My Runway

For Australian households

When can you buy, invest or retire?

Your financial runway: the year you can buy the home, the investment property, or stop work for good, worked out with real Australian tax, super and stamp duty.

Free to start. No card needed.

An example chart from My Runway: savings, super and property rise year by year while the loans shrink, with an investment property bought at 38 and retirement at 57.Investment property · 38Retire · 57Age 34Age 44Age 54Age 64
When can we buy an investment property?In 2030, when you’re 38. Deposit, stamp duty and costs come to $148,000.Example figures

The questions your runway answers

In years and dollars, from your own figures.

When can I buy an investment property?

2030

at 38, with deposit, duty and costs covered

When can I retire?

2049

at 57, when savings and investments reach 25× a year’s spending

How long will my money last?

Past 90

every year to the end of the plan

What will the purchase cost up front?

$148,000

deposit, duty, fees and LMI, itemised

Pay down the loan, or put it in super?

each way side by side, from your own plan

When will the mortgage be gone?

2043

with your offset and extra repayments

Example answers for one household. Yours come from your figures.

See the features →

How it works out your year

  1. Income$112,000 a year
    Super$118,000
    Home loan$390,000
    Spending$71,000 a yearAssumed

    1Tell it what you have

    A few short steps, for one person or two, or start from an example household. Anything it estimates is marked.

  2. Investment propertyWhen affordable
    RetireWhen affordable
    Offset→Super→Shares

    2Say what you want

    Goals with a year, or “when affordable”, and your order for spare cash.

  3. 3See every year

    One chart. Open any year for the figures; change one and the answer moves.

Real Australian tax, super and stamp duty rules

A projection that leaves out $45,000 of stamp duty isn’t worth running.

  • From the source. Brackets and thresholds as the ATO and revenue offices publish them.
  • Dated and updated. Every rate carries the day it was checked, and is updated each July.
  • Working together. Every rule, every year, for each person.

How we check our figures →

RuleSource
  • Income tax and the Medicare levyATO
  • Medicare levy surchargeATO
  • Super caps and preservation ageATO
  • The CGT discountATO
  • HELP repaymentsATO
  • Division 293 taxATO
  • Stamp duty, all eight states and territoriesRevenue offices
  • First home buyer concessionsRevenue offices
  • Land tax, by stateRevenue offices
  • The Age PensionServices Australia
When can we buy an investment property?

In 2030, when you’re 38.

See the workings ›

Simple first, detail when you want it

The answer before the workings. Every default shown, and yours to change.

  • Sensible defaults, not forty questions
  • A plain answer: the year, and your age then
  • Every year opens to the figures behind it
  • Today’s dollars, so the numbers feel real

From people planning with My Runway

“I love that it takes Aussie tax and rules into consideration.”
“Financial forecasting is quite overwhelming for me, but this made it quite simple.”
“The fact that I can see where I’m heading financially is quite powerful.”

Pricing

The same projection on both. Plus adds depth, and prices a purchase from the published rates.

Free

$0 for as long as you like

  • Every year projected, with Australian tax, super, duty and HELP
  • The Net position chart, and basic tax and cash flow insights
  • Up to four milestones
  • Up to 15 assets, debts, incomes and expenses, one of them earning income
  • Ask Runway: three questions a month
  • Your plan saved to your account
Start free

Plus

$149 a year, GST included

  • Unlimited milestones, assets, income and rules for spare cash
  • Every chart view, and each as a table
  • Advanced tax and cash flow insights, per person
  • Stamp duty and purchase costs calculated for every property
  • What-if mode: try a change beside your plan
  • Smart plans: retirement, property, mortgage and super
  • Your net worth tracked month by month
  • CSV and PDF export, and colour themes
Start free, upgrade inside

Free and Plus in full →

Questions

Is this financial advice?

No. My Runway is a calculator: it applies the tax and super rules to the figures you give it and shows what happens. It never recommends a product or tells you what to do. Check the figures, and speak to a licensed adviser before acting on them.

Do I have to connect my bank?

No. My Runway looks forward, not back, so there are no bank feeds and no transactions to sort. You type the balances and amounts that matter, once.

Does it work for a couple?

Yes. A plan is one or two people, each with their own income, super and tax.

How is My Runway different from ProjectionLab?

My Runway is built only on Australia’s rules, with stamp duty, land tax, HELP and the Age Pension applied every year. ProjectionLab is a planner with tax presets for several countries, Australia among them, and simulations of market returns.

My Runway and ProjectionLab compared, from its own site →

Where is my plan kept?

In your account, stored in Australia (Sydney). It opens the same on any device you sign in on.

What happens if I stop paying for Plus?

Your plan stays, and stays yours to edit. The Plus features lock until you come back.

Find your runway.

Ten minutes with your figures, and you’ll know.

Free to start. No card needed.