Money

Money tools

Checking whether your bank got your offset interest right. Working out if a raise actually beat inflation. Deciding if a rental property is worth what it costs. The real decisions, worked from the actual numbers - not financial advice, but not a guess either.

Calculators

Loan & mortgage calculatorOffset accounts, extra repayments, interest-only periods - a real month-by-month simulation→ Savings account calculatorDaily interest accrual, bonus rate periods - how a bank account actually pays, not an investment estimate→ Retirement savings projectorMulti-stage growth, employer match, and the inflation-adjusted real answer→ Debt payoff plannerSnowball vs avalanche across all your debts, month by month→ Credit card minimum payment calculatorHow long minimums really take - the shrinking-payment trap, modeled honestly→ Car loan balloon payment calculatorResidual-value loans done properly - common in Australian car finance→ CAGR calculatorSalary vs inflation, an investment, or a business metric - real annual growth→ NPV & IRR calculatorRental property or any multi-year deal - solved from the actual cash flows→

Offset accounts, explained honestly

How does an offset account work?Savings or repayment? The full answer, with RBA sources→ Is offset money paying off my mortgage?The short answer: no - and why that’s fine→ Offset vs extra repaymentsIdentical interest math - the difference is access and discipline→ Offset vs savings accountWhere spare cash works hardest - the tax point most comparisons miss→