Assets & Expenses Calculator
Get a clear picture of your financial position. Break down your assets and living expenses item by item.
Net Financial Position
Estimated annual surplus/deficit (Assets - 12x Expenses)
Financial Runway
Based on current assets & spend
Asset Mix
Why calculate granular expenses?
When applying for a home loan or business financing, lenders scrutinise your living expenses (HEM - Household Expenditure Measure). A common mistake is underestimating costs, which can lead to scrutiny if your bank statements show a different story.
By breaking down expenses into weekly, fortnightly, or monthly buckets, you get a true "Monthly Burn Rate" figure that reflects reality, not just a guess.
What is "Financial Runway"?
Financial Runway is a metric usually applied to startups, but it's critical for personal wealth too. It answers the question:"If my income stopped today, how long could I survive on my liquid assets?"
- Low Risk: 12+ Months (Secure)
- Medium Risk: 3-6 Months (Standard Buffer)
- High Risk: < 1 Month (Living pay to pay)
Asset Categories Explained
- Liquid Assets (Cash)Savings accounts, offset accounts, and term deposits that can be accessed within 30 days.
- Growth Assets (Investments)Shares, ETFs, Managed Funds, and Crypto. These fluctuate in value but provide long-term growth.
- Lifestyle AssetsVehicles, jewellery, and art. While valuable, these are illiquid and often depreciate.
Methodology
This calculator standardises all inputs to a monthly equivalent:
- Weekly × 52 ÷ 12
- Fortnightly × 26 ÷ 12
- Yearly ÷ 12
Note: This tool provides estimates only and does not constitute financial advice.