Finvera — Financial Dashboard

Saved this yearThe total amount you've saved across all tracked months this year, calculated from your Monthly Tracker entries.

0 months tracked

Net worthNet worth = everything you own (assets) minus everything you owe (liabilities). This is the real measure of your financial health.

assets minus debts

Years to goal

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at age —

Super balanceSuperannuation is Australia's compulsory retirement savings system. Your employer pays 11.5% of your salary into it. You can't access it until retirement, but it's still YOUR money and part of your net worth.

incl. in net worth

Progress to your freedom

$0 of $1,000,000

0.0%

$0—$1M

Cumulative savings

Monthly savings

Savings rateSavings rate = how much of your income you keep. Financial advisers recommend at least 20%. The average Australian saves less than 10%. Above 30% is excellent.

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Total debt

outstanding balance

Monthly surplusYour monthly surplus is what's left after all expenses. This is the money available to invest, save, and work toward your goals. Protect this number.

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from weekly budget

Total assets

things you own

Total liabilities

what you owe

Net worth Assets minus liabilities. Liabilities linked to auto-tracked debts (like your car loan) reduce automatically over time as you make payments.

your real financial position

Assets An asset is anything you own that has monetary value — cash, investments, your car, property, superannuation. Add everything here, even small amounts.

Asset name	Type	Value ($)
Total assets		$0

Liabilities A liability is money you owe to someone else — loans, credit card debt, HECS, mortgage. Liabilities reduce your net worth. The goal is to shrink these over time.

Liability name	Type	Balance ($)
Total liabilities		$0

Net worth over time Track your net worth monthly. This trend line is the most motivating chart in personal finance — watching it grow consistently is proof that your system is working.

Snapshot your current position — do this monthly

Adviser tip — net worth

Track this number monthly. Even if your savings are small, watching net worth grow is the most motivating thing in personal finance. A net worth that grows by $500/month compounds into something life-changing over 10 years.

Total income

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Total expenses

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Total saved

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Savings rate

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Smart pre-fill — how it works

Click Auto-fill all fixed costs to automatically load your fixed expenses (rent, bills, car, etc.) into every month — you only need to enter income and variable costs. Click Pre-fill this month from wages to pull your total from the Wage Log automatically.

Weekly cash flow calendar Cash flow shows money coming IN and going OUT each week. Even if your monthly budget looks fine, you can run short in a specific week if bills cluster together. Use this to plan ahead.

Based on your weekly budget. Shows what a typical month looks like week by week so you can plan when bills hit.

Adviser tip — cash flow timing

Get paid weekly? Set up automatic transfers on payday: fixed % to bills account, fixed % to savings, remainder to spending. This is called "paying yourself first" and it's the single most effective budgeting habit. You can't spend what you've already moved.

Income sources — weekly

Source	Weekly ($)	≈ Monthly
Total	$0	$0

Fixed costs — weekly Fixed costs are expenses that stay the same every month — rent, phone, insurance, subscriptions. They're predictable and easier to plan around.

Category	Amount	Frequency & day	≈ Monthly
Subtotal	$0	$0

Variable costs — weekly Variable costs change month to month — groceries, eating out, entertainment, petrol. These are where most people overspend and where the biggest savings opportunities are.

Category	Weekly ($)	≈ Monthly
Subtotal	$0	$0

Weekly summary

Total income	—
Fixed costs	—
Variable costs	—
Weekly surplus	—

Monthly surplus —

Spending breakdown

Total debtThe total amount you owe across all loans and credit facilities. High-interest debt above 8% is the biggest threat to building wealth.

outstanding

Monthly payments

min repayments

Avg interest rateThe weighted average interest rate across all your debts. Focus extra payments on the debt with the highest rate first — this is the avalanche method.

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weighted average

Debt-free dateThe date when your last auto-tracked debt will be fully paid off, based on your scheduled payments.

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all debts cleared

Debt payoff calculator See how much faster you can clear a debt by adding extra repayments each month. Even an extra $50/month can save years and thousands in interest.

Extra monthly payment ($)

Select a debt above to see your payoff timeline.

Adviser tip — debt priority (avalanche method)

Pay minimums on all debts. Then put every extra dollar toward the highest interest rate debt first — this saves the most money mathematically. Never invest while carrying credit card debt above 10%. No investment reliably beats that interest rate long-term.

Current balanceYour current superannuation balance. Log in to myGov or your super fund's app to find this. Update it here every 3–6 months to keep your projections accurate.

enter below

Projected at 67An estimate of your super balance at the standard Australian retirement age of 67, based on your current balance, employer contributions, and expected growth rate.

estimated at 8% growth

Employer contributions

11.5% of salary / yr

Super details

Current balance ($)
Annual salary ($)
Extra contributions / month ($)Voluntary contributions (called "concessional contributions") are taxed at only 15% instead of your marginal tax rate. This is one of the most tax-effective ways to build wealth in Australia.
Expected return (%)
Investment option

Projection to retirement

Adviser tip — maximise your super

The more time your super has to compound, the better. Switching to a Growth or High Growth option could add hundreds of thousands to your retirement balance. Even $100/month in voluntary contributions is taxed at just 15% instead of your marginal rate — one of the best legal tax strategies available to Australians. Check your super at moneysmart.gov.au or ato.gov.au/super.

Portfolio valueThe current total market value of all your investment holdings. This is what you'd receive if you sold everything today.

total market value

Total gain / lossThe difference between what you paid (cost basis) and what your investments are worth now. This is unrealised — you don't pay tax on it until you sell.

unrealised

Overall return

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% gain on cost

Portfolio holdings

Name / Ticker	Type	Cost ($)	Current value ($)	Gain / Loss ($)
Total		$0	$0	$0

Adviser tip — investing for beginners in Australia

VAS (Vanguard Australian Shares ETF) + VGS (Vanguard International Shares ETF) together cover the entire global stock market at very low cost (~0.1% fee per year). Buy them on the ASX through SelfWealth ($9.50/trade flat fee) or Stake. Set up auto-invest and don't check it daily. Time in the market beats timing the market — every time.

Your financial goals

Monthly savings allocation A financial adviser would split your monthly surplus into "buckets" — each bucket serves a different goal. Allocate percentages below. Total should equal 100%. This stops you spending money that should be working toward a goal.

Split your monthly surplus between your goals. Must add to 100%.

Total allocated 0%

Adviser waterfall — fund in this order

1. Emergency fund — 3 months expenses. Non-negotiable. Without this, one crisis destroys your progress.

2. High-interest debt — any debt above 8% interest. Clear this before investing.

3. Super top-up — tax-effective growth, especially under 40.

4. House deposit / index funds — run these parallel once steps 1–2 are done.

Scenario inputs

Starting savings ($)
Monthly savings ($) This is pre-filled with your live monthly surplus from the Budget tab. Change it to see what happens if you save more or less.
Income growth per year (%)
Annual return (%)The average annual return you expect from your investments. The ASX has historically returned ~10% per year before inflation. 7% is a conservative estimate after fees.
Target ($)

Freedom date

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At 10 years

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projected wealth

At 20 years

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projected wealth

Projection chart

What if comparison

Scenario	Years to goal	At 20 years

Australian income tax estimate FY 2024–25 Australia uses a progressive tax system — you pay a higher rate on income above each threshold. Rates reflect the Stage 3 tax cuts effective 1 July 2024. You only pay the higher rate on income ABOVE the threshold, not on everything you earn.

Annual income ($)

Tax saving opportunities

Adviser tip — reduce your tax legally

Australia's tax system rewards people who invest in super, claim work expenses, and structure income well. The best legal strategies at your income level: voluntary super contributions (taxed at 15% not ~32%), keeping receipts for work-related expenses, and using a tax accountant (costs ~$200–$400, often saves 10x that).

How you compare to the average Australian These benchmarks use ABS and ASFA data for Australians aged 30–39. Being above average is good — but the goal is to beat your own past performance, not just the average.

Based on ABS data for working Australians in your age group. Update your age and income in Settings for accurate comparisons.

Adviser tip — benchmarks in perspective

The "average Australian" is not financially well-off. The average 35-year-old has less than $50k in savings outside super and carries significant debt. Beating the average is a low bar. Use these benchmarks to understand where you stand, but aim for the top 20% — that's where financial freedom lives.

Financial terms — plain Australian English

Every financial term used in this app, explained in plain English. No jargon, no assumptions.

Your profile

Name

Shown on your dashboard

Current age

Used for all projections

Tracking start month The month you started using Finvera. Months before this are hidden. You can toggle historical months on below if you want to backfill past data.

Only show months from here forward

Show historical months

Toggle on to view and add data for months before your start date

Off

Financial targets

Wealth target ($)

Your financial freedom number

Starting savings ($)

What you had at the start

Annual return (%)

Expected investment growth

Annual income ($)

Used for tax estimates and benchmarks

Getting started

Setup wizard

Re-run the onboarding to update your profile

Account & security

Account email

Not set

Lock screen

Ctrl+L anywhere, or click Lock in the sidebar

Auto-lock Locks the screen automatically after a period of inactivity. Recommended: 15 minutes.

Lock screen after idle time

Your data

Your data auto-saves in this browser every time you make a change. Use Export to download a backup file you can keep forever, and Import to load it back — including into a new version of the app.

Import data

Checking saved data…

This year total

all wages logged

Weekly average Your average weekly pay across all entries logged. This is the number to use when planning your budget — not your best week or your worst week.

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across logged weeks

Best week

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Slowest week

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Log a week's pay

Week ending

Amount ($)

Description

Weekly income — 52 week view Green bars = weeks above your average. Red bars = below average. The gold line is your running average. Use this to spot your busy and slow seasons.

Income by month this year

Adviser tip — tracking casual income

Logging every week's pay is the most important habit for everyone. After 3 months you'll see your real average (not what you hope it is), your slow periods, and your income trend. This is the data that makes every other financial decision more accurate.

Recommended weekly salary

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pay yourself this every week

Buffer target Your buffer account sits between your wages and your spending. Deposit all wages here. Transfer your fixed weekly "salary" to your spending account every Monday. Build the buffer to this amount before increasing your salary.

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keep this in your buffer account

Current income trend Compares your last 4 weeks of wages to the 4 weeks before that. Positive = your income is growing. Negative = it has dropped recently. Needs at least 8 wage entries to calculate.

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vs 3 months ago

Pay yourself a consistent salary The "pay yourself a salary" strategy: deposit all wages into a buffer account. Transfer a fixed amount to your spending account each week — regardless of what you earned. Good weeks build the buffer. Slow weeks draw it down. Result: predictable cash flow, no more feast and famine.

Your lowest realistic weekly pay ($)

Your average weekly pay ($)

Weeks of buffer you want

What to do on a good week

What to do on a slow week

Tax & deductions checklist

Check your super is being paid
Your employer must pay 11.5% super on all ordinary time earnings. Log in to myGov → ATO → Super to verify contributions are landing. Many casual workers are underpaid.

Tax withholding varies with income
If you earn more in some weeks, more tax is withheld. But if total annual income is under the threshold, you'll get a refund. Lodge your tax return every July — don't skip it.

Claim your work expenses
Tools, equipment, work clothing, professional development, home office — all potentially deductible. Keep receipts in a phone folder throughout the year so you're ready at tax time.

Never budget on your best weeks
The most common mistake people make when budgeting. Always budget based on your conservative average, never your best recent week.

Total annual irregular costsIrregular expenses are costs that don't happen every month — rego, insurance renewals, vet bills, holidays, Christmas. They destroy budgets because people forget to plan for them. Break them into weekly savings so they never surprise you.

across all categories

Weekly savings needed

set this aside every week

Monthly savings needed

add to your budget

Your irregular expenses

Add every annual or irregular cost here. The app will calculate exactly how much to save each week so you're never caught off guard.

Expense	When	Amount ($)	Weekly save ($)
Total		$0	$0

Upcoming this year

Adviser tip — the "sinking fund" strategy

Open a separate savings account and nickname it "Irregular expenses". Transfer the weekly amount every payday. When the bill arrives — rego, vet, Christmas — the money is already there. No stress, no debt. This single habit eliminates most financial emergencies for everyone.

Spent this month Total of all expense entries for the selected month, including automatically generated fixed bills and expenses you added manually.

all categories

Auto-generated

from fixed bills

Manual entries

you added

Budget remaining Your total monthly budget (fixed + variable) minus everything spent so far this month, including auto-generated fixed bill entries. Goes red when you're over budget.

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this month

Add expense

Date

Amount ($)

Description