However, using a combination of free/available tools can get you quite far. Far enough to make significantly informed decisions. How?

Use a pay calculator to get an overview of all income (your partner and you), super and understand the tax payable.

Perform a self-assessment of their current and future financial situation, goals and objectives, their appetite for risk and retirement planning.

Use a money manager tool (Moorr) to identify future financial targets like owning a private home, investment property, new car, start family, personal debt.

This includes doing a budget and observing any surpluses. This will be a reality check on what may be achievable.

We now need to simulate our situation with all the information we have at hand, including future objectives.

Using SuperCalc allows us to enter when we expect changing jobs with a higher income, how we will save for the home loan, etc.

Perform ‘what if’ analysis for different scenarios to understand what it will take to retire and when?

With these tools, the gaps now get filled and allow you to see the bigger picture, to make better decisions.

If you want to know more, get the free guide here:  https://bit.ly/4fxFn8f   (Please enter your email so I know where to send it)