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The Long Weekend Plan

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The free version is a fully working plan: enter your figures quickly or account by account, load your statements and see your plan for life. Plus adds the detail that helps you act on it: Plan Confidence and stress tests, every chart with your own figures, the detailed PDF and Excel workings, and every action on the Strategy tab.

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What happens next

What’s included

Create your plan free, then upgrade to Plus to extend it with an extensive range of extra features. Your plan carries straight across.

Included free

New in The Long Weekend Plan

  • Cash accounting: unused income carries forward into future years
  • Income shortfalls covered from super first, then cash, then shares (sold last)
  • Work Bonus bank tracking for the Age Pension income test
  • Choose how long to look into the future: Short (15 years), Medium (30 years) or Max (to age 92)
  • Graph-based contribution planning over several years
  • Personal transfer balance cap tracking, with pension transfers capped automatically
  • Improved planning graphs:
    • Financial assets, cash, property and debt
    • Individual properties, loans and accounts
  • Easy planning of property sales and loan repayments
  • Your Income Plan and Financial Assets Balance charts
  • Today’s or future dollars: show the plan’s amounts in today’s dollars (inflation taken out) or as they will be in each year
  • A year that spends more cash than you have is flagged as needing attention, and the plan never moves money behind the scenes to cover it
  • “How money moves in your plan”: every automatic movement of money explained
  • Quick Setup or Detailed Setup: type rough totals, or enter your plan account by account
  • Statement import: load your bank and portfolio statements and check what was read
  • Multiple:
    • Properties
    • Cash accounts
    • Super funds
    • Share portfolios
    • Loans
  • Ownership and transaction routing for each account
  • Separate industry / retail super and SMSF account modelling, with the SMSF’s cash account earning its own rate
  • Rate of Return: a Conservative, Balanced or Growth profile for each portfolio and super fund
  • Spending by category, including loan commitments
  • Salary and other income, by source
  • Annuities and defined benefit pensions, including reversionary pensions
  • Your historical statement income compared with your planned income
  • Each portfolio’s yearly rate of return, dividend return and dividend calendar, calculated from your statements
  • Investment-property capital gains tax, capital-loss carry-forward and the 1 July 2027 property transition
  • Renting after selling the family home

Plus adds

Everything in Free, plus

  • Plan Confidence: the probability that your desired retirement income is fully funded, from 200 or more randomised market-return paths
  • Stress tests: a poor first decade, market crashes and a random run of returns, the risk of a market fall soon after you retire
  • All seven results charts with your own figures: also net worth, calculated withdrawals, excess cashflow to cash, tax, and loans and offset accounts
  • Exact figures when you hover over a chart
  • Each year’s cash summary on the Strategy tab: every money movement, line by line, with its cash graph
  • The charts account by account: each super fund, share portfolio and cash account by name
  • The detailed PDF workings: the year-by-year planning, income and tax tables
  • The workings spreadsheet (Excel): every figure worked out with visible formulas
  • Multiple planning scenarios
  • Modelling the death of one partner
  • Separate super accumulation and pension phases, and transfers between them
  • A pension drawdown age separate from your retirement age
  • Month of birth, retirement month and super drawdown month for more accurate transition years
  • Spending and income that change over time: redraw them year by year
  • Rate of Return over time: mix profiles at different ages, draw your own path year by year, and set your own profiles
  • Transition to retirement pensions: from 60 while still working, 4% to 10% of your super a year, tax-free
  • Buying a lifetime annuity on the Strategy tab
  • Easy property purchases from the plan:
    • Buy a property in a future year
    • The purchased property becomes a real asset in your forecast
    • Its value, rent and ownership flow through the future plan
    • The resulting cash and tax effects