Privacy Policy

WealthModel ("we", "us") is operated by an individual based in Australia. This policy explains what information we collect when you use WealthModel and how it's used.

Information we collect

• Account information — your email address and, if you sign in with Google, your name and profile photo. Handled by Firebase Authentication (Google).
• Financial planning data you enter — income, expenses, property details, superannuation balances, budget entries, and similar figures you type into the calculator. This is used solely to run your calculations and to save your plan so it's there next time you sign in.
• Payment information — handled entirely by Stripe. We never see or store your card details ourselves.
• Basic usage/technical data — standard logs (e.g. IP address, browser type) collected automatically by our hosting providers.

How we use your information

To operate the service (run your calculations, sync your plan across devices), process subscription payments, and respond to support requests. We do not sell your data, and we do not use your financial figures for advertising.

Third-party services

• Firebase / Google Cloud — authentication and data storage (Firestore)
• Stripe — subscription billing
• Render — backend hosting for the calculation engine
• GitHub Pages — frontend hosting

Each of these providers has its own privacy policy governing how they handle data on our behalf.

Data storage & security

Your data is stored using Google Cloud infrastructure (Firestore). We take reasonable steps to protect it, but no method of storage or transmission is ever 100% secure.

Cookies & local storage

We use your browser's local storage to keep you signed in and remember your preferences. We don't use third-party advertising trackers.

Your rights

You can access, correct, or delete your data at any time. To request deletion of your account and all associated data, email us using the Contact tab.

Children's privacy

WealthModel is not directed at, and we do not knowingly collect data from, anyone under 16.

Changes to this policy

We may update this policy from time to time. Continuing to use WealthModel after a change means you accept the updated policy.

Terms of Service

1. Acceptance of terms

By using WealthModel, you agree to these terms. If you don't agree, please don't use the service.

2. What WealthModel is

WealthModel provides general information only and is not financial, legal, taxation, or investment advice, and is for educational purposes only. The calculations and projections are estimates based on the figures and assumptions you enter — they are not guarantees of any future outcome. You should not rely on WealthModel to make financial decisions, and should consult a licensed financial adviser, accountant, or other qualified professional before acting on anything you see here.

3. Your account

You're responsible for keeping your login details secure and for the accuracy of the information you enter. You must be at least 16 years old to create an account.

4. Subscriptions & billing

WealthModel offers a free tier with limited features and a paid "Pro" tier billed monthly or annually via Stripe. Subscriptions renew automatically until cancelled. You can cancel anytime — your Pro access continues until the end of the period you've already paid for, and we don't provide partial refunds for unused time.

5. Acceptable use

You agree not to use WealthModel for any unlawful purpose, attempt to breach its security, or reverse-engineer the underlying software.

6. Your data, our software

The financial data you enter is yours. The WealthModel software, branding, and calculation methodology belong to us.

7. No warranty

WealthModel is provided "as is". While we aim for accuracy, calculations may contain errors or rely on assumptions that don't match your real circumstances. We make no warranty that the service will be uninterrupted or error-free.

8. Limitation of liability

To the maximum extent permitted by law, we are not liable for any financial loss or other damages arising from decisions made based on WealthModel's output.

9. Termination

We may suspend or terminate accounts that violate these terms.

10. Governing law

These terms are governed by the laws of Australia.

11. Changes to these terms

We may update these terms from time to time. Continuing to use WealthModel after a change means you accept the updated terms.

How the Model Works

The engine

WealthModel runs a month-by-month simulation from today to your chosen end age. Every month it pays your salary, deducts tax, pays living costs and mortgages, collects rent, contributes to shares and super, grows every balance at your assumed rates, and checks whether you've reached financial independence. Nothing is a shortcut formula — it's a full simulation, which is why things like paying off a loan mid-journey or buying a property in 2031 are handled properly.

Tax

Income tax uses the current Australian resident brackets (15% / 30% / 37% / 45% for 2026–27) plus the 2% Medicare levy with its low-income phase-in, the Medicare Levy Surcharge tiers, and LITO. The projection applies the legislated future cuts in the year they take effect — the first bracket falls to 14% from 1 July 2027. HELP debts use the post-2025 marginal repayment system (15c per dollar over $67,000). Pre-tax super contributions reduce taxable income. Investment property losses offset your salary (negative gearing). Capital gains on property sales apply the 50% discount before 1 July 2027 and the legislated post-2027 rules (CPI cost-base indexation with a 30% minimum rate) after, including the split treatment for properties held across the boundary and the PPOR main-residence and six-year-rule exemptions.

Superannuation

Employer SG contributions (12%) are taxed 15% on the way in, as are salary-sacrifice extras. Super grows at your assumed after-fees rate and becomes drawable at your access age (60 for most people), tax-free in drawdown.

Property

Each property has its own loan amortisation (principal + interest at your rate and term), rent with vacancy and agent-fee allowances, running costs, growth rate, and optional offset account — your cash balance is allocated across offset-enabled loans to reduce interest, mirroring how offsets actually work. Future purchases deduct the deposit and fees in the purchase month; sales settle the loan, selling costs, and CGT.

The FIRE test

You reach FIRE in the first month where your passive cashflow — net rent, a sustainable stock drawdown (your SWR), and super drawdown once accessible — covers your inflation-adjusted target lifestyle income, after tax and any remaining loan principal payments. From that point the simulation stops your salary and contributions and lives off the portfolio, so you can see whether the plan actually holds to end age, not just the crossover moment.

What it deliberately simplifies

Returns are smooth (no market crashes — consider your rates conservative averages), dividends aren't taxed during accumulation (use an after-tax growth rate), the concessional super cap isn't enforced, and future tax brackets aren't indexed. It's a planning model, not a prediction — assumptions dominate outcomes, which is why every rate input shows a recommended range.

What's New

July 2026

• Full calculation audit — every engine re-verified against independent recomputes and official references (ATO, Revenue NSW, state duty calculators). Fixes: FY 2026–27 brackets with the legislated 15% rate, indexed MLS tiers ($101k/$118k/$158k), the raised Medicare low-income threshold, the 2025–26 NSW duty schedule, and the new HELP marginal repayment system.
• Quick Tools — four free, no-signup calculators: investment property net cost (with offset, depreciation, vacancy and negative gearing), borrowing power & stamp duty (all 8 states, LMI estimate, rate-sensitivity chart), offset & extra repayments (payoff chart), and rent vs buy (break-even chart, selling costs and tax drag included).
• Budget ↔ FIRE linkage — the Overview now shows wealth built (invested / super / home equity stacked) against your FIRE pace, mortgage rows auto-split interest vs principal from your loan, and a "$X ahead / behind your plan" banner tracks your actual position.
• Desktop Model workspace — inputs now dock beside the chart with optional auto-run, so you can see your FIRE age respond as you type.
• Bank statement import — upload a CSV and expenses auto-sort into budget categories (learns your merchants over time). All in-browser, nothing uploaded.
• Install as an app — WealthModel is now installable on your phone/desktop from Settings.
• Full mobile redesign — bottom tab bar, card-based budget editing, full-screen model chart.
• Budget templates — save your standard month and stamp it onto any month.
• Tax engine updates — 2025–26 Stage-3 brackets, Medicare levy, 12% super guarantee, pre/post-tax super contributions, vacancy & agent fees on rentals.
• Accuracy fixes — net worth counts property equity (not gross value) exactly once; planned future purchases no longer inflate today's position.

June 2026

• Life events (income/expense changes, windfalls), per-year stock contribution overrides, scenario comparison overlays, property CGT with the July 2027 reform, and the FIRE progress dashboard.

Contact

For support, billing questions, bug reports, or general feedback, email us at:

hello@wealthmodel.io

We aim to respond within a few business days.