Quietwealth Upload is a free budgeting awareness tool, not financial advice.
The AI-generated categorisations, benchmarks 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.
✅Benchmarks are based on published Australian data (ABS, ASFA, CCS, 2025) and are general averages — not personalised advice.
⚠️AI categorisation is not infallible. Always review the categories assigned to your transactions before drawing conclusions.
❌This is not a substitute for personalised financial 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
"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.
This shapes how we analyse your statement — only relevant fields will appear.
Income earners
👤Just meSingle income
👥Two of usDual income
About you
P1
Person 1
Primary earner
P2
Person 2
Second earner
Parental leave
Applies to singles and couples — including single parents.
✕Not applicable
🤰Currently pregnant
👶On paid parental leave
🏠On unpaid parental leave
💼Returning to work soon
Caring for an elderly parent or family member
The sandwich generation — juggling your own family costs while supporting ageing parents.
✕No
🧓Yes
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.
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.
Step 6 of 7
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
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
Novated lease
Pre-tax salary deduction — comes out before take-home pay
$/mth
This comes out of your salary before tax — do not include it again in transport expenses.
$/yr
Used only to estimate your marginal tax rate and novated lease saving — not stored anywhere.
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
Other employer benefits
Mobile phone plan
Employer reimburses partner's phone bill
$/mth
Home internet / NBN
Employer reimburses home internet
$/mth
Novated lease
Pre-tax salary deduction for partner's vehicle
$/mth
$/yr
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)
P2
Partner's super
Concessional cap: $30,000/yr (FY25)
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.
✅
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.
Drag a recent bank or credit card statement onto the area below — PDF, CSV or Excel. Quietwealth processes the file, categorises your transactions, and reports back.
📄
Drag your statement here
or click to browse — PDF, CSV, XLSX, XLS or TSV (up to 10 MB)
📄
🔒 Your file is processed in memory and discarded.
The file briefly transits Anthropic's servers for AI categorisation, then is gone. We do not store your statement, your transactions, or your account numbers.
Reading your statement…
This is a placeholder for session 4. The next session wires this to Claude for real AI categorisation.
Session 3 complete. Your file was successfully selected and previewed. The next session adds the Netlify serverless function that calls Anthropic's Claude API to do the actual analysis.