YOUR FINANCIAL CONFIDENCE CALCULATOR
This allows you to see if what you “feel” to be true about your financial circumstances actually matches up with your reality.
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.
YOU ARE NOW IN THE DRIVER’S SEAT –
If you’d prefer to use the calculator with a white background just click the button
FINANCIAL CONFIDENCE CALCULATOR
Save · Debt · Invest · Super · Property (optional)
Enter your numbers across the four core pillars. Use the growth rate selectors to adjust projections. Property pillars are optional — tick to include them in your score. Press Calculate when ready.
Save
Clear Debt
Invest
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 investmentSave
Clear Debt
Invest
Retirement
Understanding your score
Excellent financial confidence
You are actively saving, investing, managing debt and planning for retirement across all active pillars. Your financial life is working hard for you. Keep building — small consistent improvements now compound powerfully over time.
With property included: You have also built meaningful equity and asset wealth. Your overall financial position is genuinely strong.
Strong financial foundation
You have solid habits in place and good momentum across multiple pillars. A few targeted actions — increasing savings, adding voluntary super, or starting an investment — could push you into the excellent range quickly.
With property included: Your property equity is adding meaningful weight to your overall position. Keep chipping away at the mortgage.
Building real momentum
The foundations are forming. You are doing the right things in at least a few areas. Now is the time to review where your unallocated income is going and direct more of it purposefully toward savings, investment or super.
With property included: Owning property puts you ahead of many. Focus on building equity faster with extra repayments where you can.
Getting started
You have made a start and that matters. Many people never take this step. Your score reflects that there is real opportunity to improve across several pillars. Even one or two changes — a small savings target, a super top-up — can move the needle quickly.
With property included: Property ownership is a significant asset even at low equity. Staying consistent with repayments will build your score over time.
Time to take control
This score is not a judgment — it is a starting point. Everyone begins somewhere and the fact you are here means you are ready to take your financial confidence seriously. Start with one pillar. Build one habit. The Advantage is here to help you every step of the way.
With property included: If you are a homeowner, your equity is your foundation. Even at an early stage, you have an asset working for you.
HOW THE SCORE 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.
If you’d like some extra help to really work out your total house household expenditure for the MONTHLY TOTAL EXPENSES pillar of the calculator, you can find a detailed budget tracker at the very bottom of this page.
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, through 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.
There’s no need to 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 you intial welcome call, all you have to do, to go in the draw, is complete your 45 minute appointment to go int the draw,
We’ll start by 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.