Money, explained plainly.

Guides on net worth, saving, FIRE and super, checked against primary sources.

Net worth

How to work out your net worth

A plain guide to adding up what you own and what you owe, including super, property, HELP debt and buy now pay later, with a worked example.

5 October 20268 min read

Each guide is general information, written for Australian rules and checked against ASIC Moneysmart, the ATO, APRA or the ABS.

Saving and buffers

How to size an emergency fund from your essential monthly costs, what changes the target, where people keep it, and how to build and refill it.

5 October 20268 min read

FIRE and retirement

A plain guide to financial independence and early retirement in Australia: FIRE numbers, the 4% rule's limits, and super preservation age.

5 October 20268 min read

Simple tools that work from figures you enter and assumptions you can change. We'll publish them when they meet the rules for financial calculators.

FIRE number calculator
Coming soon
Estimate the invested amount your chosen spending would need, using assumptions you set and can change.
Emergency fund calculator
Coming soon
Work out a buffer target from your own essential monthly costs and the number of months you choose.
Savings rate calculator
Coming soon
See what share of your take-home pay you keep each month, from the figures you enter.

Step-by-step articles you can search, grouped by topic.

Free while early access runs.