The Wealth Builder
Settings theme, formatting, and data controls
Data & backups
AI Money Ideas two ways to power this — pick one, or set up both
Option A — shared relay (free credit, works out of the box)
Option B — your own API key (no cap, bypasses the relay)
Features turn sections on or off so tabs only show what you actually use
App Overview what each tab does, in plain English
🏠 Dashboard — the fun front page: your live tax refund estimate, where your money's going, and progress on your goals.
💰 Income — your pay, household setup, super, and (if turned on) payslips.
🐷 Savings — your buckets, Mojo & Grow, and (if turned on) Big Goals like a car or holiday.
💳 Debt — (if turned on) paying off debts faster and mortgage extra repayments.
📊 Net Worth — (if turned on) what you own vs. what you owe, plus investments.
🧾 Tax — your live tax return detail, and (if turned on) travel deductions and industry ideas.
📒 Ledger — log every dollar in and out, with (if turned on) bank import and recurring bills.
💡 Feedback — tell the person who built this what's broken, confusing, or missing.
⚙️ Options — you're here. Theme, data, and which sections show up.
Turn features on/off above anytime — nothing you've entered gets deleted when you hide a section, it's just tucked away.
Household & Income enter pay as salary or hourly — tax year fixed at 2026–27
Your income
Payslips log each payslip so your Tax Refund Tracker uses real numbers, not guesses
Account Split where every dollar goes
Money In vs Out last 6 months from your ledger
Goal Progress everything you're tracking toward a target
Summary
Allocation Flow busbar splits your income across accounts
Accounts
Bank Import upload a bank export — group similar transactions, categorise once, it remembers next time
Remembered categories rules learned from past imports — edit or remove anytime
Ledger & Reconciliation backfill real income/costs (paste out of Xero) to see what each account should actually hold
Calendar
Add entry
Paste from Xero
Recurring transactions rent, subscriptions, pay — set once
Ledger
Period Report
Live Tax Return — Detail the breakdown behind the Dashboard number
Travel, KMs & Fuel cents-per-km method — 2026–27 ATO rate
Deduction Ideas by Industry common examples for the 5 most-searched trades & jobs — not an exhaustive list
Tax Time your live deduction record — export it straight to your accountant, no Xero subscription required
Archived years past financial years, snapshotted so Tax Time doesn't grow forever
Mojo & Grow held at a separate institution — outside the 100% split above
Savings Goal Tracker
Superannuation balance, growth, and a quick cap check
Net Worth super + other assets, minus what you owe
Other assets savings, shares, investment property equity, etc.
Investments & Other Income dividends, interest, rent, capital gains — broken down by type
Big Goals new car, a house deposit, next holiday — anything you're saving toward
Debt Payoff list what you owe, pick a strategy, see the order to attack it
Payoff plan
Mortgage Extra Repayments see what extra repayments actually save you
Affordability Check do your goals, debt extra, and mortgage extra actually fit inside your income?
Investment Bucket Strategy plan the split once a goal bucket is full — not personalised advice
AI Money Ideas general information only — not financial advice
Feedback found a bug, something confusing, or an idea? drop it here
Your feedback so far
Disclaimer please actually read this one
This is not financial, tax, or legal advice. This tool is a personal project, built and still being tested — it is not a licensed, professional, or regulated product. Nobody involved in building it is a financial adviser, accountant, mortgage broker, or tax agent, and nothing it shows you is a recommendation to do anything with your money.
The numbers may be wrong. Tax brackets, Medicare levy, HECS thresholds, super rates, and every calculation on this page are estimates based on publicly available 2026–27 rules, entered and coded by hand. They have not been checked by an accountant. The "Live Tax Return," debt payoff, and mortgage figures are simplified illustrations, not calculations you should rely on for a real decision — always confirm against your own payslips, loan documents, and a real professional before acting.
We're playing around. This is a work-in-progress test build. Features may break, change, or disappear without warning, and there's no support team behind it. If you're trying it out, treat it as a rough prototype, not a finished product — and don't rely on it for anything time-sensitive or important.
Your data is private to you. Everything you enter — income, ledger entries, receipt photos, goals, debts — is stored on your device and backed up privately to your own account so it syncs to any device you log into. It's locked to your login: nobody else can see it, and it's never sold or shared. You can also export a JSON backup any time from Settings.
The optional AI Money Ideas feature only works if you add your own Anthropic API key, and it sends your question straight from your browser to Anthropic — nothing passes through any server belonging to this app, because there isn't one. It's built to give general information and things to consider, never personal advice, and it only ever sees the brief summary of your own data shown in the app — never anyone else's.
If you're dealing with real debt stress, please skip the calculator below and talk to a free, genuine service instead: in Australia, the National Debt Helpline is free, independent, and government-funded — call 1800 007 007 (Mon–Fri) or visit ndh.org.au. They can actually negotiate with lenders on your behalf, which nothing on this page can do.
By using this tool you accept it exactly as described above: an unfinished, unverified, non-professional test project. Use it for fun, use it to get a rough feel for your numbers, but make real decisions with a real professional and your own source documents.