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Australian Financial Safety Check

ARE YOU
FINANCIALLY
SAFE?

Answer honestly. Get your safety rating, see your real runway, and pull levers to understand what changes.

01 — Housing
$
02 — Income
All after tax
$
03 — Loans & Debts
Beyond your mortgage
04 — Monthly Expenses
$
Utilities, insurance, phone, internet, subscriptions
$
$
Dining out, entertainment, clothing, hobbies — be honest
$
Cash you could access within a week if needed
Your Financial Safety Rating
Runway
—
weeks of cover
Housing
—
of income
Surplus
—
per month
Debt Load
—
of income on debt
What's driving your rating
WHAT IF...
Pull these levers to see how your rating and runway change instantly.
I cut weekly discretionary by $20
$/week
My income drops by 10%
% drop
I lose my job entirely
Adjusted Scenario
—
weeks runway
—
monthly surplus
—
housing ratio
Runway Comparison
Current
Adjusted
Safe (8wks)
Next steps for your situation

Estimates only, based on figures you enter. Not financial advice. Always consult a licensed financial adviser for personalised guidance.