ASSETSXRAY

Free planning resources.

Turn an estimate into a monthly plan.

Build your monthly money checklist

1. List take-home income and essential expenses.
2. Check liquid savings against your emergency fund target.
3. List debts, interest rates and payments; explore a repayment scenario with the loan payment calculator.
4. Choose a savings target and date with the savings goal calculator.
5. Review the plan monthly when income, expenses or rates change.

Download a free monthly planning worksheet (CSV)

Use the worksheet

Open it in your spreadsheet app and enter your figures on your own device. Compare income with essential costs before adding commitments. A surplus can support savings; a shortfall means the plan needs adjustment. Keep account numbers and other sensitive identifiers out of the file.

Look beyond gross property income

Allow for vacancies, maintenance, insurance, property taxes and management before comparing rental income with purchase price. The rental yield calculator estimates income before financing. Use the mortgage calculator to explore a separate fixed-rate payment. Income tax and irregular repairs need additional allowances.