Deterministic, not predictive
The model shows one internally consistent path from the inputs and assumptions supplied. It does not predict market cycles, sequence-of-return risk, shocks or human behaviour.
The Moolah ModelDevelopment candidate
See how your future takes shape.
A deterministic Australian household model that connects cashflow, assets, loans, super, tax, goals and editable assumptions into one monthly projection. Every result stays tied to the version and assumptions that produced it.
From your picture to a possible future
- 01Inputs
Your current position, goals and editable assumptions
- 02Monthly ledgers
Income, spending, assets, loans and events move together
- 03Tax + super
Versioned Australian rules are applied where supported
- 04Scenario
One changed choice is recalculated against the baseline
- 05Modelled outcome
The resulting path and trade-offs can be compared
From calculation to understanding
Change an input. Compare the path.
Moolah keeps the everyday plan and longer-term projection connected. A changed assumption or scenario is rerun through the full model, so the comparison reflects the other parts of the household picture.
- 01Review the starting position
- 02Edit assumptions or apply a scenario
- 03Compare modelled outcomes and trade-offs
What it can model
One household. One connected calculation.
The overview stays simple. Open any capability to inspect what sits underneath it.
01A connected household picture
Brings the household's starting position and future commitments into one calculation input.
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A connected household picture
Brings the household's starting position and future commitments into one calculation input.
- People, ages, employment and retirement timing
- Income, cashflow, expenses and cash reserves
- Property, shares, cash, super and other modelled assets
- Loans, repayments, interest, offsets and redraw behaviour
- Goals, life events and planned transactions
02Monthly lifetime ledgers
Moves the complete plan forward month by month, rather than relying on a single end value.
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Monthly lifetime ledgers
Moves the complete plan forward month by month, rather than relying on a single end value.
- Monthly income, spending, saving and investment roll-forwards
- Asset growth, income, expenses and fees
- Loan interest, scheduled repayments and balance changes
- Acquisitions, improvements, sales and settlement cashflows
- A lifetime horizon through the youngest household member's modelled age 100
03Australian tax and super treatment
Applies a versioned Australian configuration to the parts of the plan this release supports.
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Australian tax and super treatment
Applies a versioned Australian configuration to the parts of the plan this release supports.
- Effective-annual rates converted consistently for monthly calculations
- Australian resident tax rates and selected offsets
- Modelled Medicare levy, refundable franking credits and deductible investment costs
- Capital-gains parcels, cost bases, selling costs, losses and eligible discounts
- Super earnings, contributions, fees, tax and access timing
04Editable decisions and scenarios
Lets a household change a defined input and compare the recalculated path without hiding the assumptions.
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Editable decisions and scenarios
Lets a household change a defined input and compare the recalculated path without hiding the assumptions.
- Editable baseline economy, cash, asset and loan assumptions
- Immutable scenario overrides and side-by-side comparisons
- Property-builder and life-event strategy templates with explicit gates
- Cash-shortfall handling and debt-aware funding order
- Three distinct financial-independence definitions
05Versioning and traceability
Makes a result attributable to a precise engine, configuration and set of inputs.
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Versioning and traceability
Makes a result attributable to a precise engine, configuration and set of inputs.
- Pinned engine, configuration, contract and schema versions
- Base-10 decimal calculations with explicit half-up rounding
- Timezone-free year-month periods inside the engine
- Deterministic result hashes for the same input and version
- Checks that fail closed before an invalid result is returned or persisted, with bounded private diagnostics for authorised operators
The evidence behind the model
Trust is earned with evidence.
These figures describe the local engineering assurance run dated 20 July 2026. They are not a promise that every real-world case is covered, and production release gates remain open.
Inspect version 0.6- Package regression
- 266 / 266
- Mutation score
- 87.32%
- Cross-timezone properties
- 2 zones
- Calculation authority
- 1 engine
The complete shared-engine package suite passed in the current assurance run.
1,592 deliberate code mutations tested against an enforced 85% break threshold.
Generated reference and property checks passed in UTC and Australia/Melbourne.
One shared TypeScript engine is the calculation authority across supported surfaces.
What it does not do
Useful because the boundaries are visible.
A deterministic plan can illuminate trade-offs. It cannot remove uncertainty or replace professional judgement.
Tax is an estimate
Resident income tax, selected offsets, Medicare levy, franking credits and modelled capital gains are estimated. It is not a tax return and does not cover every taxpayer, structure, levy, exemption or deduction.
Super is simplified
Super contributions, earnings, fees, tax and access are modelled with disclosed rules. Fund-specific insurance, every contribution edge case and every benefit rule are not represented.
Inputs shape every result
Income, inflation, asset performance, expenses and loan behaviour follow the saved assumptions unless a scenario changes them. Real life can move differently and unevenly.
Household scope
The current scope is an Australian personal or household plan. Companies, trusts, businesses, foreign-resident cases and complete estate planning are outside this version.
Templates are not recommendations
Scenario templates are editable calculation starting points. They do not recommend a financial product, strategy or course of action and do not promise an outcome.
Before relying on a modelled estimate: review the inputs and assumptions, consider the limitations that matter to your decision, and seek appropriately licensed or registered advice where needed.
Full modelling and estimates disclosure