Net Worth: -$30,645
Revenue Trend (Last 12 Months)
Expense Breakdown
Cash Flow — Last 3 Months
Monthly Income vs Expenses
Top Expenses (Ranked)
| # | Category | Monthly | Annual | Class |
|---|
Revenue Sources
Real P&L (Excluding Transfers/Loans)
True Revenue
$17,500
Monthly avg (ex transfers)
True Profit
-$2,100
Revenue minus all expenses
Monthly Trend
All Debts
NAB Credit Card
Revolving credit • 18.5% APR
Min Payment: $120/mo
Interest/mo: $72
Interest/yr: $864
Koralage Tissera Loan
Personal loan • 0% interest
Monthly Payment: $500/mo (no interest!)
ATO Tax Debt
⚠️ NEEDS ASSESSMENT
⚠️ No BAS or tax return found. ATO liability is unknown — this is a ticking time bomb.
Debt Payoff Calculator
Debt Avalanche vs Snowball
❄️ Avalanche (Highest Rate First)
1. Pay off NAB CC ($4,678 @ 18.5%)
2. Then ATO (unknown rate)
3. Then Koralage ($26k @ 0%)
Saves the most interest overall
⛄ Snowball (Smallest Balance First)
1. Pay off NAB CC ($4,678)
2. Then ATO (unknown)
3. Then Koralage ($26,000)
Quick wins build momentum
"Get Out of Debt" Timeline
| Debt | Balance | Rate | Monthly | Payoff Date | Total Interest |
|---|
Interest Saved by Paying Extra
Total Interest Paid
$1,928
Aug 2024 – Mar 2026
Personal Spending Est.
~$500/mo
Average on business CC
CC Balance Trend
Full Timeline (Aug 2024 – Mar 2026)
| Month | Opening | Payments | Purchases | Interest | Closing |
|---|
Balance Transfer Calculator
If you transferred $4,678 to a 0% card for 18 months at 2% transfer fee:
New Monthly
$260/mo
To clear in 18 months
Payoff Scenarios
Tax Estimator
⚠️ WARNINGNo BAS or tax return found. ATO debt unknown. This is a ticking time bomb — get a tax assessment done immediately.
GST Estimate
Based on ~$210k revenue (GST-registered):
GST Collected
$19,091
10% of revenue
GST on Expenses
-$14,182
Estimated
Net GST Payable
$4,909
Quarterly ~$1,227
"What You Should Be Putting Aside"
Can You Afford to Pay Yourself?
RED = Personal on Business
ORANGE = Redundant/Overlapping
GREEN = Legitimate Business
✂️ Cut These Now