Turn your household numbers, work situation and goals into a clearer picture of how reliant your lifestyle is on your salary, and which path toward greater freedom may be worth exploring.
Work through each section in order. Your totals update as you go, and at the end you’ll receive a snapshot of your Salary Dependence Gap, non-salary income coverage, indicative runway, Freedom Score and the path you’re most interested in exploring.
| Expense | Monthly amount | What to include |
|---|---|---|
| Mortgage / rent | Your regular monthly home loan or rent payment. | |
| Groceries & household | Food, household supplies and regular family essentials. | |
| Utilities | Electricity, gas, water, internet, phones and similar bills. | |
| Transport | Fuel, public transport, registration, servicing and regular vehicle costs. | |
| Insurance | Home, car, health, life and other ongoing insurance premiums. | |
| Childcare / education | Childcare, school fees and regular education expenses. | |
| Debt repayments | Personal loans, credit cards and other required repayments. | |
| Health / personal | Medical, pharmacy, fitness, personal care and similar regular costs. | |
| Lifestyle / subscriptions | Dining out, entertainment, streaming, memberships and recurring lifestyle spending. | |
| Other regular spending | Anything important not already captured above. | |
| Desired monthly saving / buffer | An amount you would ideally keep saving rather than reducing your lifestyle to bare minimum. | |
| Monthly Freedom Requirement | $0 | |
| Income source | Monthly amount | What to include |
|---|---|---|
| Partner / household income expected to continue | Only include income you reasonably expect to continue if your employment changes. | |
| Business income - reliable portion only | Use a conservative recurring amount, not your best month or optimistic forecast. | |
| Investment / rental income | Include only dependable income you are comfortable relying on. | |
| Other reliable income | Any other recurring income likely to remain available. | |
| Reliable non-salary income | $0 | |
| Input | Amount | What to include |
|---|---|---|
| Accessible cash you are comfortable treating as runway | Cash you could genuinely access if needed. Avoid automatically including emergency reserves you would not want to use. | |
| Indicative runway | N/A | |
Drag each slider from 1 to 5. The midpoint starts at 3 so you can move through the questions quickly. This is a reflection exercise, not a financial risk rating.
Choose the option that feels most relevant right now. You are not committing to it. This simply helps identify which direction you may want to explore first.
Your current Salary Dependence Gap is $0 / month. Rather than trying to solve your whole career at once, use the next 90 days to test one move that could narrow that gap, increase flexibility, or create useful evidence about your next path.
Think about the assets you may already have from your career - skills, qualifications, industry knowledge, relationships, systems you understand, or problems people repeatedly rely on you to solve.
Here is your immediate snapshot. These four indicators give you a useful first view of how dependent your current lifestyle is on salary income and how much financial breathing room you may have.
These numbers are simplified planning indicators only. They do not tell you whether it is safe or appropriate to resign, reduce work, borrow, invest or make another major financial decision.
You have already done the work. Your numbers are calculated. Enter your details once to unlock the complete personalised plan immediately on this page and receive a PDF copy by email.
Inside the full plan, use sliders to change your offer price or hourly/session rate and instantly see how many sales or paid sessions could contribute toward your target.
*Illustrative example only. Your calculator uses the target, tax assumption and offer economics you select.
Instant access on this page • PDF copy by email • 100% free • No spam
Monthly Freedom Requirement: $0
Reliable non-salary income: $0
Path you're exploring: Not selected
Your strategic 90-day move: Not entered
A visual snapshot of your current financial flexibility and personal readiness. These are educational planning indicators, not a recommendation to change employment.
Higher percentages indicate an area that may deserve more attention or experimentation.
This is not a fixed psychological diagnosis. It is a simple way to visualise movement from feeling stuck toward having more evidence, options and sustained choice.
Explore how two simple levers could change your Salary Dependence Gap. This is a scenario tool only. It is not a forecast or recommendation.
Your Freedom Plan has shown the gap between your current household requirement and the reliable non-salary income you entered. Instead of treating that as one intimidating number, break it into a target, then explore what a small business or service income stream could look like in practical terms.
Based on the figures above, this is the approximate monthly amount that would need to be bridged for your current household requirement to be covered without relying on salary income.
You do not have to solve it all at once. Try 25%, 50% or 100% and see how the numbers change.
This simply grosses up the after-tax target so you can compare it with business profit before tax. It is not a personal tax estimate.
Examples could include a digital product, workshop, consulting package, coaching offer, design service or another defined offer.
That is about 0 per week, or 0 across a year.
$0Examples could include consulting, freelancing, coaching, advisory work, tutoring, contracting or another service.
That is about 0 per week, or roughly 0 per working day.
$0Illustrative scenario only. The tax rate is adjustable and is not a personal tax estimate. Calculations assume the price or hourly amount shown is available as profit before tax after direct costs. They do not include GST, superannuation, business overheads, payment fees, advertising costs or other expenses unless you have already allowed for them in the amount you enter. Consider appropriate tax and professional advice for your circumstances.