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
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