Signature scenery

Clear scenery mode · reduced blur and lighter glass

Updates

Freedom score increased

Your score is up 5 points since the last review.

Mortgage milestone

Your repayments have moved the loan another $2,100 closer to the next milestone.

Cash buffer on track

You are currently at 81% of the $45,000 target.

Freedom AI

Today’s strongest move

Adding $100 per week could bring your projected freedom date forward by about four months.

Ask a decision

Use Decision Lab to compare a car purchase, extra mortgage payments or investing more each week.

9:41▮▮▮ ᯤ ▰
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Good afternoon, Alex

Your financial life, thinking ahead.

♙
FREEDOM TWIN

Meet your future self

Your living financial model—watching your position, testing choices and translating the numbers into plain English.

Live model updated today
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Your Twin’s morning brief

What matters most right now

You are still tracking toward mortgage freedom around 2036. Your strongest move this month is protecting the cash buffer while directing the new pay rise toward the home loan. That keeps the planned vehicle upgrade possible without materially delaying retirement.

FREEDOM TRAJECTORYOn track5 months ahead
PROJECTED FREEDOM AGE61.2Improving
DECISION CAPACITY$1,420Monthly flexibility
NEXT WATCHPOINTCar planReview in 6 months

ASK ASK FREEDOM

Explore a decision using your full financial picture.

🚙Can I afford a $90k vehicle?Compare cash, finance and home-loan impact›⏳What if I retire at 58?See the effect on debt, super and lifestyle›🏠Should I keep Investment property?Test hold, sell and debt-reduction scenarios›👩‍💼Could Jordan work four days?Model income reduction and freedom timing›

RECENT CONVERSATION

Does the car upgrade ruin the plan?
Not necessarily. Using the vehicle sale plus a controlled loan keeps the plan broadly intact. Paying the full difference from cash would weaken your buffer, while adding it to the mortgage creates the longest drag.