⚠️ Important disclosure
Quietwealth is a free budgeting awareness tool, not financial advice. The information, benchmarks, projections and suggestions in this tool are provided for general educational purposes only and do not take into account your individual circumstances, financial situation, needs or objectives.
✅ This tool helps you understand and visualise your household finances — income, expenses, surplus and spending patterns.
✅ Benchmarks are based on published Australian data (Finder, Canstar Blue, ABS 2025) and are general averages — not personalised advice.
✅ Super, investment and tax information is general in nature. Rules change frequently — always verify with current ATO guidance.
❌ This is not a substitute for personalised financial advice from a licensed professional.
❌ Quietwealth does not store, transmit or share any of your data. Everything runs locally in your browser.
Need a financial adviser? Search ASIC's Financial Advisers Register at moneysmart.gov.au for a licensed adviser near you.
Calculator About
🌿

Quietwealth

"Wealth is what you don't see. It's the cars not purchased, the diamonds not bought, the renovations postponed." — Morgan Housel, The Psychology of Money

A free Australian household budget calculator. Know your full financial picture — income, expenses, investment property, super, and the wealth you're quietly building every day.

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Built for Australian households — Myki, novated leases, HECS, offsets
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Compare to ABS benchmarks for households like yours
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Runs in your browser. No account. No data stored.
Step 1 of 7

Tell us about your household

This shapes your entire calculator — only relevant fields will appear.

Income earners
👤 Just me Single income
👥 Two of us Dual income
Parental leave

Applies to singles and couples — including single parents. Parental leave significantly changes income and unlocks baby expense fields.

✕ Not applicable
🤰 Currently pregnant Preparing for leave
👶 On paid parental leave Employer or govt paid
🏠 On unpaid parental leave No income from employer
💼 Returning to work soon Planning childcare costs
Caring for an elderly parent or family member

The sandwich generation — juggling your own family costs while supporting ageing parents. Common across all backgrounds, increasingly mainstream as aged care costs rise.

✕ No
🧓 Yes I financially support or care for an elderly parent or family member
Step 2 of 7

Do you have children?

Each child's age unlocks relevant fields — school fees, childcare, sport, clothing.

✕ No children
👶 Yes
Step 3 of 7

Do you have pets?

Vet bills, food, grooming and boarding can add up significantly — we'll benchmark by pet type.

✕ No pets
🐾 Yes
Step 4 of 7

Your home situation

This determines your housing cost fields and offset account options.

🔑 Renting Paying rent monthly
🏠 Mortgage Owner with home loan
✅ Own outright No mortgage
👨‍👩‍👧 Living with family At parents' home — minimal housing costs. Includes single parents living with their own parents.
Step 5 of 7

Investment property

We'll model rental income, expenses, tax deductions, payoff trajectory and offset scenarios. This includes rentvesting — owning an investment property while living at home or renting.

✕ No
🏘 Yes
What the investment property module covers:
Rental income → management fees → mortgage interest → council rates → land tax → insurance → net cash position → payoff trajectory → offset scenarios → annual tax deductions → estimated tax saving.
Step 6 of 7

Employer allowances

Some Australians receive employer-paid benefits. Tell us what applies — we'll calculate your true out-of-pocket costs.

Your allowances
Self-funded I pay 100% myself
Fully employer paid $0 out of pocket
Employer allowance (taxed) Paid to me, but taxed
Partly employer paid I top up the difference
No health insurance Not covered
Other employer benefits
Mobile phone plan (partial or full)
Employer reimburses part or all of your phone bill
Home internet / NBN
Employer reimburses your home internet
Novated lease
Pre-tax salary deduction — comes out before take-home pay
Work meals / entertainment
Reimbursable expenses you claim back from employer
Step 7 of 7

Superannuation

We'll show you how super contributions are taxed differently to other income, and how Australians generally think about the order in which they build wealth. This is general information only — not financial advice.

P1
Your super
Concessional cap: $30,000/yr (FY25)
How Australians generally think about wealth building: Emergency fund → High-interest debt → Super contributions → Mortgage offset → Outside investments. We'll show how your inputs compare to this general framework. This is general information only — not financial advice.
Offset account & emergency fund

This helps us show your offset balance doing double duty — or identify if your emergency coverage is a gap.

🏦 Separate savings account Emergency cash kept separate from offset
🏠 Offset IS my emergency fund All spare cash in offset — reduces interest AND accessible
💳 Split approach Small cash buffer + rest in offset
❌ No emergency fund yet Still building it
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Profile complete

Your household profile is ready. Now let's build your complete financial picture.

Next: enter your income and expenses across each category. Takes about 10 minutes.

Income & Expenses

Your financial picture

Enter monthly amounts. We compare your spending to ABS benchmarks for households like yours.

Your Results

Your Quietwealth picture

Based on your inputs compared to 2025 Australian averages. General information only — not financial advice.

About Quietwealth

Built for Australian households.
By someone who needed it.

I built Quietwealth because I couldn't find a tool that actually worked for an Australian household.

Every budgeting app I tried either tracked what I'd already spent, or gave me generic advice that didn't account for how we actually live here — offset accounts, novated leases, HECS debt, private health insurance that your employer pays but the ATO still taxes, Myki, land tax, the real cost of raising kids through school.

But it wasn't just my own frustration. After speaking with colleagues and friends across every stage of life — graduates figuring out their first salary, mid-career professionals trying to balance mortgages and families, and people starting to think seriously about retirement planning — I kept hearing the same thing. Nobody had a clear picture. Everyone felt like they were guessing.

And then there's the conversation that almost every couple knows. Two people, two completely different ideas about money. One wants to save every dollar; the other believes life is too short not to enjoy it. One sees the holiday as an investment in memories; the other sees it as debt waiting to happen. Money is one of the leading sources of tension in relationships — not because couples disagree about values, but because they've never had a shared, honest picture of where they actually stand. Quietwealth was built to give couples that picture, together.

"Wealth is what you don't see. It's the cars not purchased, the diamonds not bought, the renovations postponed."
— Morgan Housel, The Psychology of Money

Over the summer I read all three of Morgan Housel's books. Together they form a complete picture of our relationship with money that I haven't found anywhere else.

Book 1
The Psychology of Money
Wealth is what you don't see — the quiet compounding, the offset account working daily, the super balance growing in the background.
Book 2
Same as Ever
Human behaviour with money never really changes — the anxieties, the impulses, the tendency to compare ourselves to others.
Book 3 — 2025
The Art of Spending Money
It's not just about saving more — it's about spending intentionally on what actually matters to you, and not spending on what doesn't.

All three books point to the same underlying truth — that most people don't fail at personal finance because they lack discipline. They fail because they lack clarity. They don't know what they're actually spending, how it compares to others like them, or what a different set of habits would genuinely be worth.

I wanted to build something that gave Australian families that clarity. Not a tracker. Not a generic budget template. A proper picture — income, expenses, investment property, super sequencing, offset strategy, and honest benchmarks from 2025 Australian data so you can see not just where your money goes, but how you compare to households like yours.

It's free. It runs entirely in your browser. Nothing you enter is stored or shared anywhere.

It's not financial advice — for that you always need a licensed adviser. But it might be the clearest financial picture you've ever had.

I hope it helps.

— Dushy, Founder of Quietwealth
Feedback welcome
This is a first version and there's much more to build. If something doesn't work, a category is missing, a figure looks wrong, or you simply have a suggestion — I'd genuinely love to hear from you.
📧 dushy@dushys.com
Quietwealth is a free tool for general budgeting awareness only.
It is not financial advice. Always consult a licensed financial adviser for personalised guidance.
© Quietwealth 2025. All data entered remains in your browser and is never stored or transmitted.