No fine print games — here's exactly what this is, what it isn't, and what to do with it.
This is a calculator, not a financial planner. Every number it shows you is a rough estimate — not a fact.
The Wealth Builder is a simple, independent calculator — built by one person, not a licensed financial institution, accounting firm, or advisory service. It adds up numbers you enter and applies public tax rates and formulas. That's it. It doesn't know your full financial picture, and it can't give you advice tailored to your situation.
Every figure — tax estimates, the Live Tax Refund Tracker, debt payoff timelines, mortgage calculations, super projections — is based on publicly available rates and formulas, coded by hand. None of it has been checked or certified by an accountant or financial adviser.
Always confirm anything important against your actual payslips, loan documents, and a real, qualified professional before making a decision based on it.
This is a test build, still being improved from real feedback. Features can change, break, or disappear without warning. Treat it as a helpful rough draft of your finances, not a finished, guaranteed product.
Everything you enter — income, ledger, receipts, goals, debts — is stored only in your own browser's local storage. Nothing is uploaded, synced, or seen by anyone else, including whoever gave you the file.
For anything that actually matters — your tax return, a mortgage decision, debt consolidation, investment choices — talk to a real, qualified accountant, tax agent, mortgage broker, or financial adviser. This tool can help you understand your numbers well enough to have that conversation; it can't replace it.
If you're dealing with genuine debt stress, the free, independent National Debt Helpline can actually negotiate with lenders on your behalf — call 1800 007 007. Nothing on this site can do that.
go ahead and try it. Just remember: it's a calculator, not a professional.
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