Five calculators.
One picture of your money.
Tax, savings, home loan, net wealth and retirement — built by Vincents advisers and free to use. Start anywhere; each tool hands you to the next.
Everything runs in your browser. Nothing you type is sent anywhere, stored or shared.
The tools
Pick the question you're trying to answer
Each one works on its own and takes a few minutes. Your figures stay on your device — the planners can save a file locally if you want to come back to them.
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Income Tax Calculator
Work out what you actually take home — tax, Medicare levy, offsets, study loan and super guarantee, for any year from 2020–21 to 2026–27.
You'll need: your gross income and the financial year.
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Savings Planner & Banking Structure
Split your money across living, lifestyle, medium-term and long-term accounts, and see your savings capacity at every frequency.
You'll need: your net income and a rough idea of your expenses.
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Mortgage Repayment Calculator
Minimum repayments weekly through to annually, how far through the loan you are, and what extra repayments or an offset account change.
You'll need: your balance, rate, term and loan start date.
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Net Wealth Calculator
Everything you own less everything you owe, plus the asset and debt mix behind the number and how much of it is working for you.
You'll need: balances for your assets, super and debts.
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Retirement Planner
Project your capital to and through retirement — including the Age Pension, minimum drawdowns and what happens if you spend more or live longer.
You'll need: your age, super balance and target spending.
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How they fit together
One number feeds the next
Used in order, the five tools trace the same path an adviser walks: what you earn, what you keep, what you owe, where you stand, and what that position pays you later.
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Income tax
Turns a salary into the amount that actually lands in your account.
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Savings planner
Takes that net income and gives every dollar a job, across four accounts.
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Mortgage
Prices the largest line in most budgets, and shows what spare capacity does to it.
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Net wealth
Adds the loan, the savings and everything else into a single position.
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Retirement planner
Runs that position forward, to see how long it lasts and what it pays.
Want someone to look at the whole thing?
A calculator answers one question at a time. Our advisers work through structure, tax, debt, super and investments together — from every angle.