To get a cashflow estimate, open Cashflow setup and choose Start simplified cashflow. You can complete the steps in any order and return later.
The six steps
- Your household — tell us whether the estimate is for you or you and your partner.
- Income — record annual salary and bonuses before tax, whether salary includes super, and other income. Choose Create entity to add a trust, company or other structure, then enter the income you receive from it. Record rental income with its property instead.
- Rental properties — enter each property’s total rent and costs once. Recorded ownership determines the shares. Link older income or expense entries if they represent the same amounts.
- Spending — estimate regular expenses using the payment frequency that fits each item. Select a shortened expense description to read or edit it in full.
- Loans and repayments — enter repayments and balances. Record HECS/HELP as a balance; compulsory repayments are estimated with tax.
- Review your cashflow — see estimated take-home income, spending and the amount left over.
Choose Save and continue in each input step. Setup progress reaches complete after the five input sections are saved; choose View cashflow to see your estimate. You can also open the review at any time. These answers use the same financial record as your Fact Find: saved changes appear in both places. This shortcut does not submit or complete the full Fact Find. Existing property values and unrelated personal answers are retained.
If someone changes the record while your form is open, saving will ask you to reload the latest answers. Your unsaved edits remain on screen until you choose to reload.
Estimates and actual transactions
Your cashflow estimate uses your recorded answers. Actual bank-feed or imported transactions are kept separately in the transactions dashboard. Entering an estimate does not create a transaction.
Bank connections are marked Coming soon in this setup. You can start with your own figures now without linking a bank account.