Local-first wealth & estateDESIGN PROTOTYPE · FICTIONAL DATA
Your affairs, connected
A clearer picture. On your terms.
Documents, ownership and hypothetical futures in one place.
Fixture cash before property exit
$180,000
AUD · excludes investments & super
Former home · 50:50 ownership
$1,100,000
Hypothetical sale price · not a valuation
Super balances · not liquid cash
$1,100,000
Access and drawdowns separately assessed
Start with the evidence
Income & taxPay, assessments and investment recordsChecklist
Wealth & ownershipProperties, debt, super and entitiesSource-linked
Estate & instructionsWills, nominations and original locationsReview dates
What if Alex retires?
Compare the same property sale with and without Alex's annual salary. See tax, cash flow and liquidity together.
Snapshot: 2026–27 synthetic fixture. The overseas holding and listed-portfolio stress example are separate from the cash-flow fixture.
The document hub
Every number starts with a record.
Check the documents needed for the model. Changes here affect only this sample checklist.
Import and extraction are not implemented. Do not enter real financial information. Confirmed facts will retain source document, page, date and reviewer status.
People, assets & entities
Ownership shapes the calculation.
Legal and beneficial interests need their own effective dates.
Asset / entity
Recorded interest
Model treatment
Former home
Alex 50% · Casey 50%
Individual owners throughout fixture
Super accounts
Alex $650k · Casey $450k
Individual ownership; excluded from cash
Foreign holding (separate illustration)
Alex · USD 50k
Original currency retained
Trust / company
Not supplied
Record structure; tax model not implemented
A restructuring scenario must include possible tax events, duty, transaction costs and legal assumptions. Changing an owner percentage is not a cost-free transaction.
Former home · synthetic Australian property
One property. Several histories.
Physical use, tax elections and valuations are separate records.
Use & election timeline
1 Jul 2012 · Purchased & occupied$600,000 · qualifying main residence assumed
Assumes qualifying absence treatment, no competing main residence, no partial use, no capital losses and unchanged residency. Dates use start-inclusive/end-exclusive intervals. Verify eligibility rather than inferring it.
Timing & accessible resources
Retirement is more than a date.
Compare earnings stopping separately from super access or withdrawals.
Alex · age 61
Salary while working$120,000 / year
Hypothetical cessationStart of 2026–27
Super balance$650,000
Retirement condition of release requires confirmation. No super drawdowns are included in Game-Day.
Casey · age 59
Salary continues$80,000 / year
Super balance$450,000
Access in this exampleNot modelled
The fixture does not project Casey retiring later. It is a static income comparison, not a lifetime sustainability model.
Game-Day · property exit & retirement
Explore the trade-offs.
Same sale on 1 July 2026. Change Alex's employment assumption.
Consequence · AUD
Both working + sale
Alex retired + sale
Incremental household sale tax / levy
Cash after sale, debt & tax reserve
Recurring annual cash surplus / deficit
Static post-sale cash runway
No recurring deficit
280.6 months
If the property is retained
$400k interest-only loan. Gross cash impact; rental-loss tax effects not calculated. Sold-property branches have no loan.
Separate portfolio stress
Separate AUD $100k listed portfolio. Not included in the fixture cash runway; no realised loss assumed.
Resident 2026–27 rates, individual 50% CGT discount and assumed qualifying six-year absence treatment. 2% levy on working incomes; private hospital cover; no HELP, offsets relevant to this fixture, other income, losses or cost-base adjustments. Retirement stops Alex's full-year salary with no termination payments.
Tax reserve is incremental tax on the net capital gain, not total annual tax. Same-day settlement assumed. Runway excludes inflation, returns, future retirement, super withdrawals and foreign holdings; it is a static quotient. See the worked example for sources and arithmetic.
Original currency. Clear provenance.
Overseas holdings, in context.
Retain the source amount alongside its AUD reporting equivalent.
Foreign holding · separate illustration
Original balanceUSD 50,000
Reporting valueAUD 75,000
Rate & quote directionAUD 1.50 per USD
Source / date / methodManual synthetic fixture · 1 Oct 2026 · spot snapshot
Foreign tax paidNot supplied
Australian tax / foreign treatmentNot calculated / not modelled
This rate is illustrative, not a market quote. Reporting conversion does not establish a tax cost base or foreign income tax offset. This holding is outside the property-sale cash-flow fixture.
Privacy-to-analysis flow
Local now. Explicit choices later.
No financial data leaves the device
01Import & extract locally
02Review source-linked facts
03Encrypt documents, records & identity map on disk
04Calculate and display locally
05Create and verify an encrypted local backup
Proposed Mac app: Keychain protects encryption keys; it does not hold the document collection. Browser-only storage needs a separate encryption/recovery design. These controls are not implemented in this prototype.
Reviewed pseudonymised records only
01Remove unnecessary identifiers locally, including TFNs
02Replace identities with stable random vault references
03Preview and explicitly enable the structured outbound record
04Server calculates with pseudonymous financial inputs
05Validate results and restore names locally
Future API/Postgres phase. Originals and identity map remain local. The server can see financial values: this is not zero-knowledge computation. Retention and re-identification risks require explicit design.