Quietwealth is a free budgeting awareness tool, not financial advice.
The AI-generated categorisations, net worth estimates, tax calculations, and observations in this tool are
provided for general educational purposes only and do not take into account your individual
circumstances, financial situation, needs or objectives.
✅This tool reads your uploaded statement, categorises transactions, and reports back what it sees — using Anthropic's Claude AI for analysis.
✅Your file is processed in memory to generate your results, then discarded. We do not store any of your financial data.
✅Anthropic's policy is not to retain or train on data submitted via the API. Your file briefly transits their servers for analysis only.
✅Net worth, tax saving calculations, and benchmarks are estimates based on the brackets and figures you provide, plus published Australian data (ATO, ABS, ASFA 2025–26). Real outcomes will vary.
⚠️AI categorisation and tax calculations are not infallible. Always review the categories assigned to your transactions and seek professional advice for tax matters before acting on any output.
❌This is not a substitute for personalised financial, tax, or legal advice from a licensed professional.
⚠️ Not financial advice. AI-powered analysis for general awareness only. Always consult a licensed financial adviser for personalised advice.View full disclaimer
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Quietwealth
AI-powered statement analysis
"Wealth is what you don't see. It's the cars not purchased, the diamonds not bought, the renovations postponed."
— Morgan Housel, The Psychology of Money
Upload a bank statement (PDF, CSV or Excel) and get an instant breakdown of your spending — categorised, benchmarked against Australian households like yours, and ready to talk through.
📄
Upload PDF, CSV or Excel — Claude reads the rest
📊
Benchmarked against ABS data for households like yours
🔒
Processed in memory, discarded after. Nothing stored.
Quietwealth can give you a snapshot of where you are today, or also project where things might be in 5, 10, or 20 years. Your choice — and you can change it later.
📊
Just current state
See where you are today
Net worth snapshot — cash, super, property, investments
Spending breakdown vs Australian household averages
Recurring expenses identified
Faster setup — fewer questions
📈
With projections
See where you are AND where it's heading
Everything in "current state", plus:
Super at retirement age (current trajectory)
Mortgage payoff date at current rate
Investment growth at industry-average rates
A few extra questions in the profile
⚠️ About projections
✅ What projections ARE
Mathematical calculations using industry-average growth rates published by the ABS, ASFA, and similar bodies. Show what your wealth might mathematically become at stated assumptions.
⚠️ What projections are NOT
Not a forecast — actual market returns vary year to year and cannot be predicted. Not a recommendation to do anything. Not financial advice.
Step 1 of 7
Tell us about your household
Different households have different financial patterns. We'll tailor what we ask based on your situation.
Who lives with you?
🚪
Just me
Living on my own — own place or renting
🏠
Just me, living with parents/family
At my parents' or family home, may pay board
🛋️
Sharehouse
Sharing with non-family roommates
👤
Single parent
Just me with my children
👫
Couple, no kids
Me and my partner
👨👩👧
Couple with kids
Family with children at home
👨👩👧👦
Multi-generational
3+ generations under one roof
✨
Other / complex
Something different
Your living arrangement
About you
P1
You
Primary earner
P2
Your partner
Second earner
Parental leave
If currently affecting income.
✕Not applicable
🤰Currently pregnant
👶On paid parental leave
🏠On unpaid parental leave
💼Returning to work soon
Are you supporting other family members financially?
Beyond your immediate household — parents, adult children, family overseas. Optional.
Child support payments
If you pay child support to an ex-partner OR receive it from one, capture it here. Optional.
👶 I have child support arrangements
Court-ordered or private agreement
↗
I pay support
Goes to my ex
↙
I receive support
My ex pays me
↔
Both ways
Shared arrangement
$/mth
$/mth
Step 2 of 7
Do you have children?
Each child's age unlocks relevant fields — school, childcare, sport, clothing.
✕No children
👶Yes
Step 3 of 7
Do you have pets?
Vet bills, food, grooming and boarding can add up significantly — we'll benchmark by pet type.
✕No pets
🐾Yes
Step 4 of 7
Your home situation
This determines your housing cost fields and offset account options.
🔑RentingPaying rent monthly
🏠MortgageOwner with home loan
✅Own outrightNo mortgage
👨👩👧Living with familyAt parents' home — minimal housing costs
Offset account strategy
An offset account reduces the interest on your mortgage daily. We'll show you how an offset account reduces your mortgage interest — and how different savings strategies can accelerate your payoff date.
Tell us about your home
All optional — but if you fill these in, your report shows your property equity and (if you chose projections) mortgage payoff timeline.
Your mortgage
$
$
Have an offset account?
An offset account balance reduces the interest you pay daily.
$
Your offset balance is treated like savings — it reduces interest charged on your loan.
Tell us about your rental
All optional — but rent is your biggest housing cost, so it matters for your report.
$/wk
Step 5 of 7
Investment property
We'll model rental income, expenses, tax deductions, payoff trajectory and offset scenarios. Includes rentvesting.
✕No
🏘Yes
What the investment property module covers:
Rental income → management fees → mortgage interest → council rates → land tax → insurance → net cash position → payoff trajectory → offset scenarios → annual tax deductions → estimated tax saving.
Tell us about your investment properties
All optional — used for equity, cashflow and (if you chose projections) payoff timeline. Add up to 6 properties.
Step 6 of 7
Income, vehicles & allowances
Your pre-tax salary helps us calculate accurate marginal tax rates and savings opportunities. Vehicles help us track car costs, loans, and novated lease tax savings.
Income
Tell us how you earn money. Different sources are taxed differently and have different patterns — capturing this properly makes the report much more accurate.
P1
Your income
P2
Partner's income
Regular savings & contributions
Money you regularly put away from take-home pay (post-tax). Skip any that don't apply. For couples, capture each person's contribution separately — they may use different frequencies.
How would you like to share your spending?
Choose the path that fits your style. You can change this later — your data stays.
✍️
Declare everything
Tell us category by category. Most control. CSV optional for comparison.
✓
⚡
Hybrid Recommended
Tell us about lumpy bills (rates, insurance, holidays). Use bank statements for day-to-day spending.
✓
📂
Just my bank statements
Upload CSVs — we'll categorise everything. Least typing.
✓
Other regular expenses
Hobbies, gym, charity, personal care, adult learning — anything you spend on regularly that isn't already captured. Add as many as you want. ✨ AI will suggest typical AU amounts as you add items.
Annual & lumpy expenses
Some costs only show up once or twice a year and might be missed in 3–6 months of statements. Add these so V2 doesn't underestimate your real cost of living.
👨👩👧Children & Family▼
🎒 School fees, uniforms & supplies
Across all kids — fees, uniforms, books, excursions, camps
$/yr
👶 Childcare / OSHC
Daycare, after-school, vacation care
$/mo
🎨 Kids' activities & lessons
Sports, music, dance, art, swimming
$/yr
🏠Home & Utilities▼
⚡ Electricity
Average monthly electricity bill
$
🔥 Gas
Heating, hot water, cooking
$
💧 Water rates
Quarterly bill from water authority
$
🏛️ Council rates
Quarterly bill from local council
$
🏢 Strata / body corporate fees
Apartment / townhouse owners
$
🛡️ Building insurance
Home structure insurance (owners)
$
📦 Contents insurance
Belongings inside the home (renters + owners)
$
🛒 Groceries
Supermarket + fresh produce + butcher / fish
$/mo
🌐 Home internet / broadband
NBN, mobile broadband, etc
$/mo
🔧 Home maintenance & repairs
Annual budget for upkeep
$/yr
🚗Transport▼
⛽ Fuel
Petrol/diesel for all vehicles
$/mo
🪪 Vehicle registration (rego)
Per car, per year
$/yr
🚙 Car insurance (comprehensive)
Per car, annual
$
🔩 Car servicing & repairs
Regular service + maintenance
$/yr
🛣️ Tolls
Linkt, EastLink, e-Way etc
$/mo
🚆 Public transport
Opal, Myki, train, bus, ferry
$/mo
🅿️ Parking
Work, residential, casual
$/mo
🚗 Vehicle annual costs (legacy)
Older field — superseded by individual transport items above
$/yr
📱Personal Phones▼
ⓘ Hidden: already captured as employer benefit on the income screen.
📱 Mobile phone (you)
Personal mobile (not work-allowanced)
$/mo
📱 Mobile phone (partner)
Partner's personal mobile
$/mo
🦷Health & Wellbeing▼
🦷 Dental, glasses & specialist health
Out-of-pocket health costs not on PHI
$/yr
✈️Lifestyle & Other▼
✈️ Annual holidays & travel
Family vacations, weekends away
$/yr
🎁 Christmas, birthdays & gifts
Family + friend gifting
$/yr
👕 Clothing & shoes (family)
All household apparel
$/yr
🐾 Pet annual costs
Food, vet, insurance, grooming
$/yr
📝 Other annual cost
Anything else lumpy not listed above
$/yr
🎓Study & Education▼
🎓 Course fees & tuition
Postgrad, professional courses, undergrad fees if paid up-front
$
📚 HELP/HECS balance (informational)
Outstanding HELP debt — repaid via tax automatically
$total
Your HELP repayments are automatically deducted via PAYG based on your income. This figure is for tracking your debt, not added to monthly expenses.
📖 Textbooks & study materials
Books, software, lab fees, online resources
$/yr
🏫 Student amenities fees
University SSAF, student services fees
$/yr
Vehicles
YesOne or more cars / bikes
No vehiclesNo cars to track
Employer allowances
Some Australians receive employer-paid benefits. Tell us what applies — we'll calculate your true out-of-pocket costs.
Your allowances
Self-fundedI pay 100% myself
Fully employer paid$0 out of pocket
Employer allowance (taxed)Paid to me, but taxed
Partly employer paidI top up the difference
No health insuranceNot covered
$/mth
We'll offset this against the health insurance you pay so we don't double-count.
Other employer benefits
Mobile phone plan
Employer reimburses part or all of your phone bill
$/mth
We'll deduct this from your phone expense automatically.
Home internet / NBN
Employer reimburses your home internet
$/mth
Work meals / entertainment
Reimbursable expenses you claim back from employer
$/mth
Partner's allowances
Self-fundedPays 100% themselves
Covered by partner's policyOn partner's family plan — $0 extra
Fully employer paidTheir employer covers it
Employer allowance (taxed)Paid to them, but taxed
Partly employer paidThey top up the rest
No health insuranceNot covered
$/mth
We'll offset this against the health insurance paid so we don't double-count.
Other employer benefits
Mobile phone plan
Employer reimburses partner's phone bill
$/mth
Home internet / NBN
Employer reimburses home internet
$/mth
Work meals / entertainment
Reimbursable expenses partner claims back
$/mth
Step 7 of 7
Superannuation
We'll show you how super contributions are taxed differently to other income, and how Australians generally think about wealth-building order. General information only — not financial advice.
P1
Your super
Concessional cap: $30,000/yr (FY25)
📋 Set this on the income screen — we use the same value across the app to avoid duplicate entry.
$
If you're not sure of the exact amount, leave blank — projection will assume the standard pre-tax cap.
Add your specific super fund and investment option to see how it's performed against APRA's industry medians, and to detect duplicate accounts. Data sourced from APRA's CPPP August 2025.
P2
Partner's super
Concessional cap: $30,000/yr (FY25)
📋 Set this on the income screen — same value across the app.
$
Add their specific super fund and investment option to see how it's performed against APRA's industry medians.
How Australians generally think about wealth building: Emergency fund → High-interest debt → Super contributions → Mortgage offset → Outside investments. We'll show how your inputs compare to this general framework. This is general information only — not financial advice.
Personal insurance
Life, TPD & income protection cover
Tell us about any personal insurance you have. Premiums paid inside super reduce your retirement balance growth. Premiums paid outside super are monthly expenses (and IP outside super is tax-deductible).
💡 Why this matters: Most Australians have default cover through their super (life + TPD, sometimes IP). Many don't know what cover they have or how much they're paying for it. We'll show how premiums fit into your wealth picture.
ⓘ About tax deductibility: Income protection premiums paid outside super are tax-deductible at your marginal rate. Life and TPD premiums are NOT tax-deductible if paid personally. Inside-super premiums are pre-tax (paid from contributions), so the tax benefit is built in but they reduce your retirement balance.
Outside super
Investments outside super
Shares, ETFs, managed funds — anything held outside your super fund. Tells us your full wealth picture. Skip if not applicable.
✕No
📈Yes
Tell us about your investments
Add your specific holdings to see sector exposure, AU vs international split, unrealised gain/loss, and CGT estimate per holding.
Prices update lazily (24-hour cache) when the report is generated.
Stake · Pearler · Selfwealth · CommSec
Supported brokers: Stake, Pearler, Selfwealth, CommSec. Upload your portfolio export — we'll detect the format, show a preview, and you confirm what gets added or updated.
What we use this for: showing your total household net worth (cash + super + property equity + outside investments). Monthly contributions are captured on the next income screen as part of your regular savings. Not a forecast — actual market returns vary.
✅
Profile complete
Your household profile is ready. Next, you'll upload a recent bank statement and Quietwealth will categorise your transactions, benchmark them against households like yours, and report back what it sees.
Drop your bank, credit card and savings CSV exports below — together. Minimum 3 months of data required.
📋 Why CSV only?
CSV exports from your bank are reliable, accurate, and fast to process — Quietwealth can categorise every transaction correctly. PDF statements vary in layout from bank to bank and don't parse reliably; we'll add support in a future version. For now, please download CSVs.
How to download CSV from common Australian banks →
CommBank: NetBank → Transactions → Export → CSV Westpac: Online Banking → Account → Statements → Export → CSV (or "Transaction List") NAB: Internet Banking → Account → Transactions → Export → CSV ANZ: Online Banking → Account → Transactions → Download → CSV Amex: Login → Statements & Activity → Download → "All Transactions" → CSV ING: Settings → Account → Export Transactions → CSV UBank, Macquarie, Bendigo, Bank of Melbourne and most others: look for "Export" or "Download" in your transaction view.
📋 Why 3 months minimum?
To detect what's actually recurring versus a one-off, Quietwealth needs to see at least 3 months of data. With less than that, the report can't reliably tell a regular Coles shop from a one-time IKEA splurge. If you only have 1-2 months of statements, please use the manual tool instead.
📊
Drag your CSV files here
or click to browse — multiple files welcome (up to 20 files, 50 MB total)
Accepted formats: CSV, TSV. PDF and Excel files are not supported in this version.
⏳
Detecting date range across files…
Quietwealth is reading the dates in each file to confirm there's at least 3 months of data.
🔒 Your files are processed in memory and discarded.
Each file briefly transits Anthropic's servers for AI categorisation, then is gone. We do not store your statements, transactions, or account numbers.
Now tell us about your accounts
For each file you uploaded, pick the kind of account it is. V2 has guessed where it can — just confirm or change.
ⓘ Why does this matter?
Knowing your account roles helps V2 spot real income vs internal transfers between your own accounts. Without it, big movements between your accounts can look like spending or income when they're not.