What could your spare money become?
Add the money coming in and going out. We’ll show what is left for your chosen period and, if you have a surplus, what regularly putting some of it aside could look like over one year.
Money in
Enter your take-home income from each source.
Money out
Include regular bills and spending. You can enter each item in the period that is easiest to remember.
Monthly disposable income
$0Add your income and expenses to see what you have left.
See what putting your surplus to work could do
Choose how much of your disposable income you could regularly set aside. The examples below show the estimated position after 12 months.
At 3.60% p.a.
- Your contributions
- $0
- Estimated interest
- +$0
Checking the latest RBA benchmark…
RBA source: advertised term deposit ratesAt 3.70% gross p.a.
- Your contributions
- $0
- Indicative gross yield
- +$0
Cotality national dwelling gross rental yield, June 2026.
Cotality yield source- These are general illustrations only, not forecasts, quotes or personal financial advice.
- The RBA rate is the average advertised rate across all terms for a $10,000 bank term deposit. Actual products, minimum balances, terms and rates vary. The calculator attempts to refresh this benchmark directly from the current RBA F4 data and otherwise uses the displayed fallback rate.
- Both illustrations model regular contributions across one year and apply the displayed annual rate progressively as contributions are made. The term deposit example compounds monthly for illustration; an actual term deposit may require the full amount upfront and pay interest at maturity.
- The property figure uses a national gross rental yield as a simple comparison. It does not mean small regular contributions can directly purchase property and excludes finance, deposits, stamp duty, buying and selling costs, vacancies, rates, insurance, management, repairs, tax and changes in property value.
- Returns are shown before tax and inflation. Interest and rental income may be taxable. Rates, yields and investment values can change.
Turn spare cash into clear next steps.
An FAA consultant can help you explore options that suit your goals, timeframe and financial position.
Take your results to the next step.
Create a downloadable summary of your figures, open a pre-filled email to FAA and continue to our contact form.