Your financial
health check.
Whole-of-life snapshot tools — how is your financial health, and what should you tackle first?
Only about 1 in 10 Australians see a financial adviser.
Advice penetration has held near 10% even as adviser numbers almost halved, and a full advice relationship now runs to thousands a year — so 15.9 million Australians report advice needs going unmet. Plenty of the groundwork you can do yourself, though: it is worth taking stock with a financial health check, working out what to tackle first, tallying your net worth and budget, and modelling what acting on the big levers could be worth over time before deciding whether paid advice is your next step.
How many of us actually get advice
Roughly one in ten adults sees an adviser; the other nine in ten don’t. It isn’t for lack of interest — only about 7% of advisers will take on a new client for under $1,500, so most Australians are left to work things out on their own.
All Advice & Wealth calculators
6 calculatorsFinancial Health Check
Score your financial health across 10 categories — cash flow, debt, insurance, super, investments, tax, estate planning, and more. Get a visual scorecard and a prioritised action list.
Advice Priority Calculator
Input your situation across 8 financial levers and get a ranked priority matrix — showing which actions are most urgent, most valuable, and most time-sensitive.
Before & After Advice
The flagship multi-step tool. Model the financial impact of acting on 8 key advice levers versus doing nothing.
Net Worth Calculator
Add up what you own, subtract what you owe, and see your net worth against the typical Australian household and the average for your age band.
Budget Planner
Enter your income and expenses at any frequency and see your monthly surplus or deficit, your savings rate, and how your spending splits against the 50/30/20 rule.
Living Expenses Calculator
Add up your weekly and annual cost of living by category and see how it compares to the average Australian household — the ABS HES 2015-16 benchmark of $1,425 a week.
What These Tools Are For
The calculators in this section are designed to help you think clearly about your overall financial position — not just individual transactions. They're built for the kind of big-picture questions that most Australians don't have good answers to:
- Am I on track for retirement?
- What happens to my family if I can't work?
- Which financial action should I prioritise right now?
- What would acting on good financial advice actually be worth to me?
Every tool here runs entirely in your browser — no data is sent anywhere, no sign-up is required, and no results are stored. Use them as many times as you like, with as many scenarios as you want.
The 8 Advice Levers
The Before & After Advice calculator and the Advice Priority tool both model the same set of 8 financial levers that account for the majority of wealth outcomes for Australian households:
- A — Debt Strategy: Structuring debt to minimise interest and maximise deductibility
- B — Super Optimisation: Salary sacrifice, concessional contributions, and investment options
- C — Insurance Adequacy: Life, income protection, TPD, and trauma
- D — Tax Efficiency: Offset accounts, income splitting, and timing strategies
- E — Investment Strategy: Diversification, asset allocation, and fee minimisation
- F — Cashflow Management: Budgeting, saving rate, and cash flow optimisation
- G — Estate Planning: Will, power of attorney, beneficiary nominations
- H — Retirement Income: Drawdown strategy, Age Pension optimisation, TTR
The tools quantify the compounding impact of acting (or not acting) on each of these over a 10–20 year time horizon.