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Financial Widgets
Please note that there are instructions under the widgets when you go into the page.
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Contents
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After-tax Income Widget
Electrical Vehicle Financial Feasibility Widget
FIRE Widget
Inflation Widget
Mortgage/All Occasion Loan Widget
Net Worth Widget
The Smash Avo/Opportunity Cost/Compounding Effect Widget​
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Childcare Trade-off Widget
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Had enough of the high cost of childcare while you slave at work. Well this tool won't exactly eliminate it, but it might help you decide whether taking off time off work is worth it financially now and long term. Please understand this is purely financial component and is only one part of the (life) equation. I'm not saying that it's the only measure and you may want to take the opportunity to watch your kid grow and help them develop and get the satisfaction that is priceless. That's completely fine too. This widget is purely a tool to help anyone who who wants to consider it but not confident/unable/too lazy to produce their own model.
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You will be able to also see your annual childcare fees inclusive of subsidy. Very under-rated way to improve your savings rate for those with kids starting childcare. I hope this can be an independent tool that you can sit down with your partner and come to a mutually beneficial agreement of the best and fairest way to go about this. Let's do our part to close the retirement gap.
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Debt Recycle Widget
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One of the most comprehensive debt recycle widget you will find on the web for free. This allows you to determine whether the benefits per period entered for debt recycling is worth it over leaving it in the offset account or just biting the bullet and directly investing it into an ETF/property. OR two. Or three.
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The most comprehensive FIRE No. Widget created. This widget estimates your FIRE No. and FIRE age based on the data you feed it. I also created a more flexible amortisation table that allows you to enter non-consistent annual investments in and out of super. I understand that not everyone feels secure to be down to the last $0-100k in the year before preservation age so this allows you to play around a bit more and see what you need to do to give you $x buffer for example in the final year before you reach the preservation age.
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Follow-up to the most comprehensive FIRE No. Widget created. This widget estimates your FIRE No. and FIRE age based on your Super Target if any and your Net Worth or Passive Income Target. I would suggest using both widgets to find a middle ground between the "least time possible to reach FIRE to preservation age" and your Net Worth/Passive Income Target.
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Inflation Widget
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Simple inflation widget to determine what your current savings/income is the equivalent of x years in the future. This is known as the Present Value (PV) Inflation. I also included the ability to find out what the future figure in x years would be worth in today's dollar.
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Mortgage/All Occasion Loan Widget
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A dynamic mortgage/loans widget that you can use to work out what the repayment needs to be in order to pay off your loan. The graph will show a breakdown of principal/interest/extra payment every year and you will be able to see how much you actually paid inclusive of interest over the period you entered.
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Net Worth Widget
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A fairly simple and comprehensive widget to help you quickly calculate your financial position.
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The Smash Avo/$300k Haircut/Opportunity Cost/Compounding Effect Widget
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As the name suggest, a flexible widget that determines the opportunity cost of any (un)necessarily spend as well as the compound effect of any investments. For example, you can use it to see how much that weekly 2 x smash avo + 2 x coffee or monthly netflix subscription is costing you after x period and ascertain once for all if it's stopping from that elusive housing deposit (pre-set as Scenario 1).
It can also be used to determine how much you will have if you say left $2k invested in an ETF and came back 20 years later without adding to it (pre-set as Scenario 2).
You can also see the snowball effect that it would have if you did add to it regularly (pre-set as Scenario 3). The more advanced schedule allows you to see the effect of irregular additional payments.
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This is not a calculator to make you feel bad about all expenses.
