Income
Employment, business, rent, investments, pensions and overseas income.
- Income statements & payslips
- Tax returns & assessments
- Rental & distribution records
Australia-focused · In development
Your wealth.
A clearer picture.
Organise your income, property, investments, superannuation and estate documents in NavLuxeVault. Explore what changes when life changes.
A local-first workspace for complex households, Australian affairs and overseas investments.
Browser vault v0.2.0: local import, encrypted records and backup/restore. Try the separate editable guest demo; native Mac integration is still planned.
Morgan householdIllustrative workspace · fictional dataConcept
Your affairs, organised
Everything has a place.
IncomePay, income & tax records
WealthAssets, debt & ownership
EstateWishes & original locations
Former homePurchase → main residence → rentalHistory linked
Overseas holdingOriginal currency & AUD equivalentUSD → AUD
Phase one is designed to keep financial records on your device.
DOCUMENTS → UNDERSTANDING → POSSIBILITIESBuilt around your records, not a product recommendation.
01 / A place to begin
Less scattered paperwork.
More connected context.
Start with the records you already have. The planned vault links each reviewed financial fact to its source.
Wealth
A view across assets, liabilities, currencies and ownership structures.
- Property, loans & bank records
- Investments & superannuation
- Businesses, trusts & insurance
Estate
Keep important documents and their locations connected to your affairs.
- Wills & powers of attorney
- Beneficiary nominations
- Executor instructions
Manual entry is planned for private equity, fine art and other illiquid assets, with valuation dates, evidence and original currencies.
02 / Privacy, with clear boundaries
Start on your device.
Stay in control.
The first browser vault imports documents, organises manual records and encrypts them locally. No financial records are sent to a processing server.
Browser storage and encrypted backup/restore are implemented. Native Keychain, extraction and financial analysis remain planned.
Explore the privacy-flow screens ↗- 01
Bring records together
Import originals locally and enter source details by hand. Automatic extraction is planned.
- 02
Keep the vault local
Encrypt originals and manual records in browser storage using a passphrase. Native Mac key protection is a later step.
- 03
Organise your records
Search, edit and classify records locally. Financial calculations remain in the separate fictional demo.
- 04
Protect your way back
Download an encrypted backup, verify it locally and restore it into a fresh browser profile.
03 / Game-Day
What changes
when life changes?
Compare hypothetical property exits, retirement, income interruptions, interest-rate rises and market falls. See consequences side by side.
Worked concept · Synthetic Australian household2026–27 fixture
Same property sale. Different employment assumptions.
Both working
- Incremental sale tax & levy
- $10,923
- Recurring annual cash flow
- +$54,960
Alex retires at year start
- Incremental sale tax & levy
- $5,396
- Recurring annual cash flow
- −$36,120
A smaller tax reserve comes with lost salary income. The comparison does not identify a preferred decision.
See the assumptions
Fictional resident household: annual salaries $120,000/$80,000, spending $100,000 and cash $180,000. Former home owned 50:50; first-rental valuation $800,000; sale $1.1m; selling costs $30,000; debt $400,000. Assumed qualifying six-year absence treatment, 730 non-exempt days out of 2,922 after first rental and the individual 50% CGT discount.
Resident 2026–27 income-tax rates and stated Medicare assumptions; no other income, capital losses or relevant adjustments. Alex has no salary in the retired case. No super drawdowns, inflation or investment returns. Same-day contract/settlement is a simplifying assumption. The prototype includes a fuller calculation trail.
04 / Built in stages
A clear path forward.
The design concept
Eight interactive screens, a document checklist and a synthetic property-and-retirement example.
The local browser vault
Document imports, manual records, encrypted browser storage, lock/unlock and backup/restore. Native Mac integration and analysis are still planned.
Connected services
Reviewed pseudonymised server analysis, Open Banking and owner-controlled professional access.
Later server analysis would receive financial values and would not be zero-knowledge computation. Banking connections and accountant access introduce separate, explicit data disclosures.
An early look at NavLuxeVault
Begin with a clearer view.
Start with local records, or explore the fictional design demo.
Open the local browser vault ↗