Smart Lookahead

Smart Lookahead is a local-first financial projection calculator built for Australia. Enter your income, super, investments, home and life events, and it charts your household's net worth and cash flow year by year - all the way to age 100. It is a factual projection tool, not financial advice. It performs arithmetic on the numbers and assumptions you enter, and shows the projected outcome. You decide what it means for you. WHAT IT MODELS - Income tax and Medicare levy on each person, using current-year brackets - Superannuation: employer SG, salary sacrifice and non-concessional contributions, contribution caps, 15% contributions tax, Division 293 and Division 296 - Retirement: moving super to pension phase up to the transfer balance cap, age-based minimum drawdowns, tax-free pension earnings - Age Pension: the assets test and income test (with deeming, the Work Bonus and a main-residence exemption), assessed automatically from what you enter - Capital gains tax on non-super assets, with the 50% discount, carried-forward losses and the main-residence exemption - Property purchases with a proper principal-and-interest mortgage schedule, sales and downsizing, inheritances, going part-time, children's costs, and more SEE IT CLEARLY - Net worth over time, and a breakdown by cash, shares, super and property - A headline that tells you how long your money lasts - A full year-by-year table you can export to CSV - Today's-dollars or nominal view at a tap COMPARE ANY SCENARIO Duplicate your plan, change anything - retire earlier, buy a home, salary sacrifice more - and overlay both on the same chart. Scenario comparison is built in, not bolted on. PRIVATE BY DESIGN Everything you enter stays on your device. No account, no sign-in, no analytics, no tracking, and the app makes no network requests at all. Back up or move your data with one-tap JSON export and import. EDITABLE ASSUMPTIONS Every return rate, inflation figure, tax bracket, contribution cap and Age Pension threshold is editable, so you can explore "what if the rules change" for yourself. IMPORTANT Smart Lookahead is a general factual projection tool. It is not financial, tax or legal advice, and it does not account for your personal objectives or circumstances. Figures are estimates based on the inputs and assumptions you provide. Tax, super and Age Pension rules change; always confirm current figures with the ATO and Services Australia, and consider licensed advice before making decisions.