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    Explore PennyNest with sample data - fully editable!

    Net Worth

    $920,000
    Total Assets:$920,500
    Total Liabilities:$500

    Monthly Cash Flow

    $11,708
    Net Income:$14,408
    Expenses:-$2,700

    Savings Rate

    81.3%
    Elite
    Monthly Savings:$11,708

    Debt-to-Annual Income Ratio

    0.3%
    Elite
    Annual Income:$172,900
    Total Debt:$500

    Spending by Category

    Distribution of monthly expenses

    Other
    111.1%$3,000
    Food & Groceries
    74.1%$2,000
    Utilities
    18.5%$500
    Transportation
    7.4%$200

    Asset Allocation

    Distribution of your total assets

    Properties
    77.0%$709,000
    Super
    19.0%$175,000
    Cash
    3.4%$31,000
    Investments
    0.6%$5,500

    Net Worth Projection

    30-year forecast based on current finances

    $6,720,631

    +$5,800,631 (630.5%)

    Current

    $920,000

    10 Years

    $2,465,632

    30 Years

    $6,720,631

    Projection Assumptions (Source: ASX Long-term Historical)

    Real Return: 3% p.a.
    Inflation: 3% p.a.
    Savings Rate: 81.3%
    Volatility: 16%

    Financial Goals

    Track and manage your financial goals

    On Track

    0

    Needs Attention

    4

    Total Progress

    35%

    Emergency Fund

    Savings
    $12,000 / $30,000 Behind
    Remaining:$18,000
    Time Left:12 months
    Monthly:$800

    First Home Deposit

    Property
    $35,000 / $100,000 Behind
    Remaining:$65,000
    Time Left:30 months
    Monthly:$1,800

    Retirement Fund

    Retirement
    $175,000 / $500,000 Behind
    Remaining:$325,000
    Time Left:240 months
    Monthly:$1,200

    Become Debt Free

    Debt Payoff
    $3,500 / $20,000 Behind
    Remaining:$16,500
    Time Left:24 months
    Monthly:$650

    How You Compare

    Comparing against Australian benchmarks

    Overall Assessment

    above average

    Based on 2024 Data

    income

    +166.0%

    Your income is above the median for your age group.

    Your Value$172,900
    Benchmark (Median/Avg)$65,000

    superannuation

    +236.5%

    Your super balance is on track compared to the average.

    Your Value$175,000
    Benchmark (Median/Avg)$52,000

    expenses

    -15.6%

    Your expenses are below the average for your age group - great job!

    Your Value$2,700
    Benchmark (Median/Avg)$3,200

    networth

    +636.0%

    Your net worth is above the median for your age group.

    Your Value$920,000
    Benchmark (Median/Avg)$125,000

    Benchmark data is based on population statistics (ABS & ASFA) and should be used as a general guide only. Individual circumstances vary significantly.

    Incomes

    1 income source

    Monthly Income

    $14,408

    Annual Income

    $172,900

    Est. Monthly Tax

    -$4,064

    Est. Annual Tax

    -$48,768

    Net Monthly

    $10,344

    Net Annual

    $124,132

    Household Income - Primary
    Tax Aware

    Combined household income

    $172,900
    yearly
    Tax Breakdown
    Gross Annual$172,900
    Tax/period-$48,768
    Income Tax$45,310
    Medicare$3,458
    Rate28.2%
    Net Annual$124,132
    Potential Tax Savings
    3 optimizations available$8,145
    Consider Investment Property
    Save $5,000
    Salary Sacrifice to Superannuation
    Save $2,035
    Maximize Tax Deductions
    Save $1,110
    💡 Tip: Enable tax calculation for gross income sources to see estimated tax and net income

    Expenses

    4 expenses tracked

    Total Monthly

    $5,700

    Deductible

    $0

    Tax savings potential

    Non-Deductible

    $5,700

    Food & Groceries

    Amount:$2,000
    Frequency:monthly
    Monthly:$2,000

    Utilities

    Amount:$500
    Frequency:monthly
    Monthly:$500

    Transportation

    Amount:$200
    Frequency:monthly
    Monthly:$200

    Other

    Amount:$3,000
    Frequency:monthly
    Monthly:$3,000

    Properties

    1 property

    Total Property Value

    $709,000

    Total Loan Amount

    $100,000

    Total Equity

    $609,000

    Equity Percentage

    85.9%

    Avg. Interest Rate

    5.28%

    Primary Residence

    1

    Investment Properties

    0

    21 Sunbird Crescent
    Primary Residence

    Hoppers Crossing VIC 3029

    $709,000
    +28%
    Loan Amount$100,000
    Equity$609,000 (85.9%)
    Interest Rate5.28%
    0
    💡 Tip: Monitor property values and mortgage rates to track equity growth and investment performance

    Investments

    1 investment

    Total Portfolio Value

    $5,500

    Total Gains/Losses

    $500

    (10.0%)

    Annual Income

    $0

    Monthly Income

    $0

    Dividend Yield

    0.00%

    Number of Investments

    1

    VDHG
    etf
    +10.0%
    Current Value
    $5,500
    Purchase Value
    $5,000
    Gain/Loss
    $500
    0
    💡 Tip: Diversify your portfolio and reinvest dividends to maximize long-term growth

    Cash Accounts

    2 accounts tracked

    Total Balance

    $31,000

    Annual Interest

    $0

    Monthly Interest

    $0

    NAB

    (savings)
    Balance:$30,000
    Rate:0%

    CBA

    (savings)
    Balance:$1,000
    Rate:0%

    Super Accounts

    2 accounts tracked

    Total Balance

    $175,000

    Est. Annual Growth (5%)

    $8,750

    Est. Monthly Growth

    $729

    Tom Super

    (industry)
    Balance:$123,000
    Monthly Growth:$513
    Est. annual growth: $6,150 (5% average)

    Dao Super

    (industry)
    Balance:$52,000
    Monthly Growth:$217
    Est. annual growth: $2,600 (5% average)

    Debts

    4 debts tracked

    Total Debt

    $635,800

    Monthly Interest

    $3,305

    Annual: $39,655

    Min. Monthly Payment

    $6,170

    Home Loan - Investment Property

    (Mortgage)
    Balance:$485,000
    Interest Rate:5.89%
    Min. Payment:$3,250
    Monthly Interest:$2,381
    Next Payment:11/5/2025

    Car Loan - Tesla Model 3

    (Auto Loan)
    Balance:$42,000
    Interest Rate:4.95%
    Min. Payment:$850
    Monthly Interest:$173
    Next Payment:11/10/2025

    Credit Card - ANZ Platinum

    (Credit Card)
    Balance:$8,800
    Interest Rate:19.99%
    Min. Payment:$220
    Monthly Interest:$147
    Next Payment:11/15/2025

    Personal Loan - Home Renovation

    (Personal Loan)
    Balance:$100,000
    Interest Rate:7.25%
    Min. Payment:$1,850
    Monthly Interest:$604
    Next Payment:11/8/2025