To get a cashflow estimate, open Cashflow setup and choose Start simplified cashflow. You can complete the steps in any order and return later.
The six steps
- Your household — tell us whether the estimate is for you or you and your partner.
- Income — record your annual salary before tax and deductions, excluding employer super, plus bonuses and other income. Choose Create entity to add a trust, company or other structure, then enter the income you receive from it. Record rental income with its property instead.
- Rental properties — enter each property’s total rent and costs once. Recorded ownership determines the shares. Link older income or expense entries if they represent the same amounts.
- Spending — estimate regular expenses using the payment frequency that fits each item. Select a shortened expense description to read or edit it in full.
- Loans and repayments — enter repayments and balances. Record HECS/HELP as a balance; compulsory repayments are estimated with tax.
- Review your cashflow — see estimated take-home income, spending and the amount left over.
Choose Save and continue in each input step. Setup progress reaches complete after the five input sections are saved; choose View cashflow to see your estimate. You can also open the review at any time. These answers use the same financial record as your Financial Profile: saved changes appear in both places. This shortcut does not submit or complete the full Financial Profile. Existing property values and unrelated personal answers are retained.
In Income, you can also record additional jobs. Tick I receive an allowance or have a salary package or novated lease to add a car allowance, salary package or lease. Enter allowances separately from salary; enter the pre-tax and post-tax deductions for packages and leases. Lease finance details appear only for a novated lease. Extra contributions start off, and turning them on shows yearly salary sacrifice and after-tax amounts. Receiving funds and account details are managed in Financial Profile → Superannuation; you do not need to assign a fund to calculate cashflow.
If after-tax super contributions are paid from your regular income, include them under Investing in your spending budget. Recording a receiving fund does not add another expense.
If someone changes the record while your form is open, saving will ask you to reload the latest answers. Your unsaved edits remain on screen until you choose to reload.
Estimates and actual transactions
Your cashflow estimate uses your recorded answers. Actual bank-feed or imported transactions are kept separately in the transactions dashboard. Entering an estimate does not create a transaction.
Bank connections are marked Coming soon in this setup. You can start with your own figures now without linking a bank account.