My Runway

Features

See your runway, year by year

Your household’s money to the end of the plan, with Australia’s real tax, super and stamp duty rules.

  • Every yearto the end of the plan
  • 8states and territories’ stamp duty
  • One or twopeople, each taxed on their own
  • $0to start, no card

See where you stand

Every year, on one chart

From this year to the end of the plan, in today’s dollars.

  • Net position, assets, debt, cash flow and super
  • Open any year for what came in, went out and changed
  • The year money runs short, if it does, and by how much

Net position and basic insights on Free; every view and advanced insights on Plus.

Net positionAssetsDebtCash flowSuperReachable
CashSuperPropertyLoansNet position
2034age 42
Money in+$184,200
Tax−$39,920
Living−$71,000
Property & loans−$38,400
Surplus, to the offset+$34,880

Plan the big moments

Milestones that find their year

A home, an investment property, a child, retiring. Give it a year, or let My Runway find one.

  • The first year the money is there, and the plan still pays its way after
  • Deposit, stamp duty, fees and mortgage insurance, for its state
  • The cash you have left after settlement

Four milestones on Free, with costs estimated; as many as you like on Plus, with costs calculated.

Found: the first year it’s affordableA year you chose
Investment propertyQLD · 2030
Price$620,000
Deposit (20%)$124,000
Stamp duty$20,925
Fees and legal$3,075
Mortgage insurance$0
Up front$148,000
Cash left after settlement$41,200

Smart plans

The big questions, a few steps eachPlus

Each one worked out year by year from your own plan.

Plan my retirementBoth of you, together
As early as the money allowsAt an age I choose
Earliest2049at 57
The money lastsPast 90to the end of the plan
Most you could spend$78ka year, today’s dollars
Add to plan

Plan my retirement

The earliest year, how long the money lasts, and the Age Pension it pays.

Passive income goal$60,000 a year
2030Property 1
2035Property 2
2041Property 3

Plan my property purchases

The passive income you want, as purchases in the years the money is there.

Loan goneInterest paidWhere you finish
Pay it down
Into the offset
Invest instead
Debt recycling

Pay off the mortgage or invest

Paying down, the offset, investing and debt recycling, side by side.

A yearTax saved
Salary sacrifice$10,000$1,700
Personal contribution$10,000$1,700
Up to the cap$19,060$3,240

Put more into super

Salary sacrifice, a personal contribution or up to the cap: the tax each saves.

Try a different choice

What-if modePlus

Change something beside your plan, without touching it.

  • Pay down the loan or top up super; buy now or wait a year
  • Both on one chart, with where each milestone lands
  • Make it the plan, or clear it
Your planWhat-if: $10k a year more to super
Your planWhat-ifRetire20492048Mortgage gone20432045
Clear the what-ifMake this the plan

Keep it up to date

Ask Runway

Describe a change in your own words, and My Runway drafts it.

  • Accounts, loans, milestones, rules for spare cash or a what-if
  • You see what it will do, and say yes first
  • The sums are My Runway’s, never the AI’s

Three questions a month on Free; unlimited on Plus, with fair use.

Add the investment loan, 760k at 6.1%

Here’s what it will do
  • Add a loan: Investment loan, $760,000 at 6.1%
Yes, add itNo, don’t change anything

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

And in every plan

  • Rules for spare cash

    Where extra money goes, in your order.

  • The drawdown order

    Which savings cover a short year, and how far.

  • Loans as they are written

    Offsets, interest-only and refinances.

  • One or two people

    Each person’s income, super and tax.

  • Tax, person by personPlus

    Brackets, offsets, levies and HELP.

  • Your net worth over timePlus

    A snapshot each month, drawn.

  • Share it

    With a partner or an adviser, to edit or view.

  • Export and themesPlus

    CSV, PDF, and dark themes.

Every feature, Free and Plus side by side →

My Runway beside ProjectionLab, Moneysmart and a spreadsheet →

Find your runway.

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

Free to start. No card needed.