MoneyBRAINS is a finance calculator that will help you better understand your finances.

It works by asking you 20 simple questions about your financial position.

From there, MoneyBRAINS will provide you FREE analysis & insights into your financial situation INSTANTLY. MoneyBRAINS insights include:
- a breakdown of how you spend your money
- whether you are under mortgage stress
- what your borrowing capacity is
- how much you can save by refinancing and whether you are eligible
- how much 'buffers' you should hold and what your overall risk position is.

In short, it will provide you a holistic assessment of your finances.

Once completed, your results will be provided to you INSTANTLY. An individualised report into your finances will be emailed to you at the end of this journey.

Our mission is to help Australian's be better educated about their finances. We believe that a thorough understanding of your financial position is the first step to planning for a better financial future.

We wish you all a secure & prosperous financial future.

*Terms and conditions>>>

Data collected from this tool is protected under the Privacy Act. The information collected here is general in nature and not used for any loan application purposes. Read our Privacy Policy here

As with any financial scenario there are risks involved. This illustration provides an overview or summary only and it should not be considered a comprehensive analysis. You should before acting in reliance upon this illustration seek independent professional lending or taxation advice as appropriate specific to your objectives, financial circumstances or needs. Information included in the illustration may have been sourced from third parties and has not been independently verified. Note the results in the risks and lending results calculator may vary. It is intended to serve as an educational guide only.

Accordingly, Confidence Finance Pty Ltd Australia, Credit Licence 488313 is not in any way responsible for nor provides any warranty express or implied as to its accuracy.

© Confidence Finance Pty Ltd ACN 169 294 482 | Australian Credit License 488313 | MFAA Approved Broker 156955 | COSL Member M0024438

Please include any children/dependents living at home with you.
(own home, renting, other).
How much do you pay in rent and how frequently do you pay it. If you are sharing or boarding, please only put in your share of the total rent that is actually paid by you.
Please use your net salary. This Pay Calculator can be used to convert your gross salary to net salary. If you're self-employed, please estimate your total income (salary and profits) after tax paid.
Include income from non-salary sources. This includes rental income from all investment properties, dividend income and other investment related income.
Please include net income from sources like: Government income, Scholarships, Centrelink income, Pensions, etc. Do not include income from investment sources (rent, dividends, interest) or salary/profits (asked previously)
Please include things like: food, groceries, education, transport, entertainment, utilities/rates bills on all properties owned (including investments), holidays, etc. Please exclude rent expenses and any mortgage payments.
Please include your monthly repayment on non-mortgage debt. For example, if you have a car loan, furniture loan, personal loan, etc that are not secured by property. If you have already deducted a debt repayment like a car lease or HELP debt that is paid from your salary, you can exclude it here.
Banks work of your total credit card limit available to determine your borrowing power, not how much you actually use.
Please include all mortgage debt that is not for investment purposes. That is, your 'non deductible' debt value.
Total value of this debt that is at interest only repayment terms. This is not greater then the value of your owner occupier debt
The average interest rate on this debt. If you have multiple interest rates for different loans, please provide an average across the debt.
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Please include all mortgage debt that is for investment purposes.
Total value of this debt that is at interest only repayment terms. This is not greater then the total value of your investment debt
The average interest rate on this debt. If you have multiple interest rates for different loans, please provide an average across the debt.
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Please include all properties in your estimated value, including your own home.
Please include all properties you own.
These are your rainy day funds. Please include any funds that are 'liquid' and accessible at call (e.g. savings, term deposits, shares, etc).
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We'll send your individual report directly to your email. Invalid-Email

Thank you for completing MoneyBRAINS.
Next, SECURE your FREE INSIGHTS & ANALYSIS using your Mobile Number.
We'll send you an SMS code with access to your INDIVIDUALISED report.

Please enter your mobile number

Please enter your Security Code

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How much you save per year
$
How much the bank calculates you save
$
How much non-banks calculate you save
$
Additional investment borrowing 3% (DO NOT SHOW)
$
Additional investment borrowing 5% (DO NOT SHOW
$
Additional investment borrowing 3% (DO NOT SHOW)
$
Additional investment borrowing 5% (DO NOT SHOW)
$
Major Banks Investment Borrowing Power
$
Non-bank Investment Borrowing Power
$
Difference (DO NOT SHOW)
$
Savings Rate
%
Housing Expense % of Income
%
Expenditure Rate
%

How do you describe your risk profile?

Total Buffer Required : $
Total Buffer Required : $
Total Buffer Required : $
Total buffer
Based on your financial information, we estimate that your risk position requires a buffer size of $ - $
Minimum Interest Rate Buffer
Should interest rates rise by 1%, your total repayment will increase by $ per year. If your interest rate rises by 2%, your repayment will increase by $ per year.
P&I repayment change
If your interest only loans switch to principle and interest repayments, your repayment will rise by $ per year.
Are you 'rent reliant'
Your LVR position

You could save up to over three years by refinancing your loans. Lenders will pay you thousands upfront too! You are likely to be eligible based on your numbers. You could borrow up to to purchase an investment property.

You could borrow up to to purchase an investment property.

Would you like to know HOW?

Free Chat with an Award Winning Mortgage Expert

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  • Save thousands by reducing your interest rates
  • Discuss your situation with an expert

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