Qantas Money
Premier Platinum
How travel cards work
80k pts
Welcome offers can accelerate a travel goal.
Goal progress
44%
Annual fee
$349
Bonus hurdle
$5,000 / 90d
Hurdle fit
100%
Transfer path
Direct to qantas
Built for Australians · FY 2025–26
Keep More
Money.
See your real take-home pay, find every deduction, and watch one number — your net tax return — grow as you make smarter money moves.
Every number ATO-referencedNo sign-upFree forever
Net tax position
Net tax saved across all strategies
+$4,380
FY 2025-26 compared with no strategies
Salary sacrifice (net of 15% tax)+$1,750
Deductions ($1,840 @ 32%)+$590
CGT 12-month discount+$2,040
Super Analyser+$1,750 net benefit
$67,012take-home / year
Helping you find
$0
extra, back in your pocket towards your goals.
The problem
Your money is everywhere.
Your picture is nowhere.
The aftertax suite
One feed. One picture.
One number.
C
CommBank
Everyday · ····2841
Salary+$5,584.30
Woolworths-$84.20
Transfer to ANZ-$400.00
ANZVisa
···· 7305
Owing $1,212 · due 28 Jun
statement in a second appAMEX
Membership Rewards
134,920 pts
···· 1005
points expiring quietlyOFFICEWORKS
Standing desk$84.50
incl. GST$7.68
S
CommSec
VAS$24,800+18.5%
NDQ$26,400+34.0%
aftertax
The calculation, from your real ledger
Net tax position
+$4,380
Salary sacrifice (net)+$1,750
Deductions flagged in Budget ($1,840 @ 32%)+$590
CGT 12-mo discount (Portfolios)+$2,040
Keep scrolling ↓
after Tax Calculator
Easy take-home pay modelling for Australian PAYG income, deductions, super, Medicare and capital gains.
- Salary sacrifice, deductions, rental and CGT in one view
- A single net tax position that updates as you tweak
- Plain-English explanations with ATO source links
Income
Gross salary
$85,000
AnnualMonthly
Income tax$16,288
Medicare levy (2%)$1,700
Take-home$67,012
Deductions$1,840 → +$590 tax saved
Capital GainsNot configured
+$4,380net tax saved
after Budget
Know where your money goes, compare cashflow scenarios and keep your spending plans tied to real outcomes.
- Spending categories and account views built for daily review
- Scenario planning for cashflow-only what-if decisions
- A clear left-to-spend rhythm for repeated check-ins
Cashflow Sankey · June 2026
June cashflow modelled from gross income through net income and spending categories.
after Travel
Your points, finally in one place. Track every program balance, model what your points are really worth, and find the next card bonus worth churning — then turn it all into flights.
- Track points balances across Amex, Qantas and Velocity in one view
- Compare welcome bonuses, fees and earn rates — churn with the numbers
- Time your spend to clear each bonus alongside your Budget
View decision-ready facts
Westpac
Altitude Qantas Platinum
How travel cards work
75k pts
Welcome offers can accelerate a travel goal.
Goal progress
42%
Annual fee
$250
Bonus hurdle
$4,000 / 90d
Hurdle fit
100%
Transfer path
Direct to qantas
ANZ
Frequent Flyer Platinum
How travel cards work
75k pts
Welcome offers can accelerate a travel goal.
Goal progress
42%
Annual fee
$295
Bonus hurdle
$2,500 / 90d
Hurdle fit
100%
Transfer path
Direct to qantas
American Express
Platinum Card
How travel cards work
200k pts
Welcome offers can accelerate a travel goal.
Goal progress
67%
Annual fee
$1,450
Bonus hurdle
$5,000 / 90d
Hurdle fit
100%
Transfer path
2:1 into asia-miles
St.George
Amplify Qantas Platinum
How travel cards work
70k pts
Welcome offers can accelerate a travel goal.
Goal progress
39%
Annual fee
$250
Bonus hurdle
$4,000 / 90d
Hurdle fit
100%
Transfer path
Direct to qantas
Bank of Melbourne
Amplify Qantas Platinum
How travel cards work
70k pts
Welcome offers can accelerate a travel goal.
Goal progress
39%
Annual fee
$250
Bonus hurdle
$4,000 / 90d
Hurdle fit
100%
Transfer path
Direct to qantas
BankSA
Amplify Qantas Platinum
How travel cards work
70k pts
Welcome offers can accelerate a travel goal.
Goal progress
39%
Annual fee
$250
Bonus hurdle
$4,000 / 90d
Hurdle fit
100%
Transfer path
Direct to qantas
after Portfolios(Coming Soon)
Track every holding in one place and preview the tax on a sale before you make it — not at tax time. Portfolio tracking is on the way.
- Shares, ETFs and crypto in a single view
- Live capital-gains estimate, including the 12-month discount
- Flows straight into your tax position
Coming soon
Portfolio · illustrative
Total value
$60,350+26.7%
VAS
Vanguard AUS Shares
52 units
$24,800
+18.5%
NDQ
BetaShares Nasdaq 100
75 units
$26,400
+34.0%
BTC
Bitcoin
0.09 BTC
$9,150
+31.0%
Est. CGT if sold today-$2,040 with 12-mo discount
+$12,735unrealised gain
Avocado · the companion app
The money app that knows Australian tax.
Other apps stop at “you spent $412 on dining”. Avocado flags your deductible spending, keeps your streak alive and shows what's actually safe to spend — in your pocket.
9:41🥑
G'day, Robert 🥑
RMoney stub · June
Your month, end to end
Salary+$3,250
VAS distribution+$112
Total earned$3,362
Tax set aside−$640
Living & spending−$1,510
Net kept this month
+$1,212
Kept 36%↗ 12% vs last month
🔥 SAVING STREAK
12
weeks in a row
8 avocado toasts banked 🥑
🥑🥑🥑🥑🥑🥑🥑🥑🥑🥑
Next reward · 16 weeks4 to go
Closest goal
🗾
64%
Japan trip
$3,840 of $6,000 · by Mar
Today's lesson📚
Concessional vs non-concessional super
Lesson 4 of 6 · Super & Wealth
Start →
← swipe through your cards →
HomeRecordsStatsLearnGoals
Your whole month
Coming soon to Google Play
Real moments
Money is for the living part.
Every dollar aftertax finds is a dollar that goes back into coffee with friends, the trip you keep postponing and the goals you actually care about.
Maya, 26 · Sydney
Swept her work-from-home spending into flagged deductions between flat whites.
Tom, 29 · Melbourne
Timed one card bonus to everyday spend — points carried him up the Great Wall.
Priya, 24 · Brisbane
Decoded her first payslip, set up salary sacrifice in month one, kept climbing.
Your money, working harder.
See, Manage, Grow.