Monthly Shortfall:
~$2,465–3,465/mo
💸 Revenue Gap — Uninvoiced Hosting
You're absorbing hosting & 365 costs that should be passed to clients. This is found money if invoiced properly.
Annual Uninvoiced
$6,133
Hosting + 365 costs
Monthly Found Money
$511
If invoiced now
Close Shortfall By
~15%
Of monthly gap
Per-Client Breakdown:
Cloudways hosting$547/mo → invoice clients
Microsoft 365 seats$~50/mo → pass through
Shopify/hosting misc$~86/mo → on-charge
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 — $618,342 Total
Home Loan
P&I mortgage • 6.64% APR
Monthly: $3,174/mo
Interest/mo: $2,696
Principal/mo: $478
97.4% of original balance remaining
Korellage Dushen
Personal loan • 0% interest
Wants ASAP repayment • No interest burning
Damien
⚠️ HIGH INTEREST • 15% APR
Interest/mo: $467
Due: Dec 2026 (lump sum)
PM Finance (Pat)
Family loan • 0% interest
Flexible repayment • ~$2k offset by website work • No interest
ATO
Payment plan • ~9% interest
Monthly: $300/mo
Interest/mo: $67
Wife's CommBank CC
⚠️ 20.99% APR • Near limit
Min Payment: $120/mo
Interest/mo: $81
Limit: $5,000
NAB Business CC
⚠️ 18.5% APR • Permanently maxed
Min Payment: $120/mo
Interest/mo: $72
Limit: $5,000
"Get Out of Debt" Timeline
| Debt | Balance | Rate | Monthly | Payoff Date | Total Interest |
|---|
Interest Saved by Paying Extra
Debt Payoff Calculator
All 7 debts loaded from D1. Choose a strategy and set your extra monthly payment.
$0$2,000
Month-by-Month Payoff Timeline
| Month | Target Debt | Payment | Remaining | Cumulative Interest |
|---|
Debt Progress
Monthly Cashflow
🚨 Monthly Shortfall: ~$2,465–3,465
Income (~$10-11k/mo) doesn't cover obligations (~$13,465/mo). Every month you fall further behind.
Income
Retainer Clients
$10–11k
Monthly recurring
Project Income
Variable
Sporadic projects
Fixed Monthly Obligations
| Obligation | Amount | Type | Interest/mo |
|---|
| Home Loan (P&I) | $3,174 | Secured | $2,696 |
| Damien (interest only) | $467 | Unsecured | $467 |
| ATO Payment Plan | $300 | Tax | $67 |
| NAB CC Minimum | $600 | CC | $72 |
| Wife CC Minimum | $150 | CC | $81 |
| SUBTOTAL DEBT | $4,691 | | $3,383 |
| Living Expenses (est.) | $3,500 | Personal | — |
| Business Operating | $5,274 | Business | — |
| TOTAL OBLIGATIONS | $13,465 | | $3,383 |
Monthly Shortfall Visual
Income: ~$10,000Obligations: $13,465
26% of monthly obligations are unfunded. You need $3,465/mo more income just to break even.
Cashflow — Last 12 Months
🔥 Interest Burn Tracker
$3,602/month bleeding out in interest alone.
That's $43,224/year — money that buys absolutely nothing. Just the cost of owing.
Monthly Interest Burn
$3,602
Annual Interest Burn
$43,224
Interest Breakdown
| Debt | Balance | Rate | Monthly Interest | Annual Interest |
|---|
| Home Loan | $487,031 | 6.64% | $2,696 | $32,352 |
| Damien | $46,000 | 15% | $467 | $5,604 |
| NAB Business CC | $4,678 | 18.5% | $72 | $864 |
| Wife CommBank CC | $4,633 | 20.99% | $81 | $972 |
| ATO | $8,000 | 9% | $67 | $804 |
| TOTAL | $618,342 | | $3,383 | $40,596 |
| Note: Actual monthly burn varies slightly — home loan P&I includes ~$478 principal |
⏱️ Time Wasted — Hours of Work Just Paying Interest
If you earn ~$50/hr effective rate, here's how many hours each month go purely to interest:
72 hrs
Home Loan Interest
9 working days
9.3 hrs
Damien Interest
1.2 working days
72 hrs
Total Interest/mo
~1.8 working weeks
Nearly 2 full working weeks every month — just paying for the privilege of owing money.
Running Interest Total — 2026
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
⚠️ ATO DEBT: $8,000On payment plan at ~9% interest. ~$300/mo. Get this cleared ASAP.
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
