YOUR FINANCIAL CONFIDENCE CALCULATOR
Welcome!
This interactive gadget allows you to explore a crucial quandary – Does what you “feel” about your financial position match up with your reality.
Enjoy stepping through each zone of your financial world and then reveal your unique score. You’ll discover what that number actually means and how it was calculated.
INFORMATION IS POWER
While the global financial environment continues to be uncertain – how good would it feel to know exactly where you stand – AND have a solid step-by-step pathway to get into stronger financial shape.
If you need a hand working out your MONTHLY ESSENTIAL EXPENSES, we have developed a detailed budget tracker to help you out.
YOU ARE NOW IN THE DRIVER’S SEAT –
FINANCIAL CONFIDENCE CALCULATOR
Save · Debt · Retirement · Property · Invest (optional)
Enter your numbers across the three core pillars — Save, Clear Debt and Retirement. Property and Invest are optional. Press Calculate when ready, then unlock your full money picture with Show Me The Money and What Does It Mean?
Save
Clear Debt
Retirement
SuperannuationInclude primary property in my score
Own your home? Add your property value and mortgage to boost your score by up to 15 points.
Primary Property
Home ownershipOther Assets
Vehicles, business & moreInclude investment property in my score
Own an investment property? Add its value and equity to enhance your invest pillar score.
Investment Property
Property investmentInclude investments / shares in my score
Have shares, ETFs or stocks? Add your portfolio to boost your invest pillar score by up to 20 points.
Invest
Understanding your score
Excellent financial confidence
You are firing on all cylinders. Your money is saving, investing, reducing debt and growing your retirement — all at the same time. This is exactly where you want to be. Now the job is to stay disciplined, push the numbers higher and let compounding do the heavy lifting. Don’t coast — the gap between good and exceptional is closer than you think. Talk to The Advantage about what your next level looks like.
With property included: You have built real equity wealth alongside your other pillars. Your financial position is genuinely strong — now is the time to make sure every asset is working as hard as possible for you.
Strong — but don’t stop here
You have real momentum and solid habits across most pillars. But strong is not the finish line — excellent is. Right now there are specific gaps costing you future wealth. Whether it is boosting your savings rate, starting voluntary super contributions, or putting money to work in investments, the actions that will move your score into the 80s are clear. The Advantage can help you identify exactly where to focus and make it happen fast.
With property included: Your equity is building and that matters. Accelerate it — even small extra repayments now compound dramatically over 10 years.
You’re halfway — time to accelerate
A score in the 50s means you are doing some things right but leaving significant financial opportunity on the table every single month. The unallocated income in your budget right now is the fuel that could be building your wealth — but it isn’t yet. This is the most critical point in your financial journey. The decisions you make in the next 12 months will determine where you are in 10 years. Don’t wait. Talk to The Advantage today.
With property included: You own an asset with real future value. The question is whether you are building equity fast enough. Extra repayments now are one of the highest-return moves you can make.
The gap is wide — but closeable right now
Your score tells us that most of your financial pillars are either missing or underdeveloped. That is not a criticism — it is an opportunity. The distance between where you are and where you need to be is not as large as it feels. But it does require action — not next month, not next year, now. A single conversation with The Advantage could identify two or three changes that move your score by 20 points or more within months.
With property included: Property ownership is a significant head start even at low equity. Stay consistent with repayments and start building the other pillars alongside it.
This is your wake-up call — act on it
A score below 30 means your financial foundations are not yet in place — and every week that passes without action is costing you compounding growth you will never get back. This is not about blame. It is about urgency. The best time to start was yesterday. The second best time is right now. The Advantage exists precisely for this moment — to help people in exactly your position take the first steps and start building real financial confidence, fast. Don’t close this and forget about it. Book a conversation today.
With property included: Even at low equity, owning property means you have a foundation to build from. Let’s build on it — starting now.
*Inflation reduces purchasing power over time. $1M in 25 years buys significantly less than $1M today. This panel shows what your projected nest egg is actually worth in today’s lifestyle terms.
*The 4% rule is a widely used guideline suggesting you can safely withdraw 4% of your portfolio per year in retirement without exhausting it over a 25-30 year period. ASFA standards updated March 2025 (single). Couple: comfortable $77,375/yr, modest $51,299/yr.
*Extra contributions added to voluntary super at your selected growth rate, compounded over your retirement timeframe. Small increases now create outsized results later — that is the power of compounding.
*ASFA retirement standards updated March 2025. Figures shown for single person. Couple figures approximately 40% higher. Inflation projection uses 3% per year. ‘Excellent’ lifestyle is an estimate above ASFA’s comfortable standard.
*Disclaimer: The Confidence Calculator is provided for informative guidance only and does not constitute or represent financial advice in any way. The Scores presented here are intended as a near indication of overall position and is not a definitive financial conclusion. The Advantage does not keep, record or store this data, this is for your eyes and use only.
If you'd prefer to enjoy the calculator with a white background just click the White button
HOW THE TOTAL WORKS
Without property opted in, the core 75 points are scaled proportionally to 100 so renters and non-property owners are never penalised. When property is opted in, the full 100-point scale applies directly with no scaling.
*Disclaimer: The above calculator is provided for informative guidance only and does not constitute financial advice. The Scores presented here are intended as a near indication of overall position and is not a definitive financial conclusion. The Advantage does not keep, record or store this data, this is for your eyes and use only.
READY TO UPGRADE YOUR FINANCIAL CONFIDENCE SCORE?
We'd love to help!
Who is the ADVANTAGE?
To get to know us a little better, please watch the video below.
The Advantage program has guided thousands of Australians, just like you, though our step-by-step program to significantly improve their level of financial security - We've helped them get free of mortgage stress years early and into much brighter financial circumstances.
Don't wait to make the rest of your financial life better - You can start Today!
Another issue impacting financial confidence is the unpredictable nature of inflation and cost of living stress.
To help you beat the cost of living crunch, we are giving away $1000 Visa gift-card prizes to lucky winners every month!
*After your initial welcome call, all you have to do to go in the draw, is complete your 45 minute appointment.
We'll start with getting your core pillars in good shape:
- Reduce your mortgage timeline (by making sure you are on the best terms and rates)
- Consolidate your debts (to reduce interest and fees paid to banks)
- Properly prepare for your dream lifestyle when you stop working
- Start diversifying your income streams to ensure you are pro0tected from econpmoc turbulence and interest rate fluctuations
- Activate your existing hime equity to help you invest
To claim your no-fee chat time *and qualify to enter our monthly $1000 Visa gift card draw - just confirm your best contact details in the form below -
Melbourne Head Office:
Level 1, 48 - 58 York Street, South Melbourne Victoria 3205
Brisbane Office:
Level 6 / 200 Adelaide Street, Brisbane CBD Queensland 4000
Sydney Office:
20-40 Meagher Street, Chippendale, New South Wales 2008
HOUSEHOLD BUDGET TRACKER
Bills · Groceries · Subscriptions · Travel · Entertainment
Enter every household expense below — set the amount and how often you pay it. Everything converts automatically to a monthly figure so you can see exactly where your money goes each month.
*Disclaimer: The Budget Tracker is provided for informative guidance only and does not constitute or represent financial advice in any way. The figures presented here are intended as a near indication of overall position and is not a definitive financial conclusion. The Advantage does not keep, record or store this data, this is for your eyes and use only.