Twenty minutes with AI · 2026
A whole financial model,
built in twenty minutes.
A couple, both 35. Three kids. A mortgage. Three goals that quietly compete for the same dollar: educating the children, a comfortable retirement, and something left at the end. Add a renovation. Add a holiday. Watch which goal breaks first.
This started as a single plain-language prompt, then a few rounds of correction — preservation rules, how a lump sum gets funded, the order things get paid. The modelling collapsed to almost nothing. What was left was judgement. That's the part worth sitting with.
The Inputs
Income
Plan
Mortgage
Living costs
Estimate your annual household spend
Rough monthly figures. We'll annualise and write the total back to the slider. This excludes the mortgage and education — those are handled separately above.
Housing & utilities (rates, power, water, insurance)
Groceries & household
Transport (fuel, rego, servicing, transport)
Insurance & health (private health, life, medical)
Children (activities, care, clothing — not school fees)
Lifestyle (dining, holidays saved monthly, hobbies)
Subscriptions & comms (phone, internet, streaming)
Other / buffer
Estimated annual spend—
Education
One-off expenses
Enter an amount and the calendar year it happens. The model funds it from savings or super and reflows everything.
Markets
What it returned
Retirement income
Children's education
Estate at 90
Annual surplus (year one)
Years spent in deficit
Super at retirement
Income lasts until
Total spent on education
One-off expenses funded
Which goal is at risk
The picture over time
Net wealth across their life
Mortgage payoff timeline