Know your money
Understand your income, spending, saving and debt.
Your money tells a story
Do you actually know how healthy your finances are?
Most people know what they earn. Far fewer know what their money is doing to their lifestyle, their future and their path to financial freedom.
See My Financial Score →
Free • Takes about 5 minutes • No credit card
Not just another budgeting calculator.
Your budget tells you what you spend. Lifestyle Calculator shows you the bigger picture.
Know your lifestyle
See how your financial choices affect the lifestyle you can comfortably afford.
Know your future
See your progress toward financial freedom and understand what could change it.
Know what to do next
Get personalised improvement opportunities based on your own numbers.
Your financial life is more than a budget.
Your income, spending, debt, savings and lifestyle choices all work together. Lifestyle Calculator brings them together into one clear picture.
Calculate My Score — It's Free
No credit card. No commitment. Just your numbers.
Start with your numbers. We'll do the thinking.
- Free to calculate
- Takes about 5 minutes
- No credit card required
You can calculate without an account. Guest figures are temporary: they are cleared after 1 hour of inactivity, and when you leave or reload the calculator. Create a free account and your numbers stay with you — stored securely and processed in line with our privacy policy.
Your numbers become a bigger picture.
Enter your numbers
Tell us about your income, expenses, savings and debt.
Get your scores
See your Lifestyle Score and Financial Freedom Score.
See where you stand
Understand how your current financial position compares and what is affecting it.
See how to improve
Discover practical changes that could improve your financial position.
Financial freedom
Your goal isn't just a bigger bank balance.
It's the freedom that money can give you.
Know what your current numbers mean for your lifestyle today — and where they could take you tomorrow.
Building for your whole financial life
A good credit score isn't always enough.
Your credit score is only one part of the picture. Lifestyle Calculator is being built to help you understand your income, expenses, debt, affordability, savings, goals and overall financial position.
Money Coaching
Guidance to help you improve your financial position and build better money habits.
Coming SoonProperty Planning
Tools to help you understand affordability, deposits, bonds and property goals.
Coming SoonInvestment Planning
Explore saving, investing, compound growth and long-term financial goals.
Coming SoonFinance & Affordability Planning
Understand what you can realistically afford before making major finance applications.
Coming SoonPersonalised Financial Plans
Turn your numbers into practical goals and an action plan for your future.
Coming SoonMore Financial Calculators
New tools designed to help you make better financial decisions throughout your life.
Coming SoonKnow your money.
Improve your life.
Build your freedom.
Your financial future starts with understanding where you are today.
Lifestyle Calculator is an educational financial modelling tool. It is not financial advice and results do not guarantee credit approval, investment returns or a retirement outcome.