — income, debt, super, investments, and the date you reach financial freedom. No subscriptions. No bank access. Yours forever.

Get Finvera — $29 → See it in action ↓
🔒 No bank login required
📱 Works offline
💾 Data stays on your device
🇦🇺 Australian tax & super
finvera.html
Dashboard
Net worth
Monthly tracker
Wage log
Expenses
Debt tracker
Super
Tax estimate
Good morning, Alex.
Net worth: $47,200 Freedom: March 2041
Financial freedom date
March 2041
14 years, 9 months from today
22%
of $1,000,000
74
Health score
Grade B+ — Good
Savings rate 28% · Super on track · Next: reduce debt faster
Savings rate
Debt load
Super health
Monthly surplus
+$1,240
Net worth
$47,200
18
Financial tools
0
Bank logins needed
100%
Private — your device only
1
File. No install needed
Built for every Australian worker

Your income is unique.
Your dashboard should be too.

Whether you earn a salary, pick up shifts, work contracts or run gigs — Finvera adapts to how you actually earn money.

👨‍🍳
Casual workers
Log every shift. Track your real average. Pay yourself a consistent weekly salary even when income varies — the buffer strategy built for you.
💼
Salary earners
Set up your budget once and let Finvera track everything automatically. Know exactly where every dollar goes each month.
📋
Contract workers
Irregular income, tax planning and cash flow management — designed for Australians who don't have a guaranteed monthly wage.
🌏
New to Australia
Learn super, understand Australian tax brackets, and plan your financial future — all explained in plain English, no jargon.
Live app preview

See exactly what you're getting.

Every screen below is the real Finvera interface — built for Australian workers who are serious about their money.

finvera.html — Financial Dashboard
Overview
📊Dashboard
📈Net worth
Income
📅Monthly tracker
💵Wage log
Budget
🧾Expenses
💧Cash flow
Grow
💳Debt tracker
🛡️Super
📋Tax estimate
Alex
Target: $1,000,000
Good morning, Alex.
Net worth: $47,200 Freedom: March 2041
74
Health score
Grade B+ — Good
Savings rate strong · Super on track · Focus: reduce high-interest debt to unlock your next grade.
Savings rate
Debt load
Super health
Financial freedom date
March 2041
14 years, 9 months from today
22%
$220k of $1M
On track
Net worth
$47,200
assets − liabilities
Monthly surplus
+$1,240
after all expenses
Savings rate
28%
above ABS average
Total debt
$8,500
payoff: Dec 2026
Next best action
Increase your savings rate from 28% to 30% by cutting variable spending by $50/week. This single change moves your freedom date 14 months earlier — to January 2040.
52-week income — weekly view
Weekly avg
$1,340
Best week
$1,780
Your salary
$1,100
Buffer strategy — your recommended salary
$1,100 /week
Pay yourself this every week regardless of hours. Buffer the rest.
Good week — $1,780
$440 above average this week.
→ Transfer $440 to your buffer account now.
Slow week — under $900
Draw from your buffer account.
→ Stick to your $1,100 salary anyway.
Year to date — 2026
$3,560 saved
Savings rate
26%
JAN ✓
+$820
FEB ✓
+$1,140
MAR ✓
+$660
APR ★
+$940
MAY
—
JUN
—
JUL
—
AUG
—
SEP
—
OCT
—
NOV
—
DEC
—
Month close — April
Income $4,800 · Expenses $3,860 · Surplus +$940
Lock April to protect this record and update your freedom date.
Total debt
$11,600
Interest saved (avalanche)
$1,840
Credit Card — CommBank
Linked to budget
Balance: $3,200 Rate: 20% p.a. Payment: $400/mo
42% paid downPayoff: Dec 2026
Personal Loan — ANZ
Auto-tracking
Balance: $8,400 Rate: 9.5% p.a. Payment: $480/mo
62% paid downPayoff: Mar 2028
Avalanche method active
Attacking the CommBank card first (20% rate). Once paid, redirecting $400/mo to the ANZ loan — saves $1,840 in interest and pays off 8 months earlier.
Australian income tax estimate
FY 2024–25
Take-home pay
$58,103 / year
= $1,117 per week
On $75,000
22.5% effective
Annual income$75,000
Income tax−$15,397
Medicare levy (2%)−$1,500
Total tax$16,897
Tax bands applied
$0 – $18,200 (0%)
$0
$18,201 – $45,000 (16%)
$4,288
$45,001 – $75,000 (30%)
$9,000
Tax tip — voluntary super
You're in the 30% bracket. Every $100 into super is taxed at 15% instead of 30%. On $2,400/year in voluntary contributions, you'd save $360 in tax.
18 tools in one file

Everything you need.
Nothing you don't.

No subscription. No separate apps. Every financial tool an Australian needs, built into one beautiful dashboard.

📊
Dashboard
Health score, freedom date, net worth and next best action
📈
Net worth tracker
Assets vs liabilities with monthly history chart
📅
Monthly tracker
12-month income and spending with auto-fill
💵
Wage log
52-week income history with average and trend analysis
🧮
Casual strategy
Buffer account, weekly salary and good/slow week guides
⚡
Irregular expenses
Rego, vet, Christmas — broken into weekly savings
🧾
Expense tracker
Fixed bills auto-generated, manual entries, category donut
🔐
Month close
Lock months, review actuals, year overview chart
💧
Cash flow
Week-by-week cash flow to spot bill clusters before they hit
💰
Budget builder
Income, fixed and variable costs with monthly surplus
💳
Debt tracker
Auto-tracking balances, payoff calculator, avalanche method
🛡️
Superannuation
Balance, employer contributions and projection to age 67
📉
Investments
ETF portfolio, cost vs value, unrealised gains
🎯
Goals & allocation
Financial goals with monthly surplus split across buckets
🔮
Scenario planner
What-if comparison — save more, higher returns, earlier goal
📋
Tax estimate
Australian tax bands, Medicare levy, take-home pay
🇦🇺
AU benchmarks
Compare your savings rate, super and debt to ABS averages
📖
Glossary
Every financial term explained in plain Australian English
Your data, your device

Private by design.
Not by policy.

We built Finvera so that no one — including us — can ever see your financial data. That's not a feature. That's an architecture decision.

🔒
No bank connections
Finvera never connects to your bank. You enter your own numbers. No open banking, no credentials, no risk of data breach.
💾
Local storage only
Your data is saved in your browser's local storage. It never leaves your device. No server, no cloud, no third party ever sees it.
📤
Export & own your data
Export your data as a JSON file anytime. Import it back into any future version of Finvera. You own it forever — not us.
What Australians are saying

Real people.
Real financial progress.

★★★★★
"I'm a casual hospitality worker and I've never been able to budget properly because my income is different every week. The buffer strategy in Finvera completely changed how I manage money. I finally feel in control."
PRIYA M.
Casual hospitality worker · Melbourne
★★★★★
"I moved from Brazil two years ago and had no idea how super worked or what I should be doing with my money. Finvera explained everything and now I have a real plan. The glossary alone is worth it."
CARLOS R.
Contract engineer · Sydney
★★★★★
"My wife and I used to fight about money because we had no visibility. Now we open Finvera every Sunday, log the week, and our financial freedom date is actually moving forward. 8 years ahead of where we started."
JAMES & KELLY T.
Salary earners · Brisbane
Simple pricing

One price.
Yours forever.

No monthly fees. No subscription. Pay once, use Finvera for life — including every future update.

Lifetime access
$29
one-time payment · AUD · no subscription ever
All 18 financial tools — included
Works offline, no internet needed
Your data stays on your device
Export and backup your data anytime
All future updates — free
Australian tax, super and benchmarks
Buy Finvera — $29 AUD →
One-time payment · Instant access · Yours forever
Common questions

Everything you need to know

Do I need to connect my bank account?
No. Finvera never connects to your bank. You enter your own numbers manually. This keeps your financial data completely private and secure — no one can access it but you.
Where is my data stored?
Your data is saved in your browser's local storage — it never leaves your device. You can also export a backup file anytime and import it back into any version of Finvera.
Does it work on my phone?
Yes. Finvera is fully responsive and works on any device with a web browser — phone, tablet, laptop or desktop. It also works offline once loaded.
I earn casual or irregular income. Is this built for me?
Absolutely. Finvera was specifically designed for casual and irregular income earners. The Wage Log, Casual Strategy and buffer account system are built to handle unpredictable income and help you create financial stability.
I'm new to Australia. Will I understand this?
Yes. Finvera includes a full glossary of financial terms in plain English, Australian tax band calculations, superannuation explained, and benchmarks based on ABS data. Everything is designed to be understood without a finance background.
What happens if I switch devices?
Use the Export button to download your data as a file, then use Import on your new device. Your full financial history transfers instantly.
Is there a subscription or recurring fee?
No. Finvera is a one-time payment of $29 AUD. You get the app forever, including all future updates. No monthly fees, no annual renewals, no surprises.

The date you reach
financial freedom
starts today.

Join thousands of Australians who know exactly where their money is going — and when they'll be free.

Get Finvera — $29 → See features ↑