This development draft explains what Moolah's modelling estimates are designed to do, the assumptions and limitations that can materially affect them, and how a modelled result should be used.
Development draft · 20 July 2026 · Australian legal review required before publicationThis disclosure is a product and engineering draft. It has not been approved by independent Australian financial-services counsel and must be reviewed with the complete customer journey before it is published or relied on as a regulatory position.
Moolah is assessing the complete service against relevant Australian financial-services, credit, tax and consumer-law requirements. Nothing on this page states that a particular exemption or regulatory relief applies.
Moolah produces deterministic planning estimates from information you enter or connect, the choices represented in a scenario, and assumptions you can review. Its purpose is to help you explore how those inputs may interact over time.
A modelled path is not a forecast of what markets, inflation, tax law, interest rates, income, spending or personal circumstances will actually do. It is one calculated outcome under the saved inputs, assumptions and model version.
Moolah's model does not recommend a financial product, lender, super fund, investment, strategy or course of action. Scenario templates are editable calculation starting points, not advice.
No estimate guarantees a return, tax result, retirement date, financial-independence date, borrowing outcome or other future result. Actual outcomes can be materially different.
The current development candidate is Moolah Model 0.6:
The status is Development candidate, not production release. The model overview and permanent version record provide the current capability and assurance detail.
Results depend on the completeness and accuracy of the information in the plan. Missing, stale, duplicated or incorrectly classified information can change an estimate.
The model uses disclosed defaults where an editable assumption has not been changed. Defaults are intended to provide a conservative, usable starting point; they are not a statement that a return, inflation rate, fee, expense or interest rate will occur.
Annual growth and interest assumptions use effective-annual semantics and are converted consistently for monthly calculation. A displayed annual assumption therefore represents the total modelled change over a complete year when the rate is unchanged; it is not applied as the full annual percentage each month.
Inflation is assumed to follow the saved rate rather than an economic cycle. Where a result is presented in today's dollars, future amounts are adjusted using that saved inflation assumption. Nominal and today's-dollar figures should not be compared without checking the label and basis.
Tax is an estimate, not a tax return. The current Australian configuration estimates selected resident individual income-tax components, offsets, Medicare levy, franking credits, deductible investment costs and capital gains represented by the model.
For a modelled asset disposal, the engine applies available modelled losses and any eligible modelled discount, then includes the resulting taxable gain in the person's estimated taxable income for the financial year of disposal. The resulting tax effect depends on that year's modelled marginal position.
Seek a registered tax agent for advice about how tax law applies to your facts and before relying on a tax estimate for a transaction or return.
Super is modelled using the supported contribution, earnings, fee, tax and access assumptions. The estimate is simplified and does not reproduce every fund rule, insurance premium, contribution edge case or benefit condition.
Financial independence is not a single universal definition. Moolah separates drawdown, capital-sustaining, and income-only gates. Each is a modelled threshold under the saved horizon, spending, tax, super-access and return assumptions; none is a promise that a person can or should stop working at that time.
Before relying on a modelled estimate, you should:
A result is tied to the engine, Australian configuration, input and output schema, and saved inputs that produced it. When a calculation can change, the engine or configuration version must change. Released version records are intended to remain available so prior results can be traced.
Internal checks are designed to fail closed before an invalid result is returned or persisted. Failed checks create bounded private diagnostic and incident evidence for Moolah's authorised operators. Customer-facing error messages should explain that a result was not produced, preserve an incident reference where safe, and avoid exposing private financial data or internal system detail.
If Moolah discovers a material calculation error, the appropriate response may include stopping the affected calculation, preserving evidence, correcting and retesting the engine, issuing a new version, and notifying affected customers where required. The complete incident and customer-notification process remains a release gate for the development candidate.
The following official materials are relevant reference points for the legal review. Their inclusion does not state that Moolah qualifies for, or relies on, any particular relief.
If an estimate appears incorrect, do not act on it. Record the model version, scenario and incident reference shown by Moolah, then contact ryan@moolah.so. Do not send passwords, banking credentials or unnecessary account details by email.
Moolah may update this disclosure as the engine, interface, legal review and regulatory requirements develop. A material model change will be represented by a new version record rather than silently changing an existing released calculation record.