Four new calculators, tell your plan where the surplus goes, and a clearer Journey for couples

This update covers three releases. The headline pieces are four new calculators that each answer one question on the way in, a Premium way to tell your plan exactly where your surplus goes, and a Journey that reads correctly for couples. There is also a round of accuracy corrections. A few of them will visibly move numbers, and this post says which ones and why.

Start from the question you have

Not everyone arrives wanting a full projection on day one. Four new calculators each take one question and answer it with the same calculations that run your workspace, with no account needed to try them:

• Early retirement calculator: the age you could retire in Australia, with super, tax and the years you need to cover before super unlocks all modelled.
• Barista FIRE calculator: when part-time income plus your investments could cover your life. Enter the age you would switch to part-time and what it would pay, and the projection carries both phases of income into your full plan.
• Coast FIRE calculator: your Coast FIRE number and whether you have already reached it, letting compounding to a traditional retirement age do the rest.
• New tax rules calculator: your tax before and after the enacted 2026-27 Budget measures, this year, next year and across your whole plan.

Each one ends with a door into the full workspace. If you tried the calculator without an account and already have figures in your workspace, it asks before replacing them, so a quick calculation on the way in never overwrites work you have done.

If you already have an account, these pages are still yours to use, but be clear about what they are: a quick check on one question, run on the figures you type into that page. Nothing you enter there touches your saved workspace, and the door at the end opens your existing plan exactly as you left it. The exception is the new tax rules calculator, whose door switches the pre-Budget comparison on inside your own plan. For everything else the workspace already models Barista and Coast FIRE for your real position, so for most account holders the calculator you want is the one you already have. If you do want the quick versions, all four are listed under Calculators in the footer of this page, and of the Learn, Portfolio and Account pages.

The new tax rules, in your own plan

The 2026-27 Budget measures are law, and you can see what they do to a plan you have already built. Turn on the pre-Budget comparison from the projection controls, or arrive with the comparison already on from the new tax rules calculator, and a chip beside the toggle gives the headline answer: whether your FIRE age moved, and by how many years. Tap it for the full comparison, including cumulative tax under each set of rules and where your net worth ends up. On a phone the New tax rules chip sits between Chart and the dollar toggle so it is one tap away.

Tell your plan where the surplus goes

Until now, money left over each year was invested at your Model Settings growth rate and that was the end of it. Premium can now give the plan instructions: from a chosen date, direct surplus to a named cash account, a named investment, your share holdings by target weight or to whichever holding is most underweight, extra principal on a mortgage or its offset account, or concessional or non-concessional super contributions. Instructions are bounded by what is actually available, including settlement timing, reserved costs and the super caps you share as a household, so a plan cannot spend the same dollar twice.

Along the way the workspace asks for a few facts it used to assume. A cash account asks whether it earns interest and at what rate. A share portfolio asks what brokerage you pay before it models purchases. A super contribution in the current financial year asks how much of the cap you have already used since 1 July. For each person it offers an estimate worked out from the salary you have entered, at this year's super guarantee rate, and shows how it got there. The field stays empty until you accept that figure or type your own. Weekly and fortnightly mortgage repayment amounts you have typed are kept exactly as entered and modelled on their real cadence.

This changes numbers for cash. A cash account, savings account or term deposit used to inherit your investment growth rate and pay the investment fee. Neither was right. From this release, cash earns only what you tell it, and pays no investment fee. If you hold cash rows with no rate entered, your projection will come down to reflect that. It was overstated before.

Your Journey, read correctly for couples

For a couple, the retirement headline used to show the first person's retirement while the FIRE figures showed only the younger person's age. The headline is now the household's full retirement: the later of the two retirement years, with both ages shown in order. Wealth, spending power, progress bars, chart markers and the inspector all line up with that reference year and the dollar basis you have selected. The bridge figure stays anchored to the first retirement, because that is when the bridge starts.

An opt-in Individual retirements control adds each person's own retirement date to the chart, and Super unlocks are marked by default. Chart tooltips now show both partners' ages.

The baseline you compare against is now the label on the tracking line itself. Tap it to pick a different snapshot. The comparison strip shows how your model settings and planned retirement targets have moved since that baseline, and keeps changes to your retirement intentions separate from changes in the forecast.

One thing to expect. Snapshots now record your full model settings and treat cash and share holdings more precisely. If your comparison baseline was recorded before this release, the Journey labels it an older baseline and shows no year difference against it, because that difference would mix our corrections with your own changes and the two cannot be separated. Nothing is wrong with your Journey: the lines stay for reference, and the comparison starts fresh from your next snapshot.

Other investments you entered as a total

If you entered your other investments as a single total per person under an earlier version, that money has been counted in your projection all along, but for a while the workspace had nowhere to show it. It now appears in Other Investments as a card showing the total counted in your projection, with a field per person you can edit. You can move it into a named investment when you are ready; the workspace explains what that changes before it does anything. Sorry for the gap.

Finding your way around

How it works has become a four-step explainer of the equation your workspace runs: Current Position, plus Your Plan, plus a Scenario, times Model Settings. On desktop it is a guided spotlight tour over your live workspace. On a phone it is the same tour, walking the bottom navigation, your headline numbers, the chart views, the dollar toggle and the new tax rules chip, so you learn the real screens rather than a slideshow. First-touch tips point at one thing at a time and get out of the way when you tap elsewhere.

On a phone, the workspace sheets now sit flush to the bottom of the screen with a visible handle, and the inspector opens exactly as far as its answer needs. The selected tab in a person or section switcher is now clearly marked in light mode as well as dark.

One workspace, one shape. Current Position, Your Plan, Scenarios and Model Settings now share a single card anatomy: the same header, the same gap between cards, the same response when you hover or open one. On a phone, tapping a section opens it on its own card rather than dropping the fields onto the page behind it, and the Share Portfolio editor follows the same pattern. It is the interface you already had, told consistently.

The charts carry less chrome. The projection chart's legend is one row: the lines it draws, then a Milestones menu and a Compare menu that names what you are comparing against. Switch a comparison on and it joins the legend, switch it off and it leaves. Both charts expand from an icon in the corner of the plot, which gives back the row the old button took, and the Journey chart now names its target line, its FI year marker and its milestone rings.

Accuracy corrections

• A loan linked to a car or other asset now counts. The asset was in your net worth, but a loan you linked to it was not sent to the projection, and its repayments never reached your cashflow. Linking a loan to an asset also now says so in the workspace if that asset is not yet complete enough to project, rather than the liability quietly disappearing.
• We no longer invent a retirement age. If you left the retirement age blank, the plan used to assume 55 for you and 67 for your partner. Clearing an age also kept projecting the number you had just deleted. Both are fixed: the plan waits for your answer.
• Large amounts display correctly. A planned expense of $1.4M was showing as $1M in the spending plan summary. Compact figures now keep the digits that matter. Thank you to the customer who reported this one.
• Sell property no longer offers your home when you rent. Switching your housing status to renting keeps your earlier home details safe in the background, and the Sell property action no longer lists that home as something you can sell.
• Unlinking an offset account keeps your offset balance. If you had typed a mortgage offset balance and then linked and unlinked a cash account, the typed balance was replaced with zero. It is now restored.
• The conflict dialog offers a working retry. When two tabs edit the same workspace, the dialog no longer steers you toward a reload that could lose your changes.
• A free scenario draft survives an upgrade. Start a what-if on the free tier, upgrade, and the draft is waiting for you when you return. It survives a cancelled checkout too.
• Premium stops flickering. Every few minutes, while your session refreshed in the background, a Premium account briefly rendered as though it were signed out: an upgrade prompt under the Journey planner, and panels asking you to sign in. Nothing was ever lost, but it was jarring. Your plan now holds through a refresh.
• The ownership split opens on a phone. Tapping an ownership control inside a sheet did nothing on a phone. The panel opened, but it could not take the tap. Every information popover inside a sheet had the same fault, and all of them work now.
• The Bridge target shows what it recorded. The Journey said your bridge target would be recorded with your next snapshot no matter how many you took, because one of the two figures behind it was never stored. Snapshots you have already taken now show the target, and how far through it you are appears from your next one.
• The FIRE year says whose age it is. For a couple, the line under FIRE year gave a single age where the headline above it gives two. It now shows both, in the same order.

If anything feels off, hit Feedback in the bottom-right. It lands straight with us.