PlanLens · Model cross-check
Validation & audit
PlanLens is checked against a separately implemented spreadsheet model. The same household scenarios are calculated independently in both models, then compared year by year across balances, income, tax, pension, debt and cash flow. Both models were built by the same author; “independent” on this page means separately built and calculated, not reviewed by a third party. These checks test that the two models agree; they do not make the forecasts predictions, and the calculator is not intended to be relied on for a decision about a financial product (see About this calculator).
PASS: Generation 2 release model validation complete
317/317
core scenarios passing
137/137
targeted scenarios
195/195
specialist assertions
322/322
application regressions
739,766
annual comparisons
$0.013
largest core difference
Audit basis
Independent spreadsheet model
Generation 2 independently calculates the annual cash, super, shares, property, debt, tax and pension ledgers. Its results are produced separately from the PlanLens application.
Current validation run: 23 October 2026
PlanLens calculation engine
The PlanLens calculation engine is run against exactly the same scenarios. The annual results are then compared directly with the independent spreadsheet outputs.
The published results below relate to the current validated release.
Cross-check passed. The current PlanLens results and independent spreadsheet results pass the published comparison and reconciliation checks.
Scenario design
137 targeted scenarios pin down specific rules and failure modes. 180 deterministic generated scenarios then sweep household type, home ownership, life phase, super levels and combinations of cash, shares, property, loans, returns, Work Bonus, overseas pensions, contributions and strategic transactions. The generated set is seed-fixed and repeatable.
159 Couple157 Cash130 Shares124 Franking110 Single103 Rental income98 Rental property96 Working91 Non homeowner90 Homeowner88 Work bonus85 Other income84 Retired78 Residence67 SMSF mix62 Carryforward60 Varied super returns59 Investment loan59 Deductions45 Overseas pension indexed44 Home loan43 Overseas pension frozen41 Varied inflation36 Young36 Preret36 Midret33 Varied centrelink indexing32 NCC27 Tax26 Extra CC25 Age pension25 Varied property growth25 Varied rent growth24 Mid24 Newret24 Deepret21 Varied tax indexing17 Cash settlement17 Annuity16 Death15 Downsizer14 Share sale13 Db pension12 Property12 Partner NCC11 Super11 TBC10 Salary8 Month of birth8 Planned8 Yearly rates8 CGT6 SG6 Months6 TTR6 More pensions6 Rental sale6 Partner share sale5 Pension phase5 Loan payoff5 Indexation5 Loans5 Per loan4 Rent4 Sapto4 Pension4 Negative gearing4 Division 2963 Accumulation3 Retirement transition3 CC3 Spending curve3 Future start3 Fixed index3 84 rule3 Reversion3 SMSF3 External3 Share purchase2 Dividends2 Strategic sale2 Foreign pension2 Carry forward2 Loan redraw2 Untaxed2 Income cap2 Under 602 Reversionary2 Lump sum2 Age-pension2 Home-sale2 Overseas pension1 Interest1 Age rule1 Div 2931 Automatic share sale1 Indexing1 Cash shortfall1 Shares last resort1 Tax offset1 Military1 Deductible1 Guard1 Cpi1 Limit1 5 year1 Owned1 Rental
Comparison gate
The comparison checks 69 annual output fields in every year of each forecast, which runs until the younger person turns 100 (up to 81 years). A numeric difference is treated as material only when the compared amount is at least $500 and the difference exceeds both $100 and 0.5%. Spreadsheet reconciliation checks must pass regardless of tolerance.
Specialist validation
The broad 317-scenario ledger comparison is supplemented by strict specialist checks for the release features that are not naturally represented by the aggregate workbook surface. These use a $0.05 absolute tolerance against independent formulas.
Annuity
100/100 specialist assertions pass.
Failures: 0
Year-by-year returns
60/60 specialist assertions pass.
Failures: 0
Account-level routing
35/35 specialist assertions pass.
Failures: 0
No specialist failures. Annuities, Card 6 year-by-year paths and account-level routing all pass their independent checks.
Detailed specialist checks
All 195 specialist assertions are shown below. Each row compares the independent spreadsheet expectation with the PlanLens result.
Lifetime annuity: 100/100 passingPASS
| Test case | Check | Year | Spreadsheet | PlanLens | Difference | Status |
|---|
| Annuity case 1 | Your Annuity | 2026 | $200,000 | $200,000 | $0 | PASS |
| Annuity case 1 | Partner Annuity | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 1 | Your Annuity Income | 2026 | $12,000 | $12,000 | $0 | PASS |
| Annuity case 1 | Partner Annuity Income | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 1 | Your Annuity Assessable | 2026 | $120,000 | $120,000 | $0 | PASS |
| Annuity case 1 | Partner Annuity Assessable | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 1 | Your Annuity Income Test | 2026 | $7,200 | $7,200 | $0 | PASS |
| Annuity case 1 | Partner Annuity Income Test | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 1 | Your Taxable | 2026 | $31,518.2 | $31,518.2 | $0 | PASS |
| Annuity case 1 | Combined Age Pension | 2026 | $31,518.2 | $31,518.2 | $0 | PASS |
| Annuity case 2 | Your Annuity | 2026 | $100,000 | $100,000 | $0 | PASS |
| Annuity case 2 | Partner Annuity | 2026 | $100,000 | $100,000 | $0 | PASS |
| Annuity case 2 | Your Annuity Income | 2026 | $6,000 | $6,000 | $0 | PASS |
| Annuity case 2 | Partner Annuity Income | 2026 | $6,000 | $6,000 | $0 | PASS |
| Annuity case 2 | Your Annuity Assessable | 2026 | $60,000 | $60,000 | $0 | PASS |
| Annuity case 2 | Partner Annuity Assessable | 2026 | $60,000 | $60,000 | $0 | PASS |
| Annuity case 2 | Your Annuity Income Test | 2026 | $3,600 | $3,600 | $0 | PASS |
| Annuity case 2 | Partner Annuity Income Test | 2026 | $3,600 | $3,600 | $0 | PASS |
| Annuity case 2 | Your Taxable | 2026 | $24,258 | $24,258 | $0 | PASS |
| Annuity case 2 | Combined Age Pension | 2026 | $48,516 | $48,516 | $0 | PASS |
| Annuity case 3 | Your Annuity | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 3 | Partner Annuity | 2026 | $150,000 | $150,000 | $0 | PASS |
| Annuity case 3 | Your Annuity Income | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 3 | Partner Annuity Income | 2026 | $7,500 | $7,500 | $0 | PASS |
| Annuity case 3 | Your Annuity Assessable | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 3 | Partner Annuity Assessable | 2026 | $90,000 | $90,000 | $0 | PASS |
| Annuity case 3 | Your Annuity Income Test | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 3 | Partner Annuity Income Test | 2026 | $4,500 | $4,500 | $0 | PASS |
| Annuity case 3 | Your Taxable | 2026 | $24,258 | $24,258 | $0 | PASS |
| Annuity case 3 | Combined Age Pension | 2026 | $48,516 | $48,516 | $0 | PASS |
| Annuity case 4 | Your Annuity | 2026 | $160,000 | $160,000 | $0 | PASS |
| Annuity case 4 | Partner Annuity | 2026 | $140,000 | $140,000 | $0 | PASS |
| Annuity case 4 | Your Annuity Income | 2026 | $8,600 | $8,600 | $0 | PASS |
| Annuity case 4 | Partner Annuity Income | 2026 | $6,800 | $6,800 | $0 | PASS |
| Annuity case 4 | Your Annuity Assessable | 2026 | $96,000 | $96,000 | $0 | PASS |
| Annuity case 4 | Partner Annuity Assessable | 2026 | $84,000 | $84,000 | $0 | PASS |
| Annuity case 4 | Your Annuity Income Test | 2026 | $5,160 | $5,160 | $0 | PASS |
| Annuity case 4 | Partner Annuity Income Test | 2026 | $4,080 | $4,080 | $0 | PASS |
| Annuity case 4 | Your Taxable | 2026 | $24,258 | $24,258 | $0 | PASS |
| Annuity case 4 | Combined Age Pension | 2026 | $48,516 | $48,516 | $0 | PASS |
| Annuity case 5 | Your Annuity | 2026 | $300,000 | $300,000 | $0 | PASS |
| Annuity case 5 | Partner Annuity | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 5 | Your Annuity Income | 2026 | $12,000 | $12,000 | $0 | PASS |
| Annuity case 5 | Partner Annuity Income | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 5 | Your Annuity Assessable | 2026 | $150,000 | $150,000 | $0 | PASS |
| Annuity case 5 | Partner Annuity Assessable | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 5 | Your Annuity Income Test | 2026 | $4,800 | $4,800 | $0 | PASS |
| Annuity case 5 | Partner Annuity Income Test | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 5 | Your Taxable | 2026 | $32,180.2 | $32,180.2 | $0 | PASS |
| Annuity case 5 | Combined Age Pension | 2026 | $32,180.2 | $32,180.2 | $0 | PASS |
| Annuity case 6 | Your Annuity | 2026 | $200,000 | $200,000 | $0 | PASS |
| Annuity case 6 | Partner Annuity | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 6 | Your Annuity Income | 2026 | $12,000 | $12,000 | $0 | PASS |
| Annuity case 6 | Partner Annuity Income | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 6 | Your Annuity Assessable | 2026 | $120,000 | $120,000 | $0 | PASS |
| Annuity case 6 | Partner Annuity Assessable | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 6 | Your Annuity Income Test | 2026 | $7,200 | $7,200 | $0 | PASS |
| Annuity case 6 | Partner Annuity Income Test | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 6 | Your Taxable | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 6 | Combined Age Pension | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 7 | Your Annuity | 2026 | $200,000 | $200,000 | $0 | PASS |
| Annuity case 7 | Partner Annuity | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 7 | Your Annuity Income | 2026 | $12,000 | $12,000 | $0 | PASS |
| Annuity case 7 | Partner Annuity Income | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 7 | Your Annuity Assessable | 2026 | $120,000 | $120,000 | $0 | PASS |
| Annuity case 7 | Partner Annuity Assessable | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 7 | Your Annuity Income Test | 2026 | $7,200 | $7,200 | $0 | PASS |
| Annuity case 7 | Partner Annuity Income Test | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 7 | Your Taxable | 2026 | $9,794.2 | $9,794.2 | $0 | PASS |
| Annuity case 7 | Combined Age Pension | 2026 | $9,794.2 | $9,794.2 | $0 | PASS |
| Annuity case 8 | Your Annuity | 2026 | $500,000 | $500,000 | $0 | PASS |
| Annuity case 8 | Partner Annuity | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 8 | Your Annuity Income | 2026 | $40,000 | $40,000 | $0 | PASS |
| Annuity case 8 | Partner Annuity Income | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 8 | Your Annuity Assessable | 2026 | $300,000 | $300,000 | $0 | PASS |
| Annuity case 8 | Partner Annuity Assessable | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 8 | Your Annuity Income Test | 2026 | $24,000 | $24,000 | $0 | PASS |
| Annuity case 8 | Partner Annuity Income Test | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 8 | Your Taxable | 2026 | $23,118.2 | $23,118.2 | $0 | PASS |
| Annuity case 8 | Combined Age Pension | 2026 | $23,118.2 | $23,118.2 | $0 | PASS |
| Annuity case 9 | Your Annuity | 2026 | $300,000 | $300,000 | $0 | PASS |
| Annuity case 9 | Partner Annuity | 2026 | $300,000 | $300,000 | $0 | PASS |
| Annuity case 9 | Your Annuity Income | 2026 | $16,500 | $16,500 | $0 | PASS |
| Annuity case 9 | Partner Annuity Income | 2026 | $16,500 | $16,500 | $0 | PASS |
| Annuity case 9 | Your Annuity Assessable | 2026 | $180,000 | $180,000 | $0 | PASS |
| Annuity case 9 | Partner Annuity Assessable | 2026 | $180,000 | $180,000 | $0 | PASS |
| Annuity case 9 | Your Annuity Income Test | 2026 | $9,900 | $9,900 | $0 | PASS |
| Annuity case 9 | Partner Annuity Income Test | 2026 | $9,900 | $9,900 | $0 | PASS |
| Annuity case 9 | Your Taxable | 2026 | $21,882 | $21,882 | $0 | PASS |
| Annuity case 9 | Combined Age Pension | 2026 | $43,764 | $43,764 | $0 | PASS |
| Annuity case 10 | Your Annuity | 2026 | $250,000 | $250,000 | $0 | PASS |
| Annuity case 10 | Partner Annuity | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 10 | Your Annuity Income | 2026 | $12,500 | $12,500 | $0 | PASS |
| Annuity case 10 | Partner Annuity Income | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 10 | Your Annuity Assessable | 2026 | $250,000 | $250,000 | $0 | PASS |
| Annuity case 10 | Partner Annuity Assessable | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 10 | Your Annuity Income Test | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 10 | Partner Annuity Income Test | 2026 | $0 | $0 | $0 | PASS |
| Annuity case 10 | Your Taxable | 2026 | $32,180.2 | $32,180.2 | $0 | PASS |
| Annuity case 10 | Combined Age Pension | 2026 | $32,180.2 | $32,180.2 | $0 | PASS |
Card 6 return paths: 60/60 passingPASS
| Test case | Check | Year | Spreadsheet | PlanLens | Difference | Status |
|---|
| Return-path case 1 | Account Balance | 2027 | $115,000 | $115,000 | $0 | PASS |
| Return-path case 1 | Account Balance | 2028 | $132,250 | $132,250 | $0 | PASS |
| Return-path case 1 | Account Balance | 2029 | $152,087.5 | $152,087.5 | $0 | PASS |
| Return-path case 1 | Cash Dividend | 2026 | $5,000 | $5,000 | $0 | PASS |
| Return-path case 1 | Cash Dividend | 2027 | $5,750 | $5,750 | $0 | PASS |
| Return-path case 1 | Cash Dividend | 2028 | $6,612.5 | $6,612.5 | $0 | PASS |
| Return-path case 2 | Account Balance | 2027 | $105,000 | $105,000 | $0 | PASS |
| Return-path case 2 | Account Balance | 2028 | $110,250 | $110,250 | $0 | PASS |
| Return-path case 2 | Account Balance | 2029 | $115,762.5 | $115,762.5 | $0 | PASS |
| Return-path case 2 | Cash Dividend | 2026 | $7,000 | $7,000 | $0 | PASS |
| Return-path case 2 | Cash Dividend | 2027 | $7,350 | $7,350 | $0 | PASS |
| Return-path case 2 | Cash Dividend | 2028 | $7,717.5 | $7,717.5 | $0 | PASS |
| Return-path case 3 | Account Balance | 2027 | $115,000 | $115,000 | $0 | PASS |
| Return-path case 3 | Account Balance | 2028 | $97,750 | $97,750 | $0 | PASS |
| Return-path case 3 | Account Balance | 2029 | $97,750 | $97,750 | $0 | PASS |
| Return-path case 3 | Cash Dividend | 2026 | $5,000 | $5,000 | $0 | PASS |
| Return-path case 3 | Cash Dividend | 2027 | $5,750 | $5,750 | $0 | PASS |
| Return-path case 3 | Cash Dividend | 2028 | $4,887.5 | $4,887.5 | $0 | PASS |
| Return-path case 4 | Account Balance | 2027 | $95,000 | $95,000 | $0 | PASS |
| Return-path case 4 | Account Balance | 2028 | $71,250 | $71,250 | $0 | PASS |
| Return-path case 4 | Account Balance | 2029 | $74,812.5 | $74,812.5 | $0 | PASS |
| Return-path case 4 | Cash Dividend | 2026 | $5,000 | $5,000 | $0 | PASS |
| Return-path case 4 | Cash Dividend | 2027 | $4,750 | $4,750 | $0 | PASS |
| Return-path case 4 | Cash Dividend | 2028 | $3,562.5 | $3,562.5 | $0 | PASS |
| Return-path case 5 | Account Balance | 2027 | $120,525 | $120,525 | $0 | PASS |
| Return-path case 5 | Account Balance | 2028 | $145,262.756 | $145,262.756 | $0 | PASS |
| Return-path case 5 | Account Balance | 2029 | $175,077.937 | $175,077.937 | $0 | PASS |
| Return-path case 5 | Cash Dividend | 2026 | $0 | $0 | $0 | PASS |
| Return-path case 5 | Cash Dividend | 2027 | $0 | $0 | $0 | PASS |
| Return-path case 5 | Cash Dividend | 2028 | $0 | $0 | $0 | PASS |
| Return-path case 6 | Account Balance | 2027 | $120,525 | $120,525 | $0 | PASS |
| Return-path case 6 | Account Balance | 2028 | $109,105.256 | $109,105.256 | $0 | PASS |
| Return-path case 6 | Account Balance | 2029 | $115,133.322 | $115,133.322 | $0 | PASS |
| Return-path case 6 | Cash Dividend | 2026 | $0 | $0 | $0 | PASS |
| Return-path case 6 | Cash Dividend | 2027 | $0 | $0 | $0 | PASS |
| Return-path case 6 | Cash Dividend | 2028 | $0 | $0 | $0 | PASS |
| Return-path case 7 | Account Balance | 2027 | $115,000 | $115,000 | $0 | PASS |
| Return-path case 7 | Account Balance | 2028 | $132,250 | $132,250 | $0 | PASS |
| Return-path case 7 | Account Balance | 2029 | $152,087.5 | $152,087.5 | $0 | PASS |
| Return-path case 7 | Cash Dividend | 2026 | $0 | $0 | $0 | PASS |
| Return-path case 7 | Cash Dividend | 2027 | $0 | $0 | $0 | PASS |
| Return-path case 7 | Cash Dividend | 2028 | $0 | $0 | $0 | PASS |
| Return-path case 8 | Account Balance | 2027 | $115,000 | $115,000 | $0 | PASS |
| Return-path case 8 | Account Balance | 2028 | $105,800 | $105,800 | $0 | PASS |
| Return-path case 8 | Account Balance | 2029 | $117,438 | $117,438 | $0 | PASS |
| Return-path case 8 | Cash Dividend | 2026 | $0 | $0 | $0 | PASS |
| Return-path case 8 | Cash Dividend | 2027 | $0 | $0 | $0 | PASS |
| Return-path case 8 | Cash Dividend | 2028 | $0 | $0 | $0 | PASS |
| Return-path case 9 | Account Balance | 2027 | $110,000 | $110,000 | $0 | PASS |
| Return-path case 9 | Account Balance | 2028 | $121,000 | $121,000 | $0 | PASS |
| Return-path case 9 | Account Balance | 2029 | $133,100 | $133,100 | $0 | PASS |
| Return-path case 9 | Cash Dividend | 2026 | $0 | $0 | $0 | PASS |
| Return-path case 9 | Cash Dividend | 2027 | $0 | $0 | $0 | PASS |
| Return-path case 9 | Cash Dividend | 2028 | $0 | $0 | $0 | PASS |
| Return-path case 10 | Account Balance | 2027 | $116,500 | $116,500 | $0 | PASS |
| Return-path case 10 | Account Balance | 2028 | $135,722.5 | $135,722.5 | $0 | PASS |
| Return-path case 10 | Account Balance | 2029 | $158,116.712 | $158,116.713 | $0 | PASS |
| Return-path case 10 | Cash Dividend | 2026 | $0 | $0 | $0 | PASS |
| Return-path case 10 | Cash Dividend | 2027 | $0 | $0 | $0 | PASS |
| Return-path case 10 | Cash Dividend | 2028 | $0 | $0 | $0 | PASS |
Account-level routing: 35/35 passingPASS
| Test case | Check | Year | Spreadsheet | PlanLens | Difference | Status |
|---|
| Routing case 1 | Cash1 Close | 2027 | $92,400 | $92,400 | $0 | PASS |
| Routing case 1 | Cash2 Close | 2027 | $40,400 | $40,400 | $0 | PASS |
| Routing case 1 | Cash3 Close | 2027 | $0 | $0 | $0 | PASS |
| Routing case 1 | Cash Total Close | 2027 | $132,800 | $132,800 | $0 | PASS |
| Routing case 2 | Cash1 Close | 2027 | $52,800 | $52,800 | $0 | PASS |
| Routing case 2 | Cash2 Close | 2027 | $0 | $0 | $0 | PASS |
| Routing case 2 | Cash3 Close | 2027 | $0 | $0 | $0 | PASS |
| Routing case 2 | Cash Total Close | 2027 | $52,800 | $52,800 | $0 | PASS |
| Routing case 3 | Cash1 Close | 2027 | $0 | $0 | $0 | PASS |
| Routing case 3 | Cash2 Close | 2027 | $0 | $0 | $0 | PASS |
| Routing case 3 | Cash3 Close | 2027 | $42,700 | $42,700 | $0 | PASS |
| Routing case 3 | Cash Total Close | 2027 | $42,700 | $42,700 | $0 | PASS |
| Routing case 4 | Loan1 Payment | 2026 | $24,000 | $24,000 | $0 | PASS |
| Routing case 4 | Loan1 Interest | 2026 | $9,197.325 | $9,197.325 | $0 | PASS |
| Routing case 4 | Loan1 Close | 2026 | $185,197.325 | $185,197.325 | $0 | PASS |
| Routing case 4 | Loan2 Payment | 2026 | $12,000 | $12,000 | $0 | PASS |
| Routing case 4 | Loan2 Interest | 2026 | $1,767.62 | $1,767.62 | $0 | PASS |
| Routing case 4 | Loan2 Close | 2026 | $89,767.62 | $89,767.62 | $0 | PASS |
| Routing case 4 | Loan Total Close | 2026 | $274,964.946 | $274,964.946 | $0 | PASS |
| Routing case 4 | Offset Total | 2026 | $100,000 | $100,000 | $0 | PASS |
| Routing case 5 | Fund AClose | 2027 | $60,200 | $60,200 | $0 | PASS |
| Routing case 5 | Fund BClose | 2027 | $50,000 | $50,000 | $0 | PASS |
| Routing case 5 | Super Total Close | 2027 | $110,200 | $110,200 | $0 | PASS |
| Routing case 5 | Sg Gross | 2027 | $12,000 | $12,000 | $0 | PASS |
| Routing case 5 | Sg Net | 2027 | $10,200 | $10,200 | $0 | PASS |
| Routing case 6 | Fund AClose | 2027 | $50,000 | $50,000 | $0 | PASS |
| Routing case 6 | Fund BClose | 2027 | $80,000 | $80,000 | $0 | PASS |
| Routing case 6 | Super Total Close | 2027 | $130,000 | $130,000 | $0 | PASS |
| Routing case 6 | Sg Gross | 2027 | $0 | $0 | $0 | PASS |
| Routing case 6 | Sg Net | 2027 | $0 | $0 | $0 | PASS |
| Routing case 7 | Fund AClose | 2027 | $60,200 | $60,200 | $0 | PASS |
| Routing case 7 | Fund BClose | 2027 | $80,000 | $80,000 | $0 | PASS |
| Routing case 7 | Super Total Close | 2027 | $140,200 | $140,200 | $0 | PASS |
| Routing case 7 | Sg Gross | 2027 | $12,000 | $12,000 | $0 | PASS |
| Routing case 7 | Sg Net | 2027 | $10,200 | $10,200 | $0 | PASS |
Investment-property CGT validation
The Generation 2 workbook contains a separately implemented property-CGT validation sheet. It independently recalculates the pre-2027 discount treatment, 2027 transition split, post-2027 indexation and Division 119 minimum-tax logic before comparing the result with PlanLens.
Result
12/12 property-CGT cases pass.
Failures: 0
Coverage
Old 50% discount, transition valuation, indexed real gains, minimum-tax top-up, high-rate no-top-up, Age Pension exception, joint ownership, losses and sale-year cash settlement.
Detailed property CGT checks
All 12 independent property-CGT cases are shown here. The spreadsheet and PlanLens results match in every case.
| Case | Owner | Net capital gain | Minimum-tax gain | Division 119 top-up | Loss carried forward | Sale-year cash tax effect | Status |
|---|
| Sale before 1 Jul 2027: 50% discount | You | $100,000 | $0 | $0 | $0 | $0 | PASS |
| Existing property sold post-transition | You | $250,000 | $200,000 | $0 | $0 | $0 | PASS |
| Transition valuation override | You | $225,000 | $150,000 | $0 | $0 | $0 | PASS |
| Low ordinary tax: Division 119 top-up | You | $100,000 | $100,000 | $9,480 | $0 | $0 | PASS |
| High ordinary tax, no top-up/reduction | You | $100,000 | $100,000 | $0 | $0 | $0 | PASS |
| Age Pension recipient: Division 119 exception | You | $100,000 | $100,000 | $0 | $0 | $0 | PASS |
| Joint property, your share | You | $50,000 | $0 | $0 | $0 | $0 | PASS |
| Joint property, partner share | Partner | $50,000 | $0 | $0 | $0 | $0 | PASS |
| Post-2027 acquisition, indexed cost base | You | $29,542.143 | $29,542.143 | $5,600 | $0 | $0 | PASS |
| Negative gain, capital loss carry-forward | You | $0 | $0 | $0 | $50,000 | $0 | PASS |
| Forecast loss carried to later deferred/post-2027 gain | You | $225,000 | $200,000 | $0 | $0 | $0 | PASS |
| CGT tax settles through cash in sale year | You | $100,000 | $0 | $0 | $0 | $22,520 | PASS |
Exceptions
No failed scenarios. Every targeted and generated scenario passed the comparison gate and the workbook reconciliation gate.
Largest observed differences
| Scenario | Year | Field | Difference | Percent |
|---|
| Negative gearing: losses carried forward from 2027-28 are used against the capital gain when the property is sold in 2032 | 2076 | Your shares open | $0.013 | 0.000004% |
| Couple homeowner · pre-retirement · $450k starting super · matched couple inputs · variation 2 | 2066 | Your cash open | $0.007 | 0.000000% |
| CGT: a property bought in March 2026 and sold at the end of 2026 (held under 12 months): no discount | 2061 | Household unfunded | $0.006 | 0.000005% |
| Couple non-homeowner · mid-career working phase · $200k starting super · matched couple inputs · variation 1 | 2072 | Household cash draw | $0.005 | 0.000001% |
| Carry-forward concessional contribution, five-vintage room | 2065 | Your super total | $0.005 | 0.000000% |
| CGT: a property held at 1 July 2027 and sold at the end of 2029: the gain to 1 July 2027 is discounted, the gain after it is on an indexed cost base (Division 119 minimum tax may apply) | 2056 | Household unfunded | $0.005 | 0.000009% |
| Single non-homeowner · mid-career working phase · $200k starting super · variation 2 | 2072 | Your super total | $0.005 | 0.000000% |
| Single homeowner · mid-career working phase · $200k starting super · variation 1 | 2061 | Your super total | $0.005 | 0.000000% |
| NCC, allowed at 74 and blocked from age 75 | 2047 | Your super pension open | $0.005 | 0.000000% |
| Single homeowner · younger working phase · $60k starting super · variation 2 | 2088 | Your cash open | $0.005 | 0.000000% |
| Yearly values: working couple whose salary and other income follow their own curves (part-time before stopping, consulting income that tapers) | 2065 | Combined after-tax income | $0.005 | 0.000003% |
| Single homeowner · later retirement · $200k starting super · variation 1 | 2039 | Your super total | $0.004 | 0.000000% |
All scenarios
Retired couple, cash, shares, super and Age PensionTargetedPASS
CoupleAge pensionCashSharesSuperCash settlement
2,414annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2059 · PlanLens $840,886.534 · workbook $840,886.534 · 0.000000%
Single retiree, low assets and full Age PensionTargetedPASS
SingleAge pensionCash settlement
1,326annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Your cash open, 2059 · PlanLens $464,186.002 · workbook $464,186.004 · 0.000000%
Single worker, salary, tax and SG accumulationTargetedPASS
SingleSalaryTaxSGAccumulation
1,716annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Your super total, 2064 · PlanLens $0.003 · workbook $0 · 0.000000%
Couple age 67, current salary retained in year 1 and Work Bonus appliedTargetedPASS
CoupleSalaryWork bonusAge pensionRetirement transition
2,414annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2059 · PlanLens $447,106.527 · workbook $447,106.528 · 0.000000%
Cash interest and operating surplus settle once through cashTargetedPASS
SingleCashInterestCash settlement
1,326annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2059 · PlanLens $952,752.037 · workbook $952,752.036 · 0.000000%
Outside-super shares, growth, dividends and frankingTargetedPASS
SingleSharesDividendsFrankingTax
1,794annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2062 · PlanLens $538,079.773 · workbook $538,079.774 · 0.000000%
Rental property, growth and indexed rental incomeTargetedPASS
SinglePropertyRentTax
1,326annual comparisons
0material failures
0invariant rows
$0.004largest difference
Largest: Household shares draw, 2050 · PlanLens $29,624.813 · workbook $29,624.817 · 0.000014%
Rental property sale, property and rent cease after sale yearTargetedPASS
CouplePropertyRentStrategic saleCash settlement
2,414annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2059 · PlanLens $712,924.646 · workbook $712,924.646 · 0.000000%
Overseas pension, frozen nominal payments from pension ageTargetedPASS
SingleForeign pensionTax
1,599annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your shares open, 2060 · PlanLens $196,625.783 · workbook $196,625.783 · 0.000000%
Carry-forward concessional contribution, five-vintage roomTargetedPASS
SingleCarry forwardCCSG
1,989annual comparisons
0material failures
0invariant rows
$0.005largest difference
Largest: Your super total, 2065 · PlanLens $0.005 · workbook $0 · 0.000000%
Non-concessional contribution funded from cashTargetedPASS
SingleNCCCash settlementSuper
1,599annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your super pension open, 2055 · PlanLens $0.001 · workbook $0 · 0.000000%
Strategic share sale, shares reduce and cash receives proceedsTargetedPASS
SingleSharesStrategic saleCash settlement
1,326annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2059 · PlanLens $131,174.658 · workbook $131,174.658 · 0.000000%
Home loan, monthly amortisation inside annual modelTargetedPASS
SingleHome loanTaxCash settlement
2,184annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your super total, 2073 · PlanLens $0 · workbook $0 · 0.000000%
Investment loan, rental income, property growth and amortisationTargetedPASS
SingleInvestment loanPropertyRentTax
2,184annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your super total, 2073 · PlanLens $0.001 · workbook $0 · 0.000000%
Couple, asymmetric ages, salaries and superTargetedPASS
CoupleSalarySGTaxAccumulation
3,266annual comparisons
0material failures
0invariant rows
$0.004largest difference
Largest: Combined after-tax income, 2069 · PlanLens $177,872.516 · workbook $177,872.52 · 0.000002%
Work Bonus, part-time employment consumes bank after annual concessionTargetedPASS
SingleWork bonusSalaryAge pension
1,326annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2059 · PlanLens $62,718.639 · workbook $62,718.639 · 0.000001%
Work Bonus, bank freezes when Age Pension is nilTargetedPASS
SingleWork bonusSalaryAge pension
1,326annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2054 · PlanLens $140,362.453 · workbook $140,362.453 · 0.000000%
Transfer balance cap, excess super remains in accumulationTargetedPASS
SingleTBCSuperPension phase
1,326annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2058 · PlanLens $1,487,914.343 · workbook $1,487,914.343 · 0.000000%
Downsizer contribution, capped and funded from cashTargetedPASS
SingleDownsizerSuperCash settlement
1,599annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your super pension open, 2046 · PlanLens $0 · workbook $0 · 0.000000%
NCC, allowed at 74 and blocked from age 75TargetedPASS
SingleNCCAge ruleCash settlement
1,053annual comparisons
0material failures
0invariant rows
$0.005largest difference
Largest: Your super pension open, 2047 · PlanLens $0.005 · workbook $0 · 0.000000%
CC cap and Division 293: SG already fills capTargetedPASS
SingleCCSGDiv 293Tax
1,989annual comparisons
0material failures
0invariant rows
$0.004largest difference
Largest: Your super total, 2061 · PlanLens $0.004 · workbook $0 · 0.000000%
Operating shortfall, cash reserve funds spendingTargetedPASS
SingleCashCash settlementAge pension
1,326annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Funding target, 2053 · PlanLens $133,277.34 · workbook $133,277.34 · 0.000000%
Operating shortfall, cash first, then automatic share saleTargetedPASS
SingleCashSharesAutomatic share saleCash settlement
1,326annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Funding target, 2049 · PlanLens $157,886.921 · workbook $157,886.921 · 0.000000%
Couple, indexed overseas pension starts at age 67TargetedPASS
CoupleForeign pensionIndexingAge pension
2,485annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2060 · PlanLens $1,058,621.086 · workbook $1,058,621.086 · 0.000000%
Home loan: lump-sum pay down from cashTargetedPASS
SingleHome loanLoan payoffCash settlement
1,989annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Your super total, 2068 · PlanLens $0.002 · workbook $0 · 0.000000%
Home loan: pay down larger than the balance is capped at what is owedTargetedPASS
SingleHome loanLoan payoff
1,794annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2067 · PlanLens $193,055.112 · workbook $193,055.112 · 0.000000%
Home loan: redraw into cashTargetedPASS
SingleHome loanLoan redraw
2,067annual comparisons
0material failures
0invariant rows
$0.004largest difference
Largest: Your super total, 2068 · PlanLens $0.004 · workbook $0 · 0.000000%
Couple: home loan pay down (you) and investment loan pay down (partner)TargetedPASS
CoupleHome loanInvestment loanLoan payoffPropertyRent
3,621annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Your cash open, 2070 · PlanLens $1,094,336.014 · workbook $1,094,336.017 · 0.000000%
Couple: investment loan redraw (partner) then pay downTargetedPASS
CoupleInvestment loanLoan redrawLoan payoffProperty
3,124annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2060 · PlanLens $274,602.891 · workbook $274,602.891 · 0.000000%
Retiree: pays the home loan off from cash; Age Pension assets test respondsTargetedPASS
SingleHome loanLoan payoffAge pension
1,326annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your shares open, 2056 · PlanLens $206,533.801 · workbook $206,533.802 · 0.000000%
Spending that changes over time: higher early retirement, lower later (single retiree)TargetedPASS
SingleSpending curveAge pensionCash settlement
1,365annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your residence open, 2054 · PlanLens $2,398,962.655 · workbook $2,398,962.655 · 0.000000%
Couple: spending steps up for travel then down, before and after retirementTargetedPASS
CoupleSpending curveSalaryTax
3,124annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your residence open, 2049 · PlanLens $1,109,121.994 · workbook $1,109,121.994 · 0.000000%
A spending peak drains cash and shares, then the Age PensionTargetedPASS
SingleSpending curveCash shortfallShares last resortAge pension
1,326annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Household shares draw, 2043 · PlanLens $23,402.06 · workbook $23,402.061 · 0.000003%
Month of birth: a single homeowner turns 67 in December, Age Pension for 7 months of the first yearTargetedPASS
SingleMonth of birthAge pensionSapto
1,365annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Household shares draw, 2060 · PlanLens $40,912.381 · workbook $40,912.381 · 0.000000%
Month of birth: a single worker turns 67 in October (Work Bonus for 9 months), retires at 68 in OctoberTargetedPASS
SingleMonth of birthAge pensionWork bonusSalaryRetirement transitionPension phase
1,365annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your super total, 2050 · PlanLens $0.001 · workbook $0 · 0.000000%
Month of birth: a couple reach 67 in different years, so one year has both, one-only and neither periodsTargetedPASS
CoupleMonth of birthAge pensionCash settlement
2,556annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2061 · PlanLens $339,568.558 · workbook $339,568.558 · 0.000000%
Month of birth: a couple retire at 60, salary stopping in the birthday month; pensions start part-way (one in June, no minimum)TargetedPASS
CoupleMonth of birthSalaryRetirement transitionPension phaseSGTax
3,053annual comparisons
0material failures
0invariant rows
$0.004largest difference
Largest: Combined after-tax income, 2060 · PlanLens $140,417.305 · workbook $140,417.309 · 0.000003%
Month of birth: the birthday was in September, so the next one is 14 months after 1 July and 67 falls late in the second yearTargetedPASS
SingleMonth of birthAge pension
1,365annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your shares open, 2057 · PlanLens $122,728.719 · workbook $122,728.719 · 0.000000%
Month of birth: a self-funded single turns 67 in May, so SAPTO and the seniors Medicare thresholds apply to that whole yearTargetedPASS
SingleMonth of birthTaxSapto
1,365annual comparisons
0material failures
0invariant rows
$0.004largest difference
Largest: Your shares open, 2049 · PlanLens $1,656,774.693 · workbook $1,656,774.697 · 0.000000%
Death of a partner: your partner dies in 2032; you continue on the single Age Pension and lower the living budget to $43,400 from that yearTargetedPASS
CoupleDeathAge pensionSaptoCash settlement
2,272annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Your cash open, 2056 · PlanLens $258,724.507 · workbook $258,724.509 · 0.000001%
Death of a partner: you die in 2035; your super goes to your partner's pension up to their cap, the rest is paid out as cashTargetedPASS
CoupleDeathPension phaseTBCCash settlement
2,627annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2053 · PlanLens $1,625,783.617 · workbook $1,625,783.617 · 0.000000%
Death of a partner: your partner dies in 2031 owning a rental property and shares; you inherit them and the rentTargetedPASS
CoupleDeathRental propertyRental incomeSharesNon homeowner
2,414annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2055 · PlanLens $350,809.652 · workbook $350,809.652 · 0.000000%
Death of a partner: a working partner dies at 56; your death benefit pension can be drawn before 60, your salary continuesTargetedPASS
CoupleDeathSalarySGPension phaseTax
3,621annual comparisons
0material failures
0invariant rows
$0.004largest difference
Largest: Household shares draw, 2075 · PlanLens $132,213.082 · workbook $132,213.078 · 0.000003%
Death of a partner: you die in 2033 and no survivor spending is set, so the household spending carries onTargetedPASS
CoupleDeathAge pensionCash settlement
2,201annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Partner super income, 2051 · PlanLens $0 · workbook $0.002 · 0.000000%
Defined benefit: single homeowner, funded scheme $60,000 (10% tax-free, 90% taxed), CPI indexed, started 2020; tax-free at 60+, income test counts 90%TargetedPASS
SingleDb pensionAge pensionTax
1,404annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2061 · PlanLens $724,421.886 · workbook $724,421.886 · 0.000000%
Defined benefit: couple, partner has an untaxed scheme $55,000 (5% tax-free, 95% untaxed) with the 10% offset; couple Age PensionTargetedPASS
CoupleDb pensionUntaxedTax offsetAge pension
2,485annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2060 · PlanLens $473,538.185 · workbook $473,538.185 · 0.000000%
Defined benefit: single, funded $150,000 frozen (no indexation), over the $131,250 income cap: 50% of the excess assessable; pension uses the whole transfer balance capTargetedPASS
SingleDb pensionIncome capTBC
1,365annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your super total, 2060 · PlanLens $1,519,855.737 · workbook $1,519,855.737 · 0.000000%
Defined benefit: starts January 2028 at 57 (birthday in December), $40,000 today's dollars, fully taxed element: assessable under 60, tax-free from 60 with the cap pro-rated in the birthday yearTargetedPASS
SingleDb pensionFuture startUnder 60Month of birth
1,755annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2070 · PlanLens $1,065,774.781 · workbook $1,065,774.78 · 0.000000%
Defined benefit: couple, military scheme $50,000 (30% tax-free, 70% untaxed), deductible $15,000 not capped at 10%; fixed 2.5% indexationTargetedPASS
CoupleDb pensionMilitaryDeductibleFixed indexAge pension
2,769annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2064 · PlanLens $682,263.417 · workbook $682,263.417 · 0.000000%
Defined benefit: you have a funded $70,000 pension with 67% reversionary; you die in 2031; your partner receives 67%, tax-free (deceased was 60+), single Age PensionTargetedPASS
CoupleDb pensionReversionaryDeathAge pension
2,485annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Partner shares open, 2059 · PlanLens $388,305.428 · workbook $388,305.429 · 0.000000%
Defined benefit: you (56) have an untaxed $45,000 pension from 55 with 67% reversionary; you die in 2028 at 58; your partner (56) is taxed under-60 rules until 60, then gets the offsetTargetedPASS
CoupleDb pensionReversionaryDeathUnder 60Untaxed
3,337annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Partner shares open, 2058 · PlanLens $530,732.485 · workbook $530,732.487 · 0.000000%
Defined benefit: $30,000 (today's dollars) pension starting July 2027 is $30,900 by then, so it uses $494,400 of a $1,000,000 transfer balance cap and only $505,600 of super moves to pension phase; partner has an untaxed pension from October 2026 with fixed 2% indexationTargetedPASS
CoupleDb pensionTBCFuture startFixed index
2,698annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your super total, 2044 · PlanLens $1,433,090.144 · workbook $1,433,090.144 · 0.000000%
Defined benefit: single person with a stray partner pension entry ($50,000) that must be ignored; own funded pension $35,000 from July 2027TargetedPASS
SingleDb pensionFuture startGuard
1,365annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2060 · PlanLens $791,865.146 · workbook $791,865.146 · 0.000000%
Lifetime annuity: single, owned $200,000 annuity bought 2020 paying 6% (not indexed); the assets test counts 60% until 84, then 30% from 2030TargetedPASS
SingleAnnuityAge pension84 rule
819annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2046 · PlanLens $32,076.623 · workbook $32,076.623 · 0.000000%
Lifetime annuity: couple, you plan to buy $150,000 (today's dollars) in January 2028 from your account-based pension, CPI indexed at 6%; half-year payments in 2027-28TargetedPASS
CoupleAnnuityPlannedCpiAge pension
2,627annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2062 · PlanLens $225,586.164 · workbook $225,586.164 · 0.000000%
Lifetime annuity: $400,000 (today's dollars) bought July 2028 from accumulation uses $424,360 of a $1,000,000 transfer balance cap, so the account-based pension at 70 is limited to the restTargetedPASS
SingleAnnuityPlannedTBCAccumulation
1,443annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2059 · PlanLens $162,031.416 · workbook $162,031.416 · 0.000000%
Lifetime annuity: planned $200,000 (today's dollars) in 2029 but only the super left is used to buy it; fixed 2% indexationTargetedPASS
SingleAnnuityPlannedFixed indexLimit
1,209annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your shares open, 2056 · PlanLens $166,702.251 · workbook $166,702.25 · 0.000001%
Lifetime annuity: bought October 2024 at 80; the 30% assets-test rate starts at the later of 84 (2028) and 5 years after purchase (October 2029)TargetedPASS
SingleAnnuity84 rule5 year
741annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2044 · PlanLens $260,586.834 · workbook $260,586.834 · 0.000000%
Lifetime annuity: your partner plans to buy $100,000 (today's dollars) in July 2031 but dies in 2030, so no purchase; your owned annuity keeps payingTargetedPASS
CoupleAnnuityDeathPlanned
2,201annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your shares open, 2054 · PlanLens $323,691.328 · workbook $323,691.328 · 0.000000%
Lifetime annuity: turns 84 in December (month of birth), so the 30% assets-test rate applies to half of that yearTargetedPASS
SingleAnnuity84 ruleMonth of birth
780annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2043 · PlanLens $127,163.063 · workbook $127,163.064 · 0.000000%
Lifetime annuity paid with cash: single, $150,000 (today's dollars) bought July 2028 from cash at 6%, CPI; the tax-free part is $8,000 a year (today's dollars), the rest of each payment is taxableTargetedPASS
SingleAnnuityPlannedCashTax
1,326annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your shares open, 2054 · PlanLens $270,168.67 · workbook $270,168.671 · 0.000000%
Lifetime annuity paid with cash: owned $250,000 annuity bought 2021 at 5.5% (not indexed), tax-free part $9,000 a year, so $4,750 of each year's $13,750 is taxable alongside $40,000 other incomeTargetedPASS
SingleAnnuityCashTaxOwned
1,209annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2044 · PlanLens $105,598.964 · workbook $105,598.964 · 0.000000%
Lifetime annuity paid with cash: couple, your partner buys $100,000 (today's dollars) in January 2029 from cash with no tax-free part entered, so all of each payment is taxable; you buy $120,000 from super in July 2027TargetedPASS
CoupleAnnuityPlannedCashSuper
2,627annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Household shares draw, 2061 · PlanLens $64,904.475 · workbook $64,904.473 · 0.000002%
Lifetime annuity paid with cash: your partner plans to buy $90,000 (today's dollars) from cash in July 2031 but dies in 2030, so no purchase and no cash outTargetedPASS
CoupleAnnuityPlannedCashDeath
2,201annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your shares open, 2050 · PlanLens $400,357.365 · workbook $400,357.366 · 0.000000%
Joint (reversionary) annuity: you own a $300,000 super-bought lifetime annuity (2020, 6%, CPI) that continues 100% to your partner; you die in 2032, so your partner receives it, assessed at your 60%/30% thresholdTargetedPASS
CoupleAnnuityDeathReversion
1,917annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Household shares draw, 2052 · PlanLens $41,804.841 · workbook $41,804.841 · 0.000000%
Joint annuity bought with cash: you buy $150,000 (today's dollars) in July 2028 at 6%, tax-free part $7,000 a year, continuing 67% to your partner; you die in 2035 and your partner's 67% payment less the same tax-free part is taxableTargetedPASS
CoupleAnnuityDeathReversionCashPlanned
2,627annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2062 · PlanLens $194,301.515 · workbook $194,301.515 · 0.000000%
Your partner (82) owns a $200,000 super-bought annuity (Jan 2023, 6.5%, fixed 2%) continuing 50% to you, and you own a $100,000 one; your partner turns 84 in 2028 (30% from then) and dies in 2030; you then receive half of theirs, still at their 30% factor, plus your ownTargetedPASS
CoupleAnnuityDeathReversion
1,775annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your super income, 2049 · PlanLens $0 · workbook $0.001 · 0.000000%
Indexed caps: concessional cap indexed at 4% a year in the law's $2,500 steps (and the carry-forward built from it); $45,000 extra concessional contributions each year for eight years are held to the stepped capTargetedPASS
SingleCCCarry forwardIndexation
1,989annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Household cash draw, 2072 · PlanLens $128,105.787 · workbook $128,105.79 · 0.000002%
Indexed caps: couple, inflation 3%; each starts a pension in 2026 using part of the $2.1m cap; the general cap rises in $100,000 steps and each personal cap by the unused share; your partner dies in 2033 and the death benefit fills your indexed cap spaceTargetedPASS
CoupleTBCIndexationDeath
2,485annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2056 · PlanLens $1,659,657.387 · workbook $1,659,657.387 · 0.000000%
Indexed caps: single, inflation 3%, retires at 60 and starts the pension at 68 (2034); the transfer is limited to the indexed general cap of that year ($100,000 steps), the rest stays in accumulationTargetedPASS
SingleTBCIndexation
1,599annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2062 · PlanLens $634,178.219 · workbook $634,178.219 · 0.000000%
Indexed caps: defined benefit $150,000 CPI-indexed with inflation 3%; the income cap is the year's general transfer balance cap / 16 (moves in $6,250 steps), 50% of the excess is assessableTargetedPASS
SingleDb pensionIncome capIndexation
1,365annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2060 · PlanLens $3,276,502.258 · workbook $3,276,502.259 · 0.000000%
Tax offset indexing: single retiree living on share income; Centrelink indexing 2.6% but LITO, SAPTO and the Medicare thresholds held at today's amounts (0%), as the law does, so more income tax is paid in later yearsTargetedPASS
SingleTaxSaptoIndexation
1,326annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Household shares draw, 2059 · PlanLens $49,576.366 · workbook $49,576.366 · 0.000000%
Yearly rates: single retiree whose super grows at a different rate each year (accumulation and pension), including two falling yearsTargetedPASS
SingleYearly ratesSuper
1,521annual comparisons
0material failures
0invariant rows
$0.004largest difference
Largest: Household unfunded, 2058 · PlanLens $108,975.593 · workbook $108,975.589 · 0.000004%
Yearly rates: couple whose shares outside super have their own capital growth and dividend yield each year, different for each partnerTargetedPASS
CoupleYearly ratesSharesDividends
2,627annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Household shares draw, 2052 · PlanLens $71,288.381 · workbook $71,288.38 · 0.000002%
Yearly rates: couple with mostly cash, each partner earning a blended cash rate that changes each yearTargetedPASS
CoupleYearly ratesCash
2,343annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2054 · PlanLens $460,402.931 · workbook $460,402.932 · 0.000000%
Yearly values: working couple whose salary and other income follow their own curves (part-time before stopping, consulting income that tapers)TargetedPASS
CoupleYearly ratesSalaryOther income
3,195annual comparisons
0material failures
0invariant rows
$0.005largest difference
Largest: Combined after-tax income, 2065 · PlanLens $132,017.669 · workbook $132,017.674 · 0.000003%
Yearly values: couple with an investment property whose rent is set for each year (a vacancy year and a rent rise)TargetedPASS
CoupleYearly ratesRental
2,698annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Combined after-tax income, 2047 · PlanLens $76,726.456 · workbook $76,726.457 · 0.000001%
Yearly rates: couple with an SMSF and outside shares, every rate and income changing each year at onceTargetedPASS
CoupleYearly ratesSMSFSharesCashOther income
2,982annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2067 · PlanLens $3,637,985.822 · workbook $3,637,985.822 · 0.000000%
Yearly rates: single non-homeowner near the assets test cut-in, so each year's returns move the Age PensionTargetedPASS
SingleYearly ratesAge pension
1,326annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2056 · PlanLens $313,817.113 · workbook $313,817.114 · 0.000000%
Yearly rates: couple moving from work to retirement, super moving to pension phase with yearly growth and a transfer balance cap limitTargetedPASS
CoupleYearly ratesSuperTBC
3,266annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2071 · PlanLens $5,052,113.703 · workbook $5,052,113.704 · 0.000000%
Pension lump sums: single retiree takes $80,000 out of the pension in two years and a lump sum larger than the balance late in life (capped at what is there)TargetedPASS
SinglePensionLump sumTBC
1,365annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2053 · PlanLens $-0 · workbook $0 · 0.000000%
Pension lump sum and deposit back to pension (re-contribution): withdraw $300,000 from the pension and deposit it back the same year, twice (enough cash in your name for the deposits)TargetedPASS
CouplePensionLump sumNCCTBC
2,982annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Combined after-tax income, 2063 · PlanLens $147,613.768 · workbook $147,613.77 · 0.000001%
Deposit to pension near the transfer balance cap: the move into pension stops at the cap and the rest stays in accumulationTargetedPASS
SinglePensionNCCTBC
1,443annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your super total, 2056 · PlanLens $1,578,757.665 · workbook $1,578,757.665 · 0.000000%
Money from outside the plan: a retired couple receives a $200,000 inheritance in year 3 and spends $45,000 on a car in year 6 (household money, split evenly)TargetedPASS
ExternalCash
2,414annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2059 · PlanLens $862,356.329 · workbook $862,356.329 · 0.000000%
Money from outside the plan: a single worker spends $30,000 on a renovation in year 2 and receives a $150,000 gift in year 10TargetedPASS
ExternalCash
1,716annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Household unfunded, 2063 · PlanLens $99,224.115 · workbook $99,224.113 · 0.000003%
Money from outside the plan: a $400,000 inheritance to a couple on a part Age Pension (assets test), then $60,000 a year of extra spending for 4 yearsTargetedPASS
ExternalCashAge-pension
2,414annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2059 · PlanLens $863,311.182 · workbook $863,311.182 · 0.000000%
Selling the home: a retired homeowner couple on a part Age Pension sells the home in year 4 and keeps the proceeds as cash (the assets test changes to non-homeowner)TargetedPASS
Home-saleAge-pension
2,414annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2059 · PlanLens $1,532,637.197 · workbook $1,532,637.198 · 0.000000%
Downsizing: a retired homeowner couple sells the home in year 3 and each puts $300,000 into super as a downsizer contributionTargetedPASS
Home-saleDownsizer
2,414annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2059 · PlanLens $1,361,551.622 · workbook $1,361,551.623 · 0.000000%
CGT: a worker sells an investment property bought in 2015 at the end of 2026; the gain gets the 50% discountTargetedPASS
CGTProperty
1,794annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Your super total, 2055 · PlanLens $0.003 · workbook $0 · 0.000000%
CGT: a property bought in March 2026 and sold at the end of 2026 (held under 12 months): no discountTargetedPASS
CGTProperty
1,794annual comparisons
0material failures
0invariant rows
$0.006largest difference
Largest: Household unfunded, 2061 · PlanLens $120,651.224 · workbook $120,651.23 · 0.000005%
CGT: a property held at 1 July 2027 and sold at the end of 2029: the gain to 1 July 2027 is discounted, the gain after it is on an indexed cost base (Division 119 minimum tax may apply)TargetedPASS
CGTProperty
1,794annual comparisons
0material failures
0invariant rows
$0.005largest difference
Largest: Household unfunded, 2056 · PlanLens $57,302.838 · workbook $57,302.833 · 0.000009%
CGT: a retiree on the Age Pension sells a property after 2027: ordinary tax on the gain, no Division 119 top-upTargetedPASS
CGTProperty
1,209annual comparisons
0material failures
0invariant rows
$0.004largest difference
Largest: Your taxable income, 2028 · PlanLens $135,522.85 · workbook $135,522.854 · 0.000003%
CGT: a property sold at a loss at the end of 2026; the loss is carried forwardTargetedPASS
CGTProperty
1,794annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Your super total, 2055 · PlanLens $0.002 · workbook $0 · 0.000000%
CGT: a couple, the partner sells a property in 2031 with a 1 July 2027 valuation entered; you sell yours in 2026TargetedPASS
CGTProperty
3,053annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Household cash draw, 2053 · PlanLens $114,248.366 · workbook $114,248.367 · 0.000001%
CGT: an early retiree (60, no Age Pension, little other income) sells a property after 2027; the post-2027 gain falls in low brackets, so the Division 119 30% minimum tax adds a top-upTargetedPASS
CGTProperty
1,599annual comparisons
0material failures
0invariant rows
$0.004largest difference
Largest: Your cash open, 2063 · PlanLens $531,918.75 · workbook $531,918.755 · 0.000001%
Retirement month: birthday in October, retire 5 months later (March); salary for the months workedTargetedPASS
Months
1,677annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2057 · PlanLens $1,045,680.794 · workbook $1,045,680.794 · 0.000000%
Retirement month: birthday in October, retire 11 months later (September, the next financial year)TargetedPASS
Months
1,677annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2061 · PlanLens $1,355,448.383 · workbook $1,355,448.383 · 0.000000%
Drawdown month: the pension opens in June, so there is no minimum that yearTargetedPASS
Months
1,677annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2060 · PlanLens $1,262,435.442 · workbook $1,262,435.442 · 0.000000%
Drawdown month before the retirement month (under 65): the pension opens at retirementTargetedPASS
Months
1,677annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2062 · PlanLens $1,389,376.035 · workbook $1,389,376.035 · 0.000000%
Drawdown at 65 after retiring at 60: its own month, not tied to retirementTargetedPASS
Months
1,677annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2059 · PlanLens $1,179,486.874 · workbook $1,179,486.874 · 0.000000%
TTR from 60 at 10% stops in the retirement monthTargetedPASS
Months
1,677annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2063 · PlanLens $1,456,043.122 · workbook $1,456,043.122 · 0.000000%
TTR: single from 60 at 10%, retires at 64TargetedPASS
TTR
1,677annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2068 · PlanLens $1,743,046.475 · workbook $1,743,046.475 · 0.000000%
TTR: single from 62 at 4%, retires at 64TargetedPASS
TTR
1,677annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2058 · PlanLens $1,035,183.17 · workbook $1,035,183.17 · 0.000000%
TTR: single from 60 at 7%, retires at 67 (TTR stops at 65)TargetedPASS
TTR
1,677annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2060 · PlanLens $1,238,432.519 · workbook $1,238,432.519 · 0.000000%
TTR: from 60 at 10%, birthday 3 months after 1 July (part years)TargetedPASS
TTR
1,677annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2068 · PlanLens $1,722,556.909 · workbook $1,722,556.909 · 0.000000%
TTR: a percentage above 10% is limited to 10%TargetedPASS
TTR
1,677annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2068 · PlanLens $1,743,046.475 · workbook $1,743,046.475 · 0.000000%
TTR: couple; you from 60 at 6%, partner from 61 at 9% (partner retires at 66, so stops at 65)TargetedPASS
TTR
3,053annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2066 · PlanLens $1,627,764.344 · workbook $1,627,764.344 · 0.000000%
Loans one by one: a joint home loan for a couple (half each), with a pay downTargetedPASS
LoansPer loan
3,621annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2075 · PlanLens $586,047.197 · workbook $586,047.197 · 0.000000%
Loans one by one: your home loan split in two (different rates and repayments) and a partner investment loan with a redrawTargetedPASS
LoansPer loan
3,621annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Combined after-tax income, 2076 · PlanLens $221,577.352 · workbook $221,577.354 · 0.000001%
Loans one by one: a single person with a home loan and two investment loans, one paid downTargetedPASS
LoansPer loan
1,911annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2074 · PlanLens $797,315.21 · workbook $797,315.21 · 0.000000%
Loans one by one: a joint home loan and your own investment loan; the partner dies in 2034 and you take over every loanTargetedPASS
LoansPer loan
3,621annual comparisons
0material failures
0invariant rows
$0.004largest difference
Largest: Your shares open, 2059 · PlanLens $452,708.674 · workbook $452,708.678 · 0.000001%
Loans one by one: a joint investment loan and the partner's own investment loan, with pay downs on eachTargetedPASS
LoansPer loan
3,621annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2073 · PlanLens $284,098.957 · workbook $284,098.958 · 0.000000%
More DB pensions: single with two pensions (CPI funded from 2020; fixed 2.5% untaxed from March 2029)TargetedPASS
More pensionsDb pension
1,677annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2068 · PlanLens $812,931.654 · workbook $812,931.655 · 0.000000%
More DB pensions: couple; two more for you (one military) and one more for the partner with a 67% reversion; the partner dies in 2036TargetedPASS
More pensionsDb pensionDeath
2,698annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2063 · PlanLens $3,429,294.53 · workbook $3,429,294.53 · 0.000000%
More DB pensions: you die in 2031 at 59; your extra pension reverts 60% to the partner (56), taxed as under 60 for the deceasedTargetedPASS
More pensionsDb pensionDeath
3,550annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2063 · PlanLens $477,899.854 · workbook $477,899.854 · 0.000000%
More annuities: a joint annuity bought with cash (half each, tax-free part) next to your own annuity; assets test 60% then 30% (84 and 5 years)TargetedPASS
More pensionsAnnuity
1,775annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2050 · PlanLens $278,532.114 · workbook $278,532.114 · 0.000000%
More annuities: a joint annuity (100% to the survivor) and a partner annuity with a 60% reversion; the partner dies in 2035TargetedPASS
More pensionsAnnuityDeath
2,201annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Household shares draw, 2050 · PlanLens $52,051.522 · workbook $52,051.521 · 0.000002%
More annuities: single with three annuities (own, CPI from super, fixed 3% from cash with a different assets test factor)TargetedPASS
More pensionsAnnuity
1,287annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your super total, 2046 · PlanLens $0.001 · workbook $0 · 0.000000%
Deposit to pension and another NCC in the same year: both count towards the year's NCC; the deposit moves into pensionTargetedPASS
SinglePensionNCC
1,560annual comparisons
0material failures
0invariant rows
$0.004largest difference
Largest: Your super pension open, 2058 · PlanLens $0.004 · workbook $0 · 0.000000%
Rental loss: a couple on the income test; the partner's rental loss reduces their taxable income but counts as nil for the Age PensionTargetedPASS
CoupleRental incomeAge pensionTax
2,343annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2056 · PlanLens $113,549.677 · workbook $113,549.676 · 0.000001%
Negative gearing: a worker with a rental loss on a property bought after 12 May 2026; from 2027-28 the loss is carried forward instead of reducing taxTargetedPASS
Rental incomeTaxNegative gearing
1,989annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Your super total, 2060 · PlanLens $0.002 · workbook $0 · 0.000000%
Negative gearing: the same worker with a property bought before 12 May 2026; the loss keeps reducing taxTargetedPASS
Rental incomeTaxNegative gearing
1,989annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Your super total, 2060 · PlanLens $0.002 · workbook $0 · 0.000000%
Negative gearing: losses carried forward from 2027-28 are used against the capital gain when the property is sold in 2032TargetedPASS
Rental incomeTaxNegative gearingCGT
1,989annual comparisons
0material failures
0invariant rows
$0.013largest difference
Largest: Your shares open, 2076 · PlanLens $343,015.157 · workbook $343,015.144 · 0.000004%
Negative gearing: a couple; the partner's property makes a loss for five years then a profit, which uses up the losses carried forward; your property's loss is allowedTargetedPASS
CoupleRental incomeTaxNegative gearing
3,763annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2078 · PlanLens $350,935.319 · workbook $350,935.32 · 0.000000%
Division 296: a retiree with $5 million in an SMSF; the extra tax on the share of earnings (dividends and franking) above $3 million, paid from superTargetedPASS
SuperTaxDivision 296SMSF
1,365annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your super total, 2042 · PlanLens $10,806,610.877 · workbook $10,806,610.877 · 0.000000%
Division 296: a couple; you have $12 million in an industry fund (the further 10% above $10 million applies), your partner $1 millionTargetedPASS
CoupleSuperTaxDivision 296
3,195annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your super pension open, 2059 · PlanLens $0.001 · workbook $0 · 0.000000%
Division 296: a worker's super grows past $3 million; the threshold rises with inflation in $150,000 stepsTargetedPASS
SuperTaxDivision 296
2,184annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2081 · PlanLens $7,241,184.525 · workbook $7,241,184.526 · 0.000000%
Division 296: half of a $4 million balance in an SMSF and half in an industry fund; earnings are dividends and franking credits on the whole balanceTargetedPASS
SuperTaxDivision 296SMSF
1,209annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2056 · PlanLens $1,842,154.555 · workbook $1,842,154.555 · 0.000000%
Single homeowner · younger working phase · $60k starting super · variation 1Generated sweepPASS
CarryforwardFrankingHome loanHomeownerRental incomeRental propertyResidenceSharesSingleVaried centrelink indexingWorkingYoung
2,457annual comparisons
0material failures
0invariant rows
$0.004largest difference
Largest: Your super total, 2070 · PlanLens $0.004 · workbook $0 · 0.000000%
Single homeowner · younger working phase · $60k starting super · variation 2Generated sweepPASS
CarryforwardExtra CCFrankingHome loanHomeownerNCCResidenceSharesSingleVaried property growthVaried super returnsWorkingYoung
2,457annual comparisons
0material failures
0invariant rows
$0.005largest difference
Largest: Your cash open, 2088 · PlanLens $5,038,599.122 · workbook $5,038,599.117 · 0.000000%
Single homeowner · younger working phase · $450k starting super · variation 1Generated sweepPASS
CarryforwardCashHomeownerNCCOverseas pension frozenResidenceSingleWorkingYoung
2,457annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your super income, 2085 · PlanLens $0.001 · workbook $0.001 · 0.000000%
Single homeowner · younger working phase · $450k starting super · variation 2Generated sweepPASS
CashDeductionsHome loanHomeownerResidenceSingleSMSF mixVaried centrelink indexingVaried rent growthVaried super returnsWorkingYoung
2,457annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2088 · PlanLens $15,107,617.204 · workbook $15,107,617.205 · 0.000000%
Single homeowner · younger working phase · $1,300k starting super · variation 1Generated sweepPASS
CashDeductionsFrankingHome loanHomeownerNCCRental incomeRental propertyResidenceSharesSingleVaried rent growthWorkingYoung
2,457annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your super pension open, 2082 · PlanLens $0.001 · workbook $0 · 0.000000%
Single homeowner · younger working phase · $1,300k starting super · variation 2Generated sweepPASS
CarryforwardExtra CCFrankingHomeownerOther incomeSharesSingleVaried rent growthWorkingYoung
2,457annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2079 · PlanLens $2,854,684.446 · workbook $2,854,684.448 · 0.000000%
Single homeowner · mid-career working phase · $200k starting super · variation 1Generated sweepPASS
Extra CCHomeownerInvestment loanMidOther incomeRental incomeRental propertySingleVaried rent growthVaried super returnsVaried tax indexingWorking
1,989annual comparisons
0material failures
0invariant rows
$0.005largest difference
Largest: Your super total, 2061 · PlanLens $0.005 · workbook $0 · 0.000000%
Single homeowner · mid-career working phase · $200k starting super · variation 2Generated sweepPASS
CashHomeownerMidNCCOverseas pension frozenSingleVaried tax indexingWorking
1,989annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2076 · PlanLens $268,346.121 · workbook $268,346.122 · 0.000000%
Single homeowner · mid-career working phase · $800k starting super · variation 1Generated sweepPASS
CarryforwardCashExtra CCFrankingHomeownerMidOverseas pension indexedResidenceSharesSingleWorking
1,989annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Your cash open, 2076 · PlanLens $7,026,987.296 · workbook $7,026,987.297 · 0.000000%
Single homeowner · mid-career working phase · $800k starting super · variation 2Generated sweepPASS
CashDeductionsFrankingHomeownerMidNCCRental incomeRental propertyResidenceSharesSingleVaried centrelink indexingVaried super returnsWorking
1,989annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Your cash open, 2076 · PlanLens $13,125,835.096 · workbook $13,125,835.097 · 0.000000%
Single homeowner · pre-retirement · $60k starting super · variation 1Generated sweepPASS
CarryforwardExtra CCHomeownerOther incomePreretSingleVaried property growthWorking
1,599annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2066 · PlanLens $983,140.007 · workbook $983,140.008 · 0.000000%
Single homeowner · pre-retirement · $60k starting super · variation 2Generated sweepPASS
CarryforwardHome loanHomeownerInvestment loanOverseas pension indexedPreretRental incomeRental propertyResidenceSingleVaried inflationVaried super returnsWorking
1,599annual comparisons
0material failures
0invariant rows
$0.004largest difference
Largest: Your super total, 2051 · PlanLens $0.004 · workbook $0 · 0.000000%
Single homeowner · pre-retirement · $450k starting super · variation 1Generated sweepPASS
FrankingHomeownerOverseas pension indexedPreretResidenceShare saleSharesSingleSMSF mixVaried tax indexingWorking
1,599annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Your super total, 2060 · PlanLens $0.002 · workbook $0 · 0.000000%
Single homeowner · pre-retirement · $450k starting super · variation 2Generated sweepPASS
CashFrankingHomeownerPreretResidenceShare saleSharesSingleVaried inflationWorking
1,599annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Household shares draw, 2049 · PlanLens $158,957.708 · workbook $158,957.709 · 0.000000%
Single homeowner · pre-retirement · $1,300k starting super · variation 1Generated sweepPASS
CarryforwardCashExtra CCFrankingHome loanHomeownerOther incomePreretResidenceSharesSingleWorking
1,599annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2066 · PlanLens $4,823,942.526 · workbook $4,823,942.526 · 0.000000%
Single homeowner · pre-retirement · $1,300k starting super · variation 2Generated sweepPASS
CarryforwardCashDeductionsDownsizerHomeownerPreretResidenceSingleVaried inflationWorking
1,599annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Your super pension open, 2060 · PlanLens $0.003 · workbook $0 · 0.000000%
Single homeowner · newly retired · $200k starting super · variation 1Generated sweepPASS
CashHomeownerNewretOverseas pension indexedResidenceRetiredSingleSMSF mixVaried rent growthVaried super returnsWork bonus
1,326annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Your super total, 2054 · PlanLens $0.002 · workbook $0 · 0.000000%
Single homeowner · newly retired · $200k starting super · variation 2Generated sweepPASS
CashHome loanHomeownerNewretRental incomeRental propertyResidenceRetiredSingleWork bonus
1,326annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Your super total, 2039 · PlanLens $0.003 · workbook $0 · 0.000000%
Single homeowner · newly retired · $800k starting super · variation 1Generated sweepPASS
CashDeductionsFrankingHomeownerNCCNewretRental incomeRental propertyRetiredSharesSingleVaried centrelink indexingWork bonus
1,326annual comparisons
0material failures
0invariant rows
$0.004largest difference
Largest: Combined after-tax income, 2059 · PlanLens $143,447.313 · workbook $143,447.317 · 0.000003%
Single homeowner · newly retired · $800k starting super · variation 2Generated sweepPASS
HomeownerNCCNewretOverseas pension indexedResidenceRetiredSingleWork bonus
1,326annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2059 · PlanLens $1,731,840.357 · workbook $1,731,840.358 · 0.000000%
Single homeowner · mid-retirement · $60k starting super · variation 1Generated sweepPASS
FrankingHomeownerInvestment loanMidretOther incomeRental incomeRental propertyResidenceRetiredSharesSingleWork bonus
1,131annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your super total, 2036 · PlanLens $0 · workbook $0 · 0.000000%
Single homeowner · mid-retirement · $60k starting super · variation 2Generated sweepPASS
CashHome loanHomeownerMidretRental incomeRental propertyResidenceRetiredSingleVaried centrelink indexingWork bonus
1,131annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your super total, 2036 · PlanLens $0.001 · workbook $0 · 0.000000%
Single homeowner · mid-retirement · $450k starting super · variation 1Generated sweepPASS
DeductionsHomeownerInvestment loanMidretOther incomeRental incomeRental propertyResidenceRetiredSingleVaried inflationVaried super returnsWork bonus
1,131annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2054 · PlanLens $452,666.509 · workbook $452,666.509 · 0.000000%
Single homeowner · mid-retirement · $450k starting super · variation 2Generated sweepPASS
CashHome loanHomeownerMidretOther incomeRental incomeRental propertyResidenceRetiredSingleWork bonus
1,131annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your super total, 2046 · PlanLens $0.001 · workbook $0 · 0.000000%
Single homeowner · mid-retirement · $1,300k starting super · variation 1Generated sweepPASS
CashFrankingHomeownerMidretOther incomeResidenceRetiredSharesSingleSMSF mixVaried inflationVaried property growthVaried super returnsWork bonus
1,131annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2054 · PlanLens $3,081,396.314 · workbook $3,081,396.315 · 0.000000%
Single homeowner · mid-retirement · $1,300k starting super · variation 2Generated sweepPASS
DownsizerFrankingHomeownerMidretOverseas pension frozenRetiredSharesSingleVaried property growthWork bonus
1,131annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2054 · PlanLens $1,125,440.187 · workbook $1,125,440.186 · 0.000000%
Single homeowner · later retirement · $200k starting super · variation 1Generated sweepPASS
DeepretHome loanHomeownerInvestment loanOther incomeRental incomeRental propertyResidenceRetiredSingleSMSF mixWork bonus
897annual comparisons
0material failures
0invariant rows
$0.004largest difference
Largest: Your super total, 2039 · PlanLens $0.004 · workbook $0 · 0.000000%
Single homeowner · later retirement · $200k starting super · variation 2Generated sweepPASS
DeepretHome loanHomeownerOther incomeResidenceRetiredSingleSMSF mixVaried rent growthVaried super returnsWork bonus
897annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2048 · PlanLens $358,676.823 · workbook $358,676.823 · 0.000000%
Single homeowner · later retirement · $800k starting super · variation 1Generated sweepPASS
DeepretHomeownerInvestment loanOther incomeOverseas pension indexedRental incomeRental propertyRetiredSingleWork bonus
897annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2048 · PlanLens $1,713,528.237 · workbook $1,713,528.237 · 0.000000%
Single homeowner · later retirement · $800k starting super · variation 2Generated sweepPASS
CashDeepretFrankingHomeownerResidenceRetiredSharesSingleSMSF mixVaried inflationVaried super returnsWork bonus
897annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2048 · PlanLens $1,549,670.851 · workbook $1,549,670.851 · 0.000000%
Single non-homeowner · younger working phase · $60k starting super · variation 1Generated sweepPASS
CarryforwardCashFrankingInvestment loanNon homeownerOverseas pension indexedRental incomeRental propertySharesSingleWorkingYoung
2,457annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Household unfunded, 2077 · PlanLens $8,649.491 · workbook $8,649.491 · 0.000005%
Single non-homeowner · younger working phase · $60k starting super · variation 2Generated sweepPASS
CarryforwardCashInvestment loanNCCNon homeownerOther incomeOverseas pension indexedRental incomeRental propertySingleVaried inflationWorkingYoung
2,457annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your super total, 2079 · PlanLens $0.001 · workbook $0 · 0.000000%
Single non-homeowner · younger working phase · $450k starting super · variation 1Generated sweepPASS
CarryforwardInvestment loanNon homeownerRental incomeRental propertySingleWorkingYoung
2,457annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Combined after-tax income, 2083 · PlanLens $142,471.713 · workbook $142,471.714 · 0.000001%
Single non-homeowner · younger working phase · $450k starting super · variation 2Generated sweepPASS
CashNon homeownerOverseas pension frozenSingleVaried rent growthWorkingYoung
2,457annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Your cash open, 2088 · PlanLens $4,652,166.056 · workbook $4,652,166.059 · 0.000000%
Single non-homeowner · younger working phase · $1,300k starting super · variation 1Generated sweepPASS
CashDeductionsFrankingNCCNon homeownerSharesSingleWorkingYoung
2,457annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2088 · PlanLens $7,007,134.623 · workbook $7,007,134.623 · 0.000000%
Single non-homeowner · younger working phase · $1,300k starting super · variation 2Generated sweepPASS
CashDeductionsNon homeownerSingleSMSF mixVaried tax indexingWorkingYoung
2,457annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Your cash open, 2088 · PlanLens $30,133,372.513 · workbook $30,133,372.516 · 0.000000%
Single non-homeowner · mid-career working phase · $200k starting super · variation 1Generated sweepPASS
CarryforwardCashExtra CCMidNon homeownerOther incomeSingleVaried rent growthWorking
1,989annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2076 · PlanLens $2,362,853.976 · workbook $2,362,853.976 · 0.000000%
Single non-homeowner · mid-career working phase · $200k starting super · variation 2Generated sweepPASS
Extra CCFrankingMidNon homeownerShare saleSharesSingleVaried inflationVaried super returnsWorking
1,989annual comparisons
0material failures
0invariant rows
$0.005largest difference
Largest: Your super total, 2072 · PlanLens $0.005 · workbook $0 · 0.000000%
Single non-homeowner · mid-career working phase · $800k starting super · variation 1Generated sweepPASS
Extra CCFrankingInvestment loanMidNCCNon homeownerRental incomeRental propertyShare saleSharesSingleVaried centrelink indexingVaried rent growthWorking
1,989annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2076 · PlanLens $8,222,818.958 · workbook $8,222,818.958 · 0.000000%
Single non-homeowner · mid-career working phase · $800k starting super · variation 2Generated sweepPASS
CarryforwardCashMidNon homeownerSingleVaried centrelink indexingVaried inflationWorking
1,989annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your super total, 2069 · PlanLens $0.001 · workbook $0 · 0.000000%
Single non-homeowner · pre-retirement · $60k starting super · variation 1Generated sweepPASS
CarryforwardFrankingNon homeownerOther incomePreretRental incomeRental propertyShare saleSharesSingleSMSF mixWorking
1,599annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Your super total, 2051 · PlanLens $0.003 · workbook $0 · 0.000000%
Single non-homeowner · pre-retirement · $60k starting super · variation 2Generated sweepPASS
CashExtra CCNCCNon homeownerOverseas pension indexedPreretSingleVaried inflationWorking
1,599annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your super total, 2046 · PlanLens $0 · workbook $0 · 0.000000%
Single non-homeowner · pre-retirement · $450k starting super · variation 1Generated sweepPASS
CarryforwardFrankingNon homeownerPreretSharesSingleSMSF mixVaried inflationVaried rent growthWorking
1,599annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2066 · PlanLens $4,238,347.934 · workbook $4,238,347.935 · 0.000000%
Single non-homeowner · pre-retirement · $450k starting super · variation 2Generated sweepPASS
Extra CCFrankingInvestment loanNon homeownerPreretRental incomeRental propertySharesSingleSMSF mixWorking
1,599annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2066 · PlanLens $3,483,312.945 · workbook $3,483,312.945 · 0.000000%
Single non-homeowner · pre-retirement · $1,300k starting super · variation 1Generated sweepPASS
CarryforwardDownsizerExtra CCFrankingNon homeownerPreretRental incomeRental propertySharesSingleVaried inflationVaried super returnsWorking
1,599annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your super total, 2057 · PlanLens $0.001 · workbook $0 · 0.000000%
Single non-homeowner · pre-retirement · $1,300k starting super · variation 2Generated sweepPASS
CarryforwardCashExtra CCNon homeownerPreretSingleWorking
1,599annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2066 · PlanLens $5,365,045.188 · workbook $5,365,045.189 · 0.000000%
Single non-homeowner · newly retired · $200k starting super · variation 1Generated sweepPASS
CashInvestment loanNCCNewretNon homeownerOther incomeRental incomeRental propertyRetiredSingleVaried centrelink indexingVaried property growthVaried super returnsWork bonus
1,326annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Your super pension open, 2037 · PlanLens $0.002 · workbook $0 · 0.000000%
Single non-homeowner · newly retired · $200k starting super · variation 2Generated sweepPASS
NewretNon homeownerRetiredSingleVaried inflationVaried super returnsWork bonus
1,326annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your super total, 2039 · PlanLens $0.001 · workbook $0 · 0.000000%
Single non-homeowner · newly retired · $800k starting super · variation 1Generated sweepPASS
CashFrankingNewretNon homeownerRetiredSharesSingleVaried property growthWork bonus
1,326annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2059 · PlanLens $4,970,244.122 · workbook $4,970,244.122 · 0.000000%
Single non-homeowner · newly retired · $800k starting super · variation 2Generated sweepPASS
CashFrankingNCCNewretNon homeownerOther incomeRetiredSharesSingleWork bonus
1,326annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Your cash open, 2059 · PlanLens $1,123,743.098 · workbook $1,123,743.096 · 0.000000%
Single non-homeowner · mid-retirement · $60k starting super · variation 1Generated sweepPASS
DeductionsInvestment loanMidretNon homeownerOverseas pension frozenRental incomeRental propertyRetiredSingleSMSF mixVaried rent growthWork bonus
1,131annual comparisons
0material failures
0invariant rows
$0.004largest difference
Largest: Your super total, 2044 · PlanLens $0.004 · workbook $0 · 0.000000%
Single non-homeowner · mid-retirement · $60k starting super · variation 2Generated sweepPASS
MidretNon homeownerRetiredSingleVaried super returnsWork bonus
1,131annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your super total, 2035 · PlanLens $0.001 · workbook $0 · 0.000000%
Single non-homeowner · mid-retirement · $450k starting super · variation 1Generated sweepPASS
CashDownsizerFrankingMidretNon homeownerRetiredSharesSingleWork bonus
1,131annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your super total, 2047 · PlanLens $1,163,589.491 · workbook $1,163,589.491 · 0.000000%
Single non-homeowner · mid-retirement · $450k starting super · variation 2Generated sweepPASS
CashDeductionsFrankingInvestment loanMidretNon homeownerOther incomeRental incomeRental propertyRental saleRetiredSharesSingleVaried inflationWork bonus
1,131annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your rental open, 2053 · PlanLens $555,048.44 · workbook $555,048.44 · 0.000000%
Single non-homeowner · mid-retirement · $1,300k starting super · variation 1Generated sweepPASS
CashFrankingMidretNon homeownerRetiredSharesSingleSMSF mixVaried super returnsWork bonus
1,131annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2054 · PlanLens $5,460,951.252 · workbook $5,460,951.252 · 0.000000%
Single non-homeowner · mid-retirement · $1,300k starting super · variation 2Generated sweepPASS
CashDeductionsFrankingMidretNCCNon homeownerOverseas pension indexedRetiredSharesSingleVaried super returnsWork bonus
1,131annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2054 · PlanLens $3,192,329.939 · workbook $3,192,329.939 · 0.000000%
Single non-homeowner · later retirement · $200k starting super · variation 1Generated sweepPASS
CashDeepretNon homeownerOverseas pension frozenRetiredSingleWork bonus
897annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2048 · PlanLens $757,239.771 · workbook $757,239.771 · 0.000000%
Single non-homeowner · later retirement · $200k starting super · variation 2Generated sweepPASS
CashDeepretFrankingInvestment loanNon homeownerRental incomeRental propertyRetiredSharesSingleVaried inflationWork bonus
897annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Household shares draw, 2039 · PlanLens $23,747.428 · workbook $23,747.429 · 0.000006%
Single non-homeowner · later retirement · $800k starting super · variation 1Generated sweepPASS
CashDeepretNon homeownerRental incomeRental propertyRental saleRetiredSingleVaried property growthWork bonus
897annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2048 · PlanLens $2,915,022.096 · workbook $2,915,022.096 · 0.000000%
Single non-homeowner · later retirement · $800k starting super · variation 2Generated sweepPASS
DeepretFrankingNon homeownerRetiredSharesSingleWork bonus
897annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2048 · PlanLens $1,822,155.633 · workbook $1,822,155.633 · 0.000000%
Couple homeowner · younger working phase · $60k starting super · matched couple inputs · variation 1Generated sweepPASS
CashCoupleHomeownerInvestment loanOther incomeRental incomeRental propertyResidenceVaried super returnsVaried tax indexingWorkingYoung
4,473annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Partner cash open, 2088 · PlanLens $-0.002 · workbook $0 · 0.000000%
Couple homeowner · younger working phase · $60k starting super · matched couple inputs · variation 2Generated sweepPASS
CashCoupleFrankingHomeownerInvestment loanOther incomeRental incomeRental propertyResidenceSharesVaried property growthVaried super returnsWorkingYoung
4,473annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Combined after-tax income, 2081 · PlanLens $280,521.6 · workbook $280,521.6 · 0.000000%
Couple homeowner · younger working phase · $60k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleFrankingHome loanHomeownerOverseas pension frozenResidenceSharesVaried inflationWorkingYoung
4,686annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Partner cash open, 2090 · PlanLens $2,186,384.847 · workbook $2,186,384.849 · 0.000000%
Couple homeowner · younger working phase · $60k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CoupleFrankingHome loanHomeownerOther incomeOverseas pension frozenResidenceShare purchaseSharesSMSF mixVaried centrelink indexingWorkingYoung
4,686annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Household unfunded, 2084 · PlanLens $708,906.731 · workbook $708,906.731 · 0.000000%
Couple homeowner · younger working phase · $450k starting super · matched couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleHomeownerInvestment loanRental incomeRental propertyVaried centrelink indexingVaried rent growthWorkingYoung
4,473annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Combined after-tax income, 2083 · PlanLens $40,564.498 · workbook $40,564.498 · 0.000001%
Couple homeowner · younger working phase · $450k starting super · matched couple inputs · variation 2Generated sweepPASS
CarryforwardCashCoupleFrankingHome loanHomeownerInvestment loanRental incomeRental propertyResidenceSharesWorkingYoung
4,473annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2088 · PlanLens $11,797,502.848 · workbook $11,797,502.849 · 0.000000%
Couple homeowner · younger working phase · $450k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleExtra CCFrankingHome loanHomeownerInvestment loanOverseas pension frozenRental incomeRental propertyResidenceSharesSMSF mixWorkingYoung
4,686annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Partner cash open, 2091 · PlanLens $41,935,019.62 · workbook $41,935,019.619 · 0.000000%
Couple homeowner · younger working phase · $450k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CarryforwardCashCoupleHomeownerInvestment loanOther incomeOverseas pension frozenRental incomeRental propertyResidenceVaried centrelink indexingWorkingYoung
4,686annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Partner cash open, 2091 · PlanLens $7,798,515.535 · workbook $7,798,515.537 · 0.000000%
Couple homeowner · younger working phase · $1,300k starting super · matched couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleDeductionsFrankingHomeownerOther incomeResidenceSharesSMSF mixVaried super returnsWorkingYoung
4,473annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2088 · PlanLens $36,796,429.639 · workbook $36,796,429.64 · 0.000000%
Couple homeowner · younger working phase · $1,300k starting super · matched couple inputs · variation 2Generated sweepPASS
CashCoupleDeductionsFrankingHomeownerNCCOther incomeOverseas pension frozenOverseas pension indexedResidenceSharesSMSF mixWorkingYoung
4,473annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your super pension open, 2086 · PlanLens $0.001 · workbook $0 · 0.000000%
Couple homeowner · younger working phase · $1,300k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleExtra CCFrankingHomeownerOther incomeRental incomeRental propertyResidenceSharesSMSF mixVaried centrelink indexingVaried tax indexingWorkingYoung
4,686annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Partner cash open, 2091 · PlanLens $28,134,154.926 · workbook $28,134,154.927 · 0.000000%
Couple homeowner · younger working phase · $1,300k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CarryforwardCashCoupleDeductionsFrankingHomeownerOther incomeResidenceShare purchaseSharesSMSF mixWorkingYoung
4,686annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Your cash open, 2091 · PlanLens $15,878,727.076 · workbook $15,878,727.078 · 0.000000%
Couple homeowner · mid-career working phase · $200k starting super · matched couple inputs · variation 1Generated sweepPASS
CashCoupleFrankingHomeownerInvestment loanMidOverseas pension indexedRental incomeRental propertyResidenceSharesSMSF mixWorking
3,621annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Your cash open, 2076 · PlanLens $8,775,254.605 · workbook $8,775,254.607 · 0.000000%
Couple homeowner · mid-career working phase · $200k starting super · matched couple inputs · variation 2Generated sweepPASS
CashCoupleFrankingHomeownerMidPartner NCCSharesVaried rent growthVaried super returnsWorking
3,621annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Your super total, 2061 · PlanLens $0.002 · workbook $0 · 0.000000%
Couple homeowner · mid-career working phase · $200k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleFrankingHome loanHomeownerMidOther incomePartner share saleResidenceSharesWorking
3,834annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2079 · PlanLens $2,225,629.184 · workbook $2,225,629.185 · 0.000000%
Couple homeowner · mid-career working phase · $200k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CarryforwardCashCoupleDeductionsHome loanHomeownerMidNCCOverseas pension indexedRental incomeRental propertyResidenceSMSF mixVaried property growthWorking
3,834annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Partner super total, 2064 · PlanLens $0.003 · workbook $0 · 0.000000%
Couple homeowner · mid-career working phase · $800k starting super · matched couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleDeductionsFrankingHome loanHomeownerMidOverseas pension indexedResidenceSharesSMSF mixVaried inflationWorking
3,621annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2076 · PlanLens $6,068,819.892 · workbook $6,068,819.892 · 0.000000%
Couple homeowner · mid-career working phase · $800k starting super · matched couple inputs · variation 2Generated sweepPASS
CarryforwardCashCoupleDeductionsHomeownerInvestment loanMidOther incomeRental incomeRental propertyResidenceVaried property growthWorking
3,621annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2072 · PlanLens $1,064,681.904 · workbook $1,064,681.904 · 0.000000%
Couple homeowner · mid-career working phase · $800k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleFrankingHome loanHomeownerMidOther incomeResidenceSharesWorking
3,834annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Partner cash open, 2079 · PlanLens $7,491,309.781 · workbook $7,491,309.784 · 0.000000%
Couple homeowner · mid-career working phase · $800k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CarryforwardCashCoupleFrankingHome loanHomeownerMidOverseas pension indexedResidenceSharesVaried super returnsWorking
3,834annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2077 · PlanLens $1,344,259.278 · workbook $1,344,259.278 · 0.000000%
Couple homeowner · pre-retirement · $60k starting super · matched couple inputs · variation 1Generated sweepPASS
CashCoupleDownsizerExtra CCFrankingHomeownerOther incomePartner NCCPreretRental incomeRental propertyResidenceSharesSMSF mixVaried super returnsWorking
2,911annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2052 · PlanLens $537,935.285 · workbook $537,935.285 · 0.000000%
Couple homeowner · pre-retirement · $60k starting super · matched couple inputs · variation 2Generated sweepPASS
CarryforwardCashCoupleExtra CCFrankingHomeownerOther incomePreretResidenceSharesVaried tax indexingWorking
2,911annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2066 · PlanLens $82,007.743 · workbook $82,007.743 · 0.000000%
Couple homeowner · pre-retirement · $60k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleHomeownerOther incomePreretResidenceVaried tax indexingWorking
3,124annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2069 · PlanLens $193,802.902 · workbook $193,802.902 · 0.000000%
Couple homeowner · pre-retirement · $60k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CarryforwardCashCoupleDeductionsFrankingHomeownerInvestment loanOther incomeOverseas pension frozenPreretRental incomeRental propertyResidenceSharesVaried inflationVaried rent growthWorking
3,124annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner super total, 2049 · PlanLens $0 · workbook $0 · 0.000000%
Couple homeowner · pre-retirement · $450k starting super · matched couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleFrankingHome loanHomeownerInvestment loanOther incomePreretRental incomeRental propertyResidenceSharesSMSF mixVaried property growthWorking
2,911annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Partner super total, 2065 · PlanLens $0.002 · workbook $0 · 0.000000%
Couple homeowner · pre-retirement · $450k starting super · matched couple inputs · variation 2Generated sweepPASS
CashCoupleDownsizerFrankingHome loanHomeownerOther incomeOverseas pension indexedPreretRental incomeRental propertyResidenceSharesSMSF mixVaried inflationWorking
2,911annual comparisons
0material failures
0invariant rows
$0.007largest difference
Largest: Your cash open, 2066 · PlanLens $5,560,091.484 · workbook $5,560,091.477 · 0.000000%
Couple homeowner · pre-retirement · $450k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleDeductionsExtra CCFrankingHomeownerOther incomeOverseas pension indexedPreretSharesSMSF mixWorking
3,124annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2069 · PlanLens $4,738,889.959 · workbook $4,738,889.959 · 0.000000%
Couple homeowner · pre-retirement · $450k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CashCoupleHomeownerOverseas pension frozenPreretWorking
3,124annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Combined after-tax income, 2045 · PlanLens $95,310.676 · workbook $95,310.677 · 0.000001%
Couple homeowner · pre-retirement · $1,300k starting super · matched couple inputs · variation 1Generated sweepPASS
CoupleDownsizerExtra CCFrankingHome loanHomeownerOther incomeOverseas pension indexedPartner share salePreretRental incomeRental propertyResidenceSharesVaried super returnsWorking
2,911annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2066 · PlanLens $11,296,191.768 · workbook $11,296,191.767 · 0.000000%
Couple homeowner · pre-retirement · $1,300k starting super · matched couple inputs · variation 2Generated sweepPASS
CarryforwardCoupleHomeownerOther incomeOverseas pension frozenOverseas pension indexedPreretResidenceWorking
2,911annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Household unfunded, 2066 · PlanLens $147,204.059 · workbook $147,204.059 · 0.000000%
Couple homeowner · pre-retirement · $1,300k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleFrankingHomeownerInvestment loanOther incomeOverseas pension indexedPreretRental incomeRental propertyResidenceSharesSMSF mixWorking
3,124annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Partner cash open, 2069 · PlanLens $8,309,823.721 · workbook $8,309,823.721 · 0.000000%
Couple homeowner · pre-retirement · $1,300k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CashCoupleFrankingHome loanHomeownerOverseas pension frozenPartner share salePreretResidenceSharesSMSF mixVaried centrelink indexingVaried property growthWorking
3,124annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2069 · PlanLens $7,681,564.428 · workbook $7,681,564.43 · 0.000000%
Couple homeowner · newly retired · $200k starting super · matched couple inputs · variation 1Generated sweepPASS
CashCoupleHome loanHomeownerNewretOverseas pension indexedResidenceRetiredVaried inflationVaried property growthWork bonus
2,414annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Household unfunded, 2040 · PlanLens $92,610.767 · workbook $92,610.765 · 0.000003%
Couple homeowner · newly retired · $200k starting super · matched couple inputs · variation 2Generated sweepPASS
CashCoupleFrankingHome loanHomeownerNewretOverseas pension frozenResidenceRetiredSharesSMSF mixVaried rent growthWork bonus
2,414annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2059 · PlanLens $618,494.063 · workbook $618,494.063 · 0.000000%
Couple homeowner · newly retired · $200k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CashCoupleDeductionsHomeownerNewretOther incomeOverseas pension frozenOverseas pension indexedResidenceRetiredSMSF mixVaried inflationWork bonus
2,414annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Household unfunded, 2044 · PlanLens $91,167.799 · workbook $91,167.797 · 0.000001%
Couple homeowner · newly retired · $200k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CashCoupleDeductionsDownsizerFrankingHomeownerNewretOther incomeOverseas pension frozenResidenceRetiredSharesSMSF mixWork bonus
2,414annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2059 · PlanLens $397,266.972 · workbook $397,266.972 · 0.000000%
Couple homeowner · newly retired · $800k starting super · matched couple inputs · variation 1Generated sweepPASS
CoupleFrankingHome loanHomeownerNewretOther incomeOverseas pension indexedRental incomeRental propertyResidenceRetiredShare saleSharesVaried inflationVaried super returnsWork bonus
2,414annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2059 · PlanLens $2,997,679.133 · workbook $2,997,679.133 · 0.000000%
Couple homeowner · newly retired · $800k starting super · matched couple inputs · variation 2Generated sweepPASS
CashCoupleDeductionsFrankingHome loanHomeownerNewretOverseas pension indexedPartner share saleRental incomeRental propertyResidenceRetiredSharesVaried super returnsVaried tax indexingWork bonus
2,414annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2059 · PlanLens $1,878,961.557 · workbook $1,878,961.557 · 0.000000%
Couple homeowner · newly retired · $800k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CashCoupleFrankingHomeownerNCCNewretOverseas pension frozenPartner share saleRental incomeRental propertyResidenceRetiredSharesVaried inflationWork bonus
2,414annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2059 · PlanLens $3,620,782.681 · workbook $3,620,782.682 · 0.000000%
Couple homeowner · newly retired · $800k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CashCoupleFrankingHomeownerNewretOther incomeOverseas pension frozenPartner share saleResidenceRetiredSharesVaried rent growthWork bonus
2,414annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2059 · PlanLens $1,586,338.412 · workbook $1,586,338.412 · 0.000000%
Couple homeowner · mid-retirement · $60k starting super · matched couple inputs · variation 1Generated sweepPASS
CashCoupleFrankingHomeownerInvestment loanMidretOverseas pension frozenRental incomeRental propertyResidenceRetiredSharesVaried centrelink indexingVaried inflationWork bonus
2,059annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Household shares draw, 2042 · PlanLens $77,219.64 · workbook $77,219.642 · 0.000003%
Couple homeowner · mid-retirement · $60k starting super · matched couple inputs · variation 2Generated sweepPASS
CashCoupleDeductionsFrankingHome loanHomeownerInvestment loanMidretNCCOther incomeRental incomeRental propertyResidenceRetiredSharesVaried centrelink indexingWork bonus
2,059annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Partner cash open, 2054 · PlanLens $1,778,706.443 · workbook $1,778,706.44 · 0.000000%
Couple homeowner · mid-retirement · $60k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CashCoupleDeductionsFrankingHome loanHomeownerMidretNCCOverseas pension frozenResidenceRetiredShare purchaseSharesVaried inflationVaried super returnsWork bonus
2,272annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Household cash draw, 2033 · PlanLens $44,995.063 · workbook $44,995.061 · 0.000006%
Couple homeowner · mid-retirement · $60k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CashCoupleFrankingHome loanHomeownerMidretOverseas pension frozenOverseas pension indexedRental incomeRental propertyResidenceRetiredSharesVaried inflationVaried super returnsWork bonus
2,272annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Household shares draw, 2044 · PlanLens $11,715.682 · workbook $11,715.683 · 0.000009%
Couple homeowner · mid-retirement · $450k starting super · matched couple inputs · variation 1Generated sweepPASS
CashCoupleHome loanHomeownerMidretOther incomeRental incomeRental propertyResidenceRetiredSMSF mixVaried property growthVaried super returnsWork bonus
2,059annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2054 · PlanLens $1,166,580.515 · workbook $1,166,580.515 · 0.000000%
Couple homeowner · mid-retirement · $450k starting super · matched couple inputs · variation 2Generated sweepPASS
CashCoupleFrankingHome loanHomeownerMidretResidenceRetiredSharesSMSF mixWork bonus
2,059annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Combined after-tax income, 2043 · PlanLens $75,056.813 · workbook $75,056.814 · 0.000001%
Couple homeowner · mid-retirement · $450k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CashCoupleHomeownerInvestment loanMidretOther incomePartner NCCRental incomeRental propertyResidenceRetiredVaried centrelink indexingVaried property growthVaried super returnsWork bonus
2,272annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Your cash open, 2057 · PlanLens $1,224,544.198 · workbook $1,224,544.195 · 0.000000%
Couple homeowner · mid-retirement · $450k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CashCoupleDeductionsDownsizerFrankingHomeownerMidretOverseas pension frozenRental incomeRental propertyResidenceRetiredSharesWork bonus
2,272annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Your super income, 2052 · PlanLens $87,501.423 · workbook $87,501.425 · 0.000003%
Couple homeowner · mid-retirement · $1,300k starting super · matched couple inputs · variation 1Generated sweepPASS
CashCoupleFrankingHomeownerMidretOther incomeRental incomeRental propertyResidenceRetiredSharesVaried centrelink indexingVaried rent growthVaried super returnsWork bonus
2,059annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2054 · PlanLens $1,815,653.815 · workbook $1,815,653.815 · 0.000000%
Couple homeowner · mid-retirement · $1,300k starting super · matched couple inputs · variation 2Generated sweepPASS
CashCoupleFrankingHome loanHomeownerMidretResidenceRetiredSharesWork bonus
2,059annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2052 · PlanLens $99,113.208 · workbook $99,113.208 · 0.000000%
Couple homeowner · mid-retirement · $1,300k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CoupleDeductionsFrankingHomeownerMidretOther incomeRental incomeRental propertyResidenceRetiredSharesVaried property growthVaried super returnsWork bonus
2,272annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2057 · PlanLens $5,266,908.53 · workbook $5,266,908.53 · 0.000000%
Couple homeowner · mid-retirement · $1,300k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CashCoupleDeductionsFrankingHome loanHomeownerInvestment loanMidretOther incomeOverseas pension indexedRental incomeRental propertyResidenceRetiredSharesWork bonus
2,272annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2057 · PlanLens $2,246,461.394 · workbook $2,246,461.394 · 0.000000%
Couple homeowner · later retirement · $200k starting super · matched couple inputs · variation 1Generated sweepPASS
CashCoupleDeepretFrankingHomeownerRental incomeRental propertyResidenceRetiredSharesSMSF mixVaried centrelink indexingVaried super returnsWork bonus
1,633annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your rental open, 2045 · PlanLens $1,580,136.882 · workbook $1,580,136.882 · 0.000000%
Couple homeowner · later retirement · $200k starting super · matched couple inputs · variation 2Generated sweepPASS
CashCoupleDeepretFrankingHomeownerOther incomeResidenceRetiredSharesVaried centrelink indexingVaried inflationVaried rent growthVaried tax indexingWork bonus
1,633annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your shares open, 2040 · PlanLens $673,651.065 · workbook $673,651.066 · 0.000000%
Couple homeowner · later retirement · $200k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CashCoupleDeepretFrankingHome loanHomeownerOther incomeOverseas pension frozenResidenceRetiredSharesVaried super returnsVaried tax indexingWork bonus
1,846annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Combined after-tax income, 2036 · PlanLens $108,823.904 · workbook $108,823.905 · 0.000000%
Couple homeowner · later retirement · $200k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CashCoupleDeductionsDeepretFrankingHomeownerRental incomeRental propertyRental saleResidenceRetiredSharesSMSF mixVaried inflationVaried super returnsWork bonus
1,846annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2051 · PlanLens $2,388,532.056 · workbook $2,388,532.057 · 0.000000%
Couple homeowner · later retirement · $800k starting super · matched couple inputs · variation 1Generated sweepPASS
CashCoupleDeepretFrankingHomeownerOther incomeOverseas pension indexedRental incomeRental propertyRetiredSharesVaried property growthVaried tax indexingWork bonus
1,633annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2048 · PlanLens $1,573,556.774 · workbook $1,573,556.774 · 0.000000%
Couple homeowner · later retirement · $800k starting super · matched couple inputs · variation 2Generated sweepPASS
CashCoupleDeepretFrankingHomeownerInvestment loanOther incomeOverseas pension frozenRental incomeRental propertyResidenceRetiredSharesSMSF mixVaried centrelink indexingVaried inflationVaried super returnsWork bonus
1,633annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2048 · PlanLens $2,261,449.915 · workbook $2,261,449.915 · 0.000000%
Couple homeowner · later retirement · $800k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CashCoupleDeepretFrankingHome loanHomeownerInvestment loanOther incomeRental incomeRental propertyRental saleResidenceRetiredSharesWork bonus
1,846annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2051 · PlanLens $1,325,574.138 · workbook $1,325,574.138 · 0.000000%
Couple homeowner · later retirement · $800k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CashCoupleDeductionsDeepretDownsizerFrankingHome loanHomeownerOther incomeOverseas pension indexedRental incomeRental propertyResidenceRetiredSharesSMSF mixVaried inflationWork bonus
1,846annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2051 · PlanLens $2,015,878.109 · workbook $2,015,878.109 · 0.000000%
Couple non-homeowner · younger working phase · $60k starting super · matched couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleDeductionsInvestment loanNon homeownerRental incomeRental propertyVaried inflationVaried super returnsWorkingYoung
4,473annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your super total, 2068 · PlanLens $0.001 · workbook $0 · 0.000000%
Couple non-homeowner · younger working phase · $60k starting super · matched couple inputs · variation 2Generated sweepPASS
CashCoupleFrankingInvestment loanNon homeownerOther incomeOverseas pension frozenRental incomeRental propertySharesVaried inflationWorkingYoung
4,473annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2088 · PlanLens $12,979,184.596 · workbook $12,979,184.596 · 0.000000%
Couple non-homeowner · younger working phase · $60k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CoupleFrankingInvestment loanNon homeownerRental incomeRental propertySharesSMSF mixWorkingYoung
4,686annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Partner cash open, 2091 · PlanLens $6,026,664.37 · workbook $6,026,664.37 · 0.000000%
Couple non-homeowner · younger working phase · $60k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CarryforwardCashCoupleDeductionsFrankingNon homeownerPartner NCCSharesVaried property growthWorkingYoung
4,686annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Combined after-tax income, 2088 · PlanLens $279,043.961 · workbook $279,043.961 · 0.000000%
Couple non-homeowner · younger working phase · $450k starting super · matched couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleFrankingInvestment loanNon homeownerOverseas pension frozenRental incomeRental propertySharesWorkingYoung
4,473annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Combined after-tax income, 2076 · PlanLens $104,167.447 · workbook $104,167.449 · 0.000002%
Couple non-homeowner · younger working phase · $450k starting super · matched couple inputs · variation 2Generated sweepPASS
CarryforwardCashCoupleInvestment loanNon homeownerOther incomeRental incomeRental propertySMSF mixWorkingYoung
4,473annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2088 · PlanLens $11,446,564.181 · workbook $11,446,564.182 · 0.000000%
Couple non-homeowner · younger working phase · $450k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleDeductionsInvestment loanNon homeownerOther incomeOverseas pension indexedRental incomeRental propertySMSF mixWorkingYoung
4,686annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Your cash open, 2091 · PlanLens $27,403,587.163 · workbook $27,403,587.165 · 0.000000%
Couple non-homeowner · younger working phase · $450k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CashCoupleDeductionsFrankingNon homeownerOverseas pension frozenSharesVaried inflationVaried super returnsWorkingYoung
4,686annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Combined after-tax income, 2081 · PlanLens $181,912.64 · workbook $181,912.641 · 0.000001%
Couple non-homeowner · younger working phase · $1,300k starting super · matched couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleDeductionsFrankingInvestment loanNCCNon homeownerOther incomeRental incomeRental propertyShare saleSharesSMSF mixVaried centrelink indexingWorkingYoung
4,473annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2088 · PlanLens $33,251,564.171 · workbook $33,251,564.172 · 0.000000%
Couple non-homeowner · younger working phase · $1,300k starting super · matched couple inputs · variation 2Generated sweepPASS
CarryforwardCashCoupleFrankingInvestment loanNon homeownerOther incomeRental incomeRental propertySharesVaried rent growthVaried super returnsWorkingYoung
4,473annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2088 · PlanLens $17,969,281.309 · workbook $17,969,281.31 · 0.000000%
Couple non-homeowner · younger working phase · $1,300k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CashCoupleExtra CCFrankingNon homeownerOther incomeOverseas pension indexedRental incomeRental propertySharesSMSF mixVaried rent growthWorkingYoung
4,686annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Partner cash open, 2091 · PlanLens $25,099,490.049 · workbook $25,099,490.051 · 0.000000%
Couple non-homeowner · younger working phase · $1,300k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CarryforwardCashCoupleDeductionsExtra CCInvestment loanNon homeownerOverseas pension frozenPartner NCCRental incomeRental propertySMSF mixVaried centrelink indexingWorkingYoung
4,686annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Partner cash open, 2091 · PlanLens $15,652,049.86 · workbook $15,652,049.861 · 0.000000%
Couple non-homeowner · mid-career working phase · $200k starting super · matched couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleDeductionsExtra CCFrankingMidNon homeownerOther incomeRental incomeRental propertyShare saleSharesVaried rent growthWorking
3,621annual comparisons
0material failures
0invariant rows
$0.005largest difference
Largest: Household cash draw, 2072 · PlanLens $435,837.37 · workbook $435,837.375 · 0.000001%
Couple non-homeowner · mid-career working phase · $200k starting super · matched couple inputs · variation 2Generated sweepPASS
CarryforwardCashCoupleDeductionsInvestment loanMidNon homeownerOther incomePartner NCCRental incomeRental propertyVaried centrelink indexingWorking
3,621annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2076 · PlanLens $1,825,716.089 · workbook $1,825,716.089 · 0.000000%
Couple non-homeowner · mid-career working phase · $200k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CashCoupleDeductionsExtra CCFrankingMidNon homeownerSharesVaried super returnsVaried tax indexingWorking
3,834annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your super total, 2061 · PlanLens $0 · workbook $0 · 0.000000%
Couple non-homeowner · mid-career working phase · $200k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CarryforwardCashCoupleDeductionsFrankingMidNon homeownerOther incomePartner NCCSharesVaried centrelink indexingVaried tax indexingWorking
3,834annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2079 · PlanLens $1,079,595.779 · workbook $1,079,595.779 · 0.000000%
Couple non-homeowner · mid-career working phase · $800k starting super · matched couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleMidNon homeownerOther incomeSMSF mixVaried inflationWorking
3,621annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2072 · PlanLens $1,106,165.115 · workbook $1,106,165.115 · 0.000000%
Couple non-homeowner · mid-career working phase · $800k starting super · matched couple inputs · variation 2Generated sweepPASS
CashCoupleDeductionsFrankingMidNon homeownerOther incomeOverseas pension indexedRental incomeRental propertyShare saleSharesVaried super returnsWorking
3,621annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2075 · PlanLens $3,137,343.134 · workbook $3,137,343.134 · 0.000000%
Couple non-homeowner · mid-career working phase · $800k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CashCoupleFrankingMidNon homeownerOther incomeOverseas pension frozenSharesSMSF mixVaried rent growthVaried super returnsWorking
3,834annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Your cash open, 2079 · PlanLens $17,530,054.711 · workbook $17,530,054.713 · 0.000000%
Couple non-homeowner · mid-career working phase · $800k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CarryforwardCashCoupleFrankingMidNon homeownerOther incomePartner NCCRental incomeRental propertySharesSMSF mixVaried centrelink indexingVaried super returnsWorking
3,834annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2079 · PlanLens $35,794,001.377 · workbook $35,794,001.377 · 0.000000%
Couple non-homeowner · pre-retirement · $60k starting super · matched couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleInvestment loanNon homeownerOverseas pension indexedPreretRental incomeRental propertyVaried centrelink indexingVaried property growthWorking
2,911annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Household unfunded, 2041 · PlanLens $537,801.488 · workbook $537,801.487 · 0.000000%
Couple non-homeowner · pre-retirement · $60k starting super · matched couple inputs · variation 2Generated sweepPASS
CashCoupleNon homeownerPreretSMSF mixVaried super returnsWorking
2,911annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Partner super total, 2051 · PlanLens $0.001 · workbook $0 · 0.000000%
Couple non-homeowner · pre-retirement · $60k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleFrankingNon homeownerOverseas pension frozenPreretSharesSMSF mixVaried inflationVaried super returnsWorking
3,124annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Partner super total, 2059 · PlanLens $0.001 · workbook $0 · 0.000000%
Couple non-homeowner · pre-retirement · $60k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CarryforwardCashCoupleDeductionsNon homeownerOverseas pension indexedPreretSMSF mixVaried inflationWorking
3,124annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Your super total, 2061 · PlanLens $0.003 · workbook $0 · 0.000000%
Couple non-homeowner · pre-retirement · $450k starting super · matched couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleDeductionsFrankingNCCNon homeownerOverseas pension frozenOverseas pension indexedPreretSharesVaried inflationWorking
2,911annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2066 · PlanLens $3,201,305.545 · workbook $3,201,305.546 · 0.000000%
Couple non-homeowner · pre-retirement · $450k starting super · matched couple inputs · variation 2Generated sweepPASS
CarryforwardCashCoupleDownsizerExtra CCNon homeownerPreretRental incomeRental propertyVaried tax indexingWorking
2,911annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Combined after-tax income, 2050 · PlanLens $109,469.622 · workbook $109,469.623 · 0.000000%
Couple non-homeowner · pre-retirement · $450k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleNon homeownerOverseas pension indexedPreretRental incomeRental propertyVaried centrelink indexingWorking
3,124annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Household unfunded, 2051 · PlanLens $239,917.974 · workbook $239,917.973 · 0.000000%
Couple non-homeowner · pre-retirement · $450k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CarryforwardCashCoupleDeductionsDownsizerFrankingNon homeownerPreretRental incomeRental propertySharesSMSF mixVaried super returnsWorking
3,124annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2069 · PlanLens $4,711,770.199 · workbook $4,711,770.2 · 0.000000%
Couple non-homeowner · pre-retirement · $1,300k starting super · matched couple inputs · variation 1Generated sweepPASS
CarryforwardCashCoupleNon homeownerOther incomePartner NCCPreretSMSF mixVaried rent growthWorking
2,911annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2066 · PlanLens $4,152,268.491 · workbook $4,152,268.492 · 0.000000%
Couple non-homeowner · pre-retirement · $1,300k starting super · matched couple inputs · variation 2Generated sweepPASS
CarryforwardCashCoupleFrankingNon homeownerOverseas pension indexedPreretSharesWorking
2,911annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Combined after-tax income, 2060 · PlanLens $143,917.149 · workbook $143,917.15 · 0.000000%
Couple non-homeowner · pre-retirement · $1,300k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CoupleDeductionsExtra CCNon homeownerOther incomeOverseas pension frozenPreretRental incomeRental propertyVaried centrelink indexingVaried tax indexingWorking
3,124annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Combined after-tax income, 2059 · PlanLens $175,623.649 · workbook $175,623.65 · 0.000000%
Couple non-homeowner · pre-retirement · $1,300k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CarryforwardCashCoupleDeductionsExtra CCFrankingInvestment loanNon homeownerPreretRental incomeRental propertySharesWorking
3,124annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Household unfunded, 2058 · PlanLens $629,932.482 · workbook $629,932.482 · 0.000000%
Couple non-homeowner · newly retired · $200k starting super · matched couple inputs · variation 1Generated sweepPASS
CashCoupleDeductionsFrankingNCCNewretNon homeownerOther incomeOverseas pension indexedRetiredSharesSMSF mixWork bonus
2,414annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Partner cash open, 2059 · PlanLens $1,253,584.388 · workbook $1,253,584.389 · 0.000000%
Couple non-homeowner · newly retired · $200k starting super · matched couple inputs · variation 2Generated sweepPASS
CashCoupleFrankingNewretNon homeownerOther incomeOverseas pension indexedRetiredSharesSMSF mixVaried inflationWork bonus
2,414annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Partner cash open, 2059 · PlanLens $3,257,204.04 · workbook $3,257,204.041 · 0.000000%
Couple non-homeowner · newly retired · $200k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CashCoupleDeductionsFrankingInvestment loanNewretNon homeownerRental incomeRental propertyRetiredShare saleSharesSMSF mixVaried centrelink indexingVaried super returnsWork bonus
2,414annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Partner super total, 2044 · PlanLens $0.003 · workbook $0 · 0.000000%
Couple non-homeowner · newly retired · $200k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CashCoupleDeductionsInvestment loanNewretNon homeownerOther incomeRental incomeRental propertyRetiredSMSF mixVaried centrelink indexingVaried property growthVaried super returnsWork bonus
2,414annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your super total, 2049 · PlanLens $0.001 · workbook $0 · 0.000000%
Couple non-homeowner · newly retired · $800k starting super · matched couple inputs · variation 1Generated sweepPASS
CashCoupleDeductionsDownsizerFrankingNCCNewretNon homeownerOther incomeRetiredSharesVaried super returnsWork bonus
2,414annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Partner cash open, 2058 · PlanLens $561,615.372 · workbook $561,615.372 · 0.000000%
Couple non-homeowner · newly retired · $800k starting super · matched couple inputs · variation 2Generated sweepPASS
CashCoupleFrankingNCCNewretNon homeownerOverseas pension frozenRetiredSharesSMSF mixVaried centrelink indexingWork bonus
2,414annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2059 · PlanLens $4,557,326.943 · workbook $4,557,326.944 · 0.000000%
Couple non-homeowner · newly retired · $800k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CashCoupleDeductionsFrankingInvestment loanNewretNon homeownerOverseas pension indexedRental incomeRental propertyRetiredSharesVaried property growthVaried super returnsWork bonus
2,414annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Partner cash open, 2059 · PlanLens $700,940.389 · workbook $700,940.391 · 0.000000%
Couple non-homeowner · newly retired · $800k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CashCoupleFrankingNewretNon homeownerOther incomeOverseas pension frozenRetiredSharesVaried super returnsWork bonus
2,414annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2056 · PlanLens $495,110.939 · workbook $495,110.939 · 0.000000%
Couple non-homeowner · mid-retirement · $60k starting super · matched couple inputs · variation 1Generated sweepPASS
CoupleMidretNon homeownerOverseas pension indexedRetiredWork bonus
2,059annual comparisons
0material failures
0invariant rows
$0.002largest difference
Largest: Combined after-tax income, 2047 · PlanLens $104,758.89 · workbook $104,758.892 · 0.000002%
Couple non-homeowner · mid-retirement · $60k starting super · matched couple inputs · variation 2Generated sweepPASS
CashCoupleFrankingInvestment loanMidretNon homeownerPartner NCCRental incomeRental propertyRetiredSharesSMSF mixVaried rent growthVaried tax indexingWork bonus
2,059annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2054 · PlanLens $348,383.925 · workbook $348,383.924 · 0.000000%
Couple non-homeowner · mid-retirement · $60k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CashCoupleFrankingInvestment loanMidretNon homeownerOther incomeOverseas pension indexedRental incomeRental propertyRetiredSharesWork bonus
2,272annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Partner cash open, 2057 · PlanLens $1,391,620.929 · workbook $1,391,620.929 · 0.000000%
Couple non-homeowner · mid-retirement · $60k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CashCoupleDeductionsFrankingMidretNCCNon homeownerOther incomeOverseas pension frozenPartner NCCRental incomeRental propertyRetiredSharesSMSF mixVaried centrelink indexingVaried property growthWork bonus
2,272annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Partner super pension open, 2055 · PlanLens $0.003 · workbook $0 · 0.000000%
Couple non-homeowner · mid-retirement · $450k starting super · matched couple inputs · variation 1Generated sweepPASS
CashCoupleDeductionsFrankingInvestment loanMidretNon homeownerRental incomeRental propertyRetiredSharesVaried super returnsVaried tax indexingWork bonus
2,059annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your rental open, 2054 · PlanLens $1,499,351.66 · workbook $1,499,351.66 · 0.000000%
Couple non-homeowner · mid-retirement · $450k starting super · matched couple inputs · variation 2Generated sweepPASS
CashCoupleFrankingInvestment loanMidretNon homeownerOverseas pension frozenRental incomeRental propertyRetiredShare saleSharesSMSF mixWork bonus
2,059annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2054 · PlanLens $314,465.692 · workbook $314,465.692 · 0.000000%
Couple non-homeowner · mid-retirement · $450k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CashCoupleFrankingInvestment loanMidretNon homeownerOverseas pension indexedRental incomeRental propertyRental saleRetiredSharesSMSF mixWork bonus
2,272annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2057 · PlanLens $546,363.872 · workbook $546,363.872 · 0.000000%
Couple non-homeowner · mid-retirement · $450k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CoupleDeductionsFrankingMidretNon homeownerOther incomeOverseas pension indexedRetiredShare saleSharesWork bonus
2,272annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2057 · PlanLens $193,863.706 · workbook $193,863.706 · 0.000000%
Couple non-homeowner · mid-retirement · $1,300k starting super · matched couple inputs · variation 1Generated sweepPASS
CashCoupleFrankingMidretNCCNon homeownerOther incomePartner NCCRetiredShare saleSharesSMSF mixVaried property growthVaried super returnsVaried tax indexingWork bonus
2,059annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2054 · PlanLens $6,150,745.304 · workbook $6,150,745.304 · 0.000000%
Couple non-homeowner · mid-retirement · $1,300k starting super · matched couple inputs · variation 2Generated sweepPASS
CashCoupleFrankingMidretNon homeownerOther incomeOverseas pension frozenRetiredSharesSMSF mixVaried inflationVaried super returnsWork bonus
2,059annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2054 · PlanLens $3,352,485.112 · workbook $3,352,485.113 · 0.000000%
Couple non-homeowner · mid-retirement · $1,300k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CashCoupleDeductionsFrankingInvestment loanMidretNon homeownerOther incomeOverseas pension frozenRental incomeRental propertyRental saleRetiredSharesSMSF mixVaried super returnsWork bonus
2,272annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2057 · PlanLens $7,190,098.697 · workbook $7,190,098.697 · 0.000000%
Couple non-homeowner · mid-retirement · $1,300k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CashCoupleDeductionsFrankingInvestment loanMidretNCCNon homeownerOverseas pension frozenOverseas pension indexedRental incomeRental propertyRetiredShare saleSharesWork bonus
2,272annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2057 · PlanLens $4,346,431.117 · workbook $4,346,431.117 · 0.000000%
Couple non-homeowner · later retirement · $200k starting super · matched couple inputs · variation 1Generated sweepPASS
CoupleDeepretFrankingNon homeownerRental incomeRental propertyRetiredSharesSMSF mixWork bonus
1,633annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2048 · PlanLens $357,632.82 · workbook $357,632.82 · 0.000000%
Couple non-homeowner · later retirement · $200k starting super · matched couple inputs · variation 2Generated sweepPASS
CashCoupleDeductionsDeepretFrankingNon homeownerOther incomeOverseas pension frozenRental incomeRental propertyRetiredSharesVaried super returnsWork bonus
1,633annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Partner cash open, 2048 · PlanLens $1,256,509.41 · workbook $1,256,509.41 · 0.000000%
Couple non-homeowner · later retirement · $200k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CoupleDeductionsDeepretFrankingNon homeownerRental incomeRental propertyRetiredSharesSMSF mixVaried centrelink indexingVaried inflationVaried super returnsVaried tax indexingWork bonus
1,846annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2051 · PlanLens $278,433.84 · workbook $278,433.84 · 0.000000%
Couple non-homeowner · later retirement · $200k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CashCoupleDeepretFrankingNon homeownerOther incomeOverseas pension frozenRental incomeRental propertyRetiredSharesSMSF mixVaried property growthWork bonus
1,846annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Combined after-tax income, 2043 · PlanLens $125,662.745 · workbook $125,662.746 · 0.000001%
Couple non-homeowner · later retirement · $800k starting super · matched couple inputs · variation 1Generated sweepPASS
CashCoupleDeepretFrankingNon homeownerOther incomeRetiredSharesVaried super returnsWork bonus
1,633annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2046 · PlanLens $249,567.122 · workbook $249,567.122 · 0.000000%
Couple non-homeowner · later retirement · $800k starting super · matched couple inputs · variation 2Generated sweepPASS
CoupleDeductionsDeepretFrankingInvestment loanNon homeownerRental incomeRental propertyRetiredSharesSMSF mixVaried property growthVaried super returnsWork bonus
1,633annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your super total, 2034 · PlanLens $666,501.767 · workbook $666,501.767 · 0.000000%
Couple non-homeowner · later retirement · $800k starting super · asymmetric couple inputs · variation 1Generated sweepPASS
CashCoupleDeepretFrankingNon homeownerRental incomeRental propertyRetiredSharesVaried rent growthVaried super returnsVaried tax indexingWork bonus
1,846annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2051 · PlanLens $583,349.603 · workbook $583,349.603 · 0.000000%
Couple non-homeowner · later retirement · $800k starting super · asymmetric couple inputs · variation 2Generated sweepPASS
CashCoupleDeductionsDeepretFrankingInvestment loanNon homeownerOverseas pension indexedRental incomeRental propertyRetiredSharesVaried inflationWork bonus
1,846annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2051 · PlanLens $1,378,801.015 · workbook $1,378,801.016 · 0.000000%
Overseas pension tax-free part: a single retiree with a UK State Pension, 8% tax-free, and other taxable incomeTargetedPASS
SingleOverseas pensionTax
1,209annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2053 · PlanLens $328,593.29 · workbook $328,593.291 · 0.000000%
Overseas pension tax-free part: a couple, one pension 25% tax-free and indexed, one 8% tax-free starting next yearTargetedPASS
CoupleOverseas pensionTaxAge pension
2,485annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Your cash open, 2060 · PlanLens $1,074,090.613 · workbook $1,074,090.613 · 0.000000%
Medicare levy surcharge: a single worker on $130,000 without private hospital cover pays 1.25% until retiring at 60; the thresholds rise with wages in $1,000 stepsTargetedPASS
TaxMedicare levy surcharge
1,989annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Household shares draw, 2059 · PlanLens $52,096.21 · workbook $52,096.211 · 0.000002%
Medicare levy surcharge: the same worker with private hospital cover pays noneTargetedPASS
TaxMedicare levy surcharge
1,989annual comparisons
0material failures
0invariant rows
$0.001largest difference
Largest: Household shares draw, 2059 · PlanLens $81,460.662 · workbook $81,460.663 · 0.000001%
Medicare levy surcharge: a couple earning $140,000 and $125,000 without cover; their combined income is tested against the family thresholds and each pays on their own taxable incomeTargetedPASS
CoupleTaxMedicare levy surcharge
3,763annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your cash open, 2078 · PlanLens $665,443.26 · workbook $665,443.261 · 0.000000%
Medicare levy surcharge: a couple without cover where you earn $250,000 and your partner $20,000; your partner's own income is under the low-income threshold, so only you payTargetedPASS
CoupleTaxMedicare levy surcharge
3,621annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Household cash draw, 2064 · PlanLens $120,247.898 · workbook $120,247.901 · 0.000002%
Medicare levy surcharge: a retiree without cover sells an investment property in 2029; the gain lifts income above the threshold that year only (1.5%), paid from cash with the tax on the gainTargetedPASS
TaxMedicare levy surchargeCGTProperty
1,365annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Your taxable income, 2029 · PlanLens $194,953.188 · workbook $194,953.191 · 0.000001%
Medicare levy surcharge: a worker on $115,000 with a $15,000 rental loss; the loss is added back for the surcharge test (1%), and from 2027-28, with negative gearing not allowed, it is already in taxable incomeTargetedPASS
TaxMedicare levy surchargeRental incomeNegative gearing
1,989annual comparisons
0material failures
0invariant rows
$0largest difference
Largest: Your super total, 2060 · PlanLens $0 · workbook $0 · 0.000000%
Medicare levy surcharge: a couple each earning $110,000 without cover; after your partner dies in 2031 you are tested against the single thresholdsTargetedPASS
CoupleTaxMedicare levy surchargeDeath
3,692annual comparisons
0material failures
0invariant rows
$0.003largest difference
Largest: Household unfunded, 2062 · PlanLens $71,773.716 · workbook $71,773.713 · 0.000004%
Application safeguards
322/322 current application checks pass. These checks protect calculation behaviour, charts, strategic transactions and user-interface integration as the app changes, alongside the independent spreadsheet cross-check.
81/81 same-numbers checks pass. These open the app in a browser with four example plans (a couple with super in both accumulation and pension, a single person, a plan with an offset account, and a plan that runs short of cash). They check that each figure matches everywhere it is shown: the summary at the top, the charts, each year’s transactions page and the Sweet Spot calculator, including after a change is made on the plan screen.
Core model · 11/11 passing
- PASSShared defaults: Conservative = 4% base + 4% dividend (8%); industry / retail 8% (FIX50)
- PASSCarry-forward cap consumes oldest first and expires after five years
- PASSCarry-forward gate closes at $500,000 total super
- PASSOffset allocation cannot exceed available cash or loan
- PASSLoan payment: offset reduces interest without reducing principal
- PASSLoan redraw and payoff are capped/recorded
- PASSAsset sale cannot exceed growth-adjusted asset value
- PASSRounded full rental-property sale zeros residue and stops rent
- PASSStrategic external transfers: single and joint cash splits
- PASSStrategic asset sale and share purchase retain per-member ownership
- PASSStrategic contribution age and downsizer limits are applied per member
Forecast engine · 49/49 passing
- PASSruns to age 100, finite balances and no cash windfall before planning ready
- PASSoperating surplus enters cash when planning is ready
- PASSAge Pension surplus builds cash when spending target is below pension
- PASSdirect-portfolio scenario changes selected shares only
- PASSscenario total return subtracts configured direct-portfolio dividend
- PASScarry-forward cap clamps strategic extra CC
- PASSoffset reserve earns no cash interest
- PASSjoint external cash inflow reaches both members without duplication
- PASSIndustry/Retail account scenario is isolated from SMSF return scenario
- PASSlifetime annuity payment and 60/60 Centrelink assessable amounts are exact
- PASSjoint lifetime annuity splits value, payment and assessable amounts 50/50
- PASSpartner-owned lifetime annuity does not leak to the other member
- PASSlifetime annuity payment is spendable income but is not taxable income
- PASSlifetime annuity reduces household cash draw by its payment
- PASSlifetime annuity remains a full financial asset while Centrelink uses assessable fraction
- PASSmultiple lifetime annuities aggregate without cross-assigning ownership
- PASSempty annuity account list is a no-op
- PASSexplicit current salary is honoured in year 0 at retirement age, then stops
- PASSWork Bonus bank offsets eligible employment and is personal
- PASSunused annual Work Bonus rebuilds the bank only after Age Pension age
- PASSWork Bonus bank carries year to year and rebuilds after work stops
- PASSWork Bonus bank is frozen when Age Pension is nil
- PASSCentrelink: deeming rates are the 20 September 2026 rates in PlanLens and PensionLens
- PASSPlus: once the pension account runs out, the rest of the year's need is drawn from accumulation
- PASSTimeline: the forecast runs until the younger person turns 100 (at most 81 years)
- PASSCentrelink: default indexing equals default inflation (2.5%), so a full Age Pension holds its value in today's dollars and does not outgrow spending (FIX48)
- PASSMonth of birth: Age Pension, salary, pension start and SAPTO use only the part of the year after the birthday
- PASSDeath of a partner: the survivor inherits, super goes to their pension up to the cap, single rules apply
- PASSa pension lump sum is limited to the year-end balance (after growth, less the year's pension), like a share sale (FIX50)
- PASSper-fund super split grows each fund first; emptying one fund leaves the other fund only its own growth (FIX50)
- PASSentering a pension lump sum in a year does not change that year's per-fund balances (recontribution case) (FIX50)
- PASSsuper grows account by account: each fund at its own return, totals are the sum of the funds (FIX50)
- PASSaccount-by-account growth applies only when the entered accounts hold all of the member's super (FIX50)
- PASSCentrelink: each year records its means-test inputs (tlwCl), and they reproduce that year's Age Pension exactly (FIX50)
- PASSCentrelink: with Centrelink indexing equal to inflation, today's rules applied to the plan in today's dollars give the plan's Age Pension within $78 a year, apart from the Work Bonus in years someone over 67 works (FIX50, Mark 4 Oct)
- PASSthe franking credit is counted once in after-tax income (FIX51, Mark 4 Oct; ATO gross-up and offset)
- PASSdefined benefit pensions follow the ATO and Centrelink rules (FIX58, Mark 4 Oct)
- PASSowned annuities in Assets (indexation, Centrelink 84 rule); planned purchases from super in Planning (FIX60, Mark 4 Oct)
- PASSannuity bought from super or from cash in a Planning popup, one or both of you; cash-bought payments partly taxable (FIX61, Mark 4 Oct)
- PASSan annuity from super uses only super sold in the source list; the sale becomes a rollover, not cash (FIX63, Mark 4 Oct)
- PASSjoint (reversionary) lifetime annuity continues to the surviving partner at a %, in Assets and Planning (FIX67, Mark 5 Oct)
- PASSIncome matches Shares and the engine: account type from Assets, rollovers are not SG, plan yields as the engine uses them (FIX73, Mark 5 Oct)
- PASSShares takes franking % from the Assets account (one setting); franking history labelled as an estimate (FIX74, Mark 5 Oct)
- PASSwhat-if tests (poor first decade, market crashes with Mild/Moderate/Large, random run) run on top of the plan in the full PlanLens charts; dividends kept but cut in crashes; section 2 is probability only (FIX81, Mark 6 Oct)
- PASSplan hand-offs found by the end-to-end plan QC: SMSF trading cash is an SMSF account at its own rate; one cash rate for every screen; every frame gets your properties; a property sale puts its loan payoff into Planning; a year that spends more cash than it has makes the plan not valid (no automatic fix); no unfunded spending while shares remain (FIX94, FIX94b, FIX94c, Mark 6-7 Oct)
- PASStransition to retirement (TTR) chosen in People draws 4% to 10% of accumulation from 60 until retirement or 65, tax-free, and is saved to cash when not spent (FIX95, Mark 7 Oct)
- PASSretirement month stops salary and drawdown month starts the pension in that month, never before retirement before 65 (FIX95c, Mark 7 Oct)
- PASScaps move in the law's steps: concessional cap $2,500 (AWOTE), NCC 4x, general transfer balance cap $100,000 (CPI), personal cap by proportional indexation, DB income cap = cap / 16 (FIX95h, Mark 8 Oct)
- PASSeach indexed amount has its own index: Wages growth (AWOTE) for the contribution caps, Tax offset indexing for LITO, SAPTO and Medicare (default = Centrelink); Free assumptions have no SOURCE column (FIX95i, Mark 8 Oct)
Forecast & UI · 2/2 passing
- PASSSeptember 2026 maximum Age Pension rates are current and salary chart geometry stays consistent
- PASSsaved-plan salaries retain the real forecast inputs and the browser loads the new bundle
UI runtime · 8/8 passing
- PASSenabled Home tips invoke popup 1 after window load
- PASSfirst initialization keeps the intro open until Close, Open tips or the tips icon is chosen
- PASSBuild page tips keep their step while the next anchor is temporarily unavailable
- PASSfloating switch OFF then ON really clears tour state and restarts tips
- PASSfirst tips enable gets a delayed non-destructive retry
- PASSevery Income Plan band shares one line shape, so a $0 salary never shows as slivers
- PASSIncome Plan salary matches Income-page post-tax salary and full stack still reconciles
- PASSIncome Plan loan reference is intentionally stacked above desired income
UI · 122/122 passing
- PASSInvestSMART import entry points are absent
- PASSunified statement uploader retains all six visual helper examples
- PASSBuild launches the original Portfolio and SpendLens routes, not the shared statement hub
- PASSPortfolio and SpendLens retain their own statement uploaders while the main statement hub stays separate
- PASSPortfolio and Statements & accounts upload surface is full width
- PASSHome workspace is full width and Big Picture connectors stay anchored to cards
- PASSHome workflow arrows redraw without resize debounce lag
- PASSCard 2 default transaction icon waits until Assets is visited
- PASSall Portfolio workspace pages use the full available width
- PASSPortfolio current holdings and dividend calendar are separate sections with calendar icon
- PASSPortfolio dividend calendar uses prominent month names and visual icons
- PASSlive Plan workspace already uses the full viewport shell
- PASSResults / Big Picture workspace uses the full available width
- PASSRate of Return / Plan Confidence workspace uses the full available width
- PASSstandalone PensionLens uses the full available width
- PASSBudget / Spending drawer uses the full available width
- PASSAssets drawer header uses the same full width as its body
- PASShome first-use tour has five established-popover tips (Full) and its own Free tips; statement import is clearly optional
- PASShome tour startup remains resilient once the user has enabled tips
- PASSfirst-use tips cover the major app pages and share one global off switch
- PASSfloating tips toggle is present on every app page and controls the shared switch
- PASSeach app session points out the floating tips control and requires an explicit choice: Open tips, the tips icon, or Close
- PASSclicking away closes the current tip; the tour continues at the next tip the next time that page opens (FIX41)
- PASSleaving Home or clicking away pauses the Home tips at the next tip; they continue when Home shows again (FIX41)
- PASStips stay attached to their target when the page or a panel scrolls, and hide while it is out of view (FIX41)
- PASSturning tips back on explicitly resets completed tours for replay
- PASSleaving a contextual page unfinished does not falsely mark it complete
- PASSordinary revisits respect completion, but explicit tips re-enable clears it
- PASSpopup Turn tips off notifies the floating switch in the same page
- PASSHome statements tip targets the always-visible Statement Hub control, not account-dependent content
- PASSAssets contextual tips use normal-page anchors rather than controls hidden inside the account form
- PASSAssets has five contextual tips in addition to the separate automatic cash-account notice
- PASSPortfolio home tips use specific visible anchors for each feature
- PASSPortfolio tip positioning does not use smooth scrolling and tracks its anchor
- PASSall six workflow-card tip tours use current stable anchors and end with Finish
- PASSPortfolio Card 3 final tip points to the dividend calendar with an empty-state fallback and ends with Finish
- PASSPlanLens primary tabs retain 11 contextual tips and Strategic transactions adds five current anchored tips
- PASSPlanLens Shares balance source link opens Assets, not Portfolio
- PASSPlanning offset accounts live only in Cash; Property & Debt explains their loan effect
- PASSStrategic transactions protects the Money out panel before shrinking controls, and Super headers align with their inputs
- PASSsalary mismatch fallback excludes stale calculated pension/super income
- PASSIncome mutations invalidate stale PlanLens income before Card 4 is redrawn
- PASSCard 4 keeps newly entered salary visible and rejects superseded PlanLens summaries
- PASSCard 4 headline and gross comparison use the same current-income source
- PASSsalary income is always assigned to one person for tax
- PASScash accounting readiness depends on a household target, not a stale parent income summary
- PASSprovisional spending baseline follows current maximum Age Pension without completing Spending
- PASSemployer SG is owned by Income salary and PlanLens Finances links back to Income
- PASSIncome starts with a blank compact fixed-height editor and keeps all type inputs aligned
- PASSPlanLens Finances exposes personal Work Bonus bank inputs defaulting to current maximum
- PASSPlanning popup shows the year's tax and a capital gains tax line with a details popover; missing CGT details are flagged (FIX49)
- PASSproperty accounts expose CGT inputs and Planning purchase creates discrete property records
- PASSreturning from Strategic Transactions rebuilds Planning charts so a purchased property appears
- PASSlinked trading cash account selector excludes ordinary transaction, savings and offset accounts
- PASSIncome Plan shows spendable income and super in separate tables, each with before tax, an estimated tax column and after tax (FIX51)
- PASSPlanLens salary source links deep-link to the matching editable salary input
- PASShome page finishes with compact independent validation proof and audit link
- PASSdedicated validation page is full, user-facing evidence with no internal QA dump
- PASSstatements: tested-banks note names no bank; generic trading cash account wording; dividend analysis is the stated purpose of Portfolio (FIX45)
- PASSstatements loaded from the main page show as loaded on the Spending card, with Review & categorise available (FIX45)
- PASSbudget charts: one stacked dotted line per loan; the popover shows the budget, each loan and the total (FIX45)
- PASSFree main page: a Plan Confidence indication with a clear title, the percentage and an example graph, with the Plus prompt (FIX45, FIX51)
- PASSPlanning: a T marks every year with a transaction you entered (FIX45)
- PASSPlanning: super withdrawals, pension deposits and phase moves count as transactions (history, T on the graphs and on the popup timeline, years every 2) (FIX48)
- PASSinfo pages Back returns to the same tab and plan; dollars start in today's each visit; Planning graphs: legend underneath, hover shows the band and the total (FIX49)
- PASSrefund and cancellation policy page: 14-day change of mind, cancelling, Australian Consumer Law, request form, linked and public (FIX46)
- PASSbudget charts explain that loan repayments are fixed in dollars, so they slope down in today's dollars (FIX46)
- PASSprivacy policy and support pages: public, linked from the app, sign-in and About, support email shown (FIX46)
- PASSterms of service: general information not advice, Plus licence, ACL guarantees kept, Queensland law; public and linked everywhere (FIX46)
- PASSsubscription wording: buy page shows renewal terms; support page has Manage subscription; refund policy and terms cover automatic renewal (FIX47)
- PASSGet Plus: banner at the top of the Free main page, Plus prompts go to the buy page; buy and success pages are public (FIX47)
- PASSvalidation page Back keeps your plan; SpendLens and Portfolio notice sits at the end of the scrolling content, not pinned to the screen (FIX50)
- PASSPlan Confidence asset range chart follows the Today's / Future dollars setting (FIX50)
- PASSFree PlanLens Assumptions has the original return rows (super, shares, dividend, franking, cash, loan rates), saved with the plan and applied to each person's accounts (FIX50)
- PASSone Plus pill design and wording across the app (FIX50)
- PASSCard 6 profiles: Conservative / Balanced / Growth are 8 / 9 / 10% for industry super and 4+4 / 4+5 / 5+5 for shares and SMSF; saved built-in figures are updated, edited ones kept (FIX50)
- PASSAssets trading cash account fields line up: same label height, same box height, same left edge (FIX50)
- PASSBudget page: Shape spending over time sits beside the live PlanLens income and assets graphs (the rest stays full width), updated as the budget changes (FIX50)
- PASSmain page says Create your plan; Free invites the upgrade; the buy page lists what is included free and what Plus adds (FIX50)
- PASSthe PlanLens Planning tab is called Strategy everywhere it is named (FIX50)
- PASSembedded pages do not add a second tips button; only the top-level page shows one (FIX50)
- PASSthe buy page feature lists match what Free and Full actually do (FIX50)
- PASSthe PlanLens workspace bar keeps PDF report on screen at narrow widths (FIX50)
- PASSinside TLW, PensionLens is a read-only close-up of one year of the plan (FIX50)
- PASSmain page has PDF report and a post-plan Sweet Spot calculator strip with its own icon, not a card; TBC boxes wider (FIX50)
- PASSFree and Plus: opening the plan does not overwrite each cash account's rate with the average; offsets stay at 0%
- PASSdesired income links to Budget; statements ask for 1 to 2 years; Big Picture shows dividend income by month (FIX50, Mark 4 Oct)
- PASSIncome takes dividends and franking from Shares; PensionLens chart labels do not overlap (FIX51, Mark 4 Oct)
- PASSsuper income retained is dividends + full franking, taxed 15% like PlanLens; both Income tables share columns; Example watermark (FIX52, Mark 4 Oct)
- PASSIncome Shares links open the holdings page; Shares account cards show franking credits and dividends + franking (FIX54, Mark 4 Oct)
- PASSCard 6 highlights a profile only when every year matches it, otherwise year by year (FIX55, Mark 4 Oct)
- PASSCard 6 year-by-year drag redraws once per frame, popover shows the %, 2% axis steps, info text uses the real profiles (FIX56, Mark 4 Oct)
- PASSCard 6 selected option shows its own colour (Mix too); reset puts back the current portfolio only, from the top of Return over time; method pill removed (FIX57, Mark 4 Oct)
- PASSdefined benefit component fields explain themselves in popovers (FIX59, Mark 4 Oct)
- PASSIncome headline in the header band, spendable and super in their own frames, icons on every row, one tax red (FIX66, Mark 5 Oct)
- PASSthe Big Picture uses the Income page figures; growth is not shown as coming from cashflow; trading cash accounts come with shares accounts (FIX68, Mark 5 Oct)
- PASSfranking credits inside super are their own row with the + offset, as outside super (FIX69, Mark 5 Oct)
- PASSReturns card has one portfolio for every outside-super share account, no two-account limit (FIX70, Mark 5 Oct)
- PASSSpending screen: OPTION 1 / OPTION 2 titles, a clear OR, no text under 13px (FIX71, Mark 5 Oct)
- PASSShares holdings table fits a normal screen: no forced 1,680px width, compact columns, visible scrollbar (FIX72, Mark 5 Oct)
- PASSMix panel under the options (first Apply keeps the change); headline first (FIX77, Mark 5 Oct)
- PASSPeople has Retirement month and Drawdown month beside Birth month, each with an "i" saying what it is used for; field popovers 13px (FIX95b, FIX95c, Mark 7 Oct)
- PASSPeople no longer has the living budget graph (shaped in Spending / Budget only; the button opens it); Strategy graphs flash red while the plan needs attention (FIX95d, Mark 7 Oct)
- PASSStrategy history lists every cash-summary transaction (annuity purchase included) and flashes years needing attention; dividends by month has an Unknown month so the total equals the annual estimate in Portfolio; features list has today's dollars (FIX95e, Mark 7 Oct)
- PASSplan and statement figures are kept apart (Big Picture bands, Income statements column), and statement parts are hidden until statements are loaded (FIX95f, Mark 8 Oct)
- PASSStrategy graphs show end-of-year values; the year page has the today's / that year's dollars switch and takes entries in either; CC limit in whole dollars; annuity purchase is Plus (FIX95g, Mark 8 Oct)
- PASS"How money moves in your plan" lists every automatic money movement, on the How this works page (about-calculator.html#money), opened from the Plan workspace header and Planning; loan redraws limited to what has been repaid (FIX94d, FIX94h, Mark 7 Oct)
- PASSReturns card in two sections: 1 sets your returns (your plan), 2 is confidence plus view-only stress tests (FIX76, updated FIX79, Mark 5-6 Oct)
- PASSIncome is full width; field info popovers stay inside the window (FIX62, Mark 4 Oct)
- PASSPlanning popup shows and limits by year-end amounts, explains the timing; graphs say start of year (FIX50)
- PASSThe expanded Income plan in By account splits outside-super income by source and account; the small graph keeps one band per person
- PASSAn expanded graph keeps By account; solid fills match the legend; eleven different hues first; earnings and pension striped; other income bands take unused hues
- PASSNet worth has By account; cash by account matches the Strategy CASH graph; one distinct colour per account on every graph; no ENTRY label
- PASSStrategy year page header: the year arrows sit together and the dollars switch is under the year strip, top right
- PASSEvery workspace section shows its SOURCE column and per-row links again (they open the field itself); Income has one Edit in detail button; the Drawdown age lock is on the left so the boxes line up; Income explains Add statements
- PASSStrategy year page: a Plus pill sits inside a locked box; the cashflow details are blurred with a Plus pill, no card, and the cash graph is not blurred; each kind of money has its own icon
- PASSStrategic Transactions money explanation stays in its existing plan workspace
- PASSStacked bands shade only to the band below, legend leaves out $0 series, Current Age does not reload the plan screen
- PASSAccounts with the same name show the owner in By account and Strategy legends
- PASSSuper payment called pension payment where no earnings band is shown
- PASSScreens fit the iPad's visible height, so the inputs scroll to the bottom
- PASSCash and loan-only plans show no irrelevant portfolio actions; detailed vs quick stays separate
Statement parsing · 4/4 passing
- PASSStatement parser: split cents repair handles attached currency signs
- PASSStatement parser: SpendLens and the Statement Hub / Portfolio share one statement reader
- PASSTransaction type: a credit-card payment is a transfer in both SpendLens and the Statement Hub
- PASSDuplicate statements: both uploaders skip a statement still loaded, and allow it again after a clear
Free & Plus access · 15/15 passing
- PASSFree: the baseline return scenario is sent to the chart once per load, not on every summary
- PASSFree runs the Full engine: there is no separate basic mode
- PASSCommercial access: Free uses the same lifetime engine; Full-only entries and Card 6 returns are left out of its forecast
- PASSCommercial access: Planning is centrally gated while core PlanLens remains available
- PASSCommercial access: sign-in grants Free and an active licence upgrades the same account to Full
- PASSFree/Full layers: a Free forecast leaves out Full-only entries; Full sees the whole plan
- PASSFree/Full layers: saving from Free keeps the Full-only entries it cannot see
- PASSFree direct entry: each Free field edits the plan items behind it
- PASSFree screen: typed Finances, Full markers on Full-only Planning actions and the pension age
- PASSCommercial access: the Free/Full badge switches tiers only on your own computer
- PASSPlanLens save files: Finances and Planning-tab entries load into the plan
- PASSFree returns: an account without a Card 6 return uses the typed return, not zero
- PASSPDF report: available from the workspace in both tiers, percentages rounded
- PASSFree main page: the plan first, Plus sections below under an overlay and not usable
- PASSCommercial access: sign-in has three ways in (no sign-up, free account, Plus); accounts and the update-emails choice are kept in tlw_accounts; no-sign-up visitors cannot save or make the PDF (FIX96, Mark 8 Oct)
Planning, loans & spending · 6/6 passing
- PASSLoans: a pay down on the Planning page is paid from cash, a redraw pays into cash, per loan
- PASSLoans: Planning page has Redraw and Pay down per loan, counted in the year's cash
- PASSPlanning popup: the year arrows move one year straight after an entry (no stuck click, no skipped year)
- PASSLoans: Pay off fills the pay down with what is owed at the end of the year
- PASSSpending: a desired income that changes over time drives the forecast (household mode)
- PASSDeath of a partner: Planning page life event (Full), marked on the living budget graph, left out of a Free forecast
Property CGT · 12/12 passing
- PASSpre-July-2027 investment-property sale receives 50% discount after 12 months
- PASSexisting property sold after July 2027 splits deferred old gain and indexed new gain
- PASSoptional 1 July 2027 transition valuation override changes only the CGT split
- PASSlow ordinary basic tax triggers Division 119 top-up to 30% minimum
- PASShigh ordinary basic tax above 30% produces no Division 119 top-up or reduction
- PASSAge Pension recipient is excluded from Division 119 top-up but still pays ordinary tax
- PASSjoint property gain is split and taxed separately to each owner
- PASSpost-2027 planned property is a discrete asset with rent, owner and indexed cost base
- PASSzero or negative property gain creates no taxable gain and carries the capital loss
- PASSforecast capital loss carries forward and reduces deferred gain before the 50% discount
- PASSproperty-sale tax reduces cash in the sale year settlement
- PASSthe forecast records the tax due to the gain and each property's details for the Planning popup; cash and tax unchanged (FIX49)
ASIC calculator relief · 8/8 passing
- PASSevery calculator screen shows the required statement, with its purpose and limits, in normal use (FIX42)
- PASSPlanLens shows future amounts in today’s dollars by ASIC’s method, 3.7% a year before the first retirement then inflation (FIX98, Mark 13 Oct); the forecast is unchanged (FIX42)
- PASSthe PDF report carries the statement, purpose and limits on page 1 and the dollars basis on every page (FIX42)
- PASSresults read as calculations, not verdicts or recommendations (FIX42)
- PASSAbout this calculator explains purpose, limits, present value, every default and why, and who provides it (FIX42)
- PASSdefault super return 8% and inflation 2.5%, with the reasons on the About page; provider named (FIX43)
- PASSthe Planning graphs follow the today’s / future dollars switch; the notice stays last (FIX44)
- PASSthe About page names the calculator relief relied on and says no product is recommended and no commissions are received (FIX99c, Mark 14 Oct)
Payments & licences · 6/6 passing
- PASSStripe: the webhook only accepts events signed with the webhook secret, within 5 minutes (FIX47)
- PASSStripe: licence period: new from today; an active licence is extended from its expiry; an expired one restarts (FIX47)
- PASSStripe: a paid Plus checkout creates the licence once; a full refund revokes it, a partial refund does not (FIX47)
- PASSStripe: a one-time price is sold as a one-off Checkout for the configured price, locked to the buyer email, with terms agreed (FIX47)
- PASSStripe: a yearly price is sold as an auto-renewing subscription; the customer portal opens for the signed-in customer (FIX47)
- PASSStripe: each paid yearly invoice runs the licence to the end of the paid period plus 3 days; a full refund revokes it and cancels the subscription (FIX47)
Workings spreadsheet · 3/3 passing
- PASSWorkings (Excel): Plus holders download the plan as the Gen2 workbook, made on this device (FIX99, FIX99b, Mark 13 Oct)
- PASSWorkings (Excel): the plan converter turns a plan into workbook inputs (FIX99)
- PASSWorkings (Excel) reads loans and DB pensions from the plan page parameters, as the engine does
Tax, Centrelink & rules · 6/6 passing
- PASSTax: the 15% rate is 14% from 2027-28, and SAPTO uses the 2026-27 thresholds (FIX100, Mark 14 Oct)
- PASSCentrelink: a rental loss counts as nil for the income test but still reduces taxable income (FIX100, Mark 14 Oct)
- PASSAbout: the Rules tab lists the tax, super and Centrelink rules with the figures the engine uses (FIX100, Mark 14 Oct)
- PASSMedicare levy surcharge without private hospital cover
- PASSAbout page lists the hidden rules and indexing the engine applies
- PASSRates and thresholds tab: every figure matches the engine
Negative gearing, Division 296 & input checks · 3/3 passing
- PASSTax: negative gearing limits from 2027-28; a loss not allowed is carried forward and used against later rent and the gain on sale (FIX101, Mark 14 Oct)
- PASSSuper: Division 296 from 2026-27, 15% on the share of earnings over $3 million and 10% over $10 million, paid from super (FIX101, Mark 14 Oct)
- PASSInputs: boxes that take figures refuse values that cannot happen, on every page (FIX101, Mark 14 Oct)
Planning cash summary · 1/1 passing
- PASSPlanning cash summary: rent after selling the home is its own Money out line, not part of Income less spending (FIX102, Mark 15 Oct)
Home page, workspace and Free / Plus · 12/12 passing
- PASSCommercial access: Free keeps PlanLens, the Planning page, detailed entry and Rate of Return; Full adds Plan Confidence, all results and the advanced Strategy actions (FIX103)
- PASSMonth of birth: People card birth months reach PlanLens as months to the next birthday (Free and Full, FIX103)
- PASSCommercial access: each share account and SMSF gets a trading cash account, reviewed after the default cash account (FIX53, Mark 4 Oct; Free too since FIX103)
- PASSHome: the PlanLens workspace is the home page; its header runs the main page actions; Back goes home (FIX103, Mark 15 Oct)
- PASSMore holds only things that act on the app; the information links are in the notice at the foot of every screen; Load plan stays on the bar until 790px
- PASSShort header; the name links to the website with Plan in script; Website in More
- PASSWorkspace rows: an arrow beside each You and Partner value opens that person's own entry; no SOURCE column, no beige link band, no sync notes; the same dividers everywhere; Shares and dividends and Load statements are explained
- PASSQuick Setup has no links into detailed settings; Detailed Setup retains them and mode remains independent of payment tier
- PASSFree and Plus, Quick and Detailed: every link to a detailed setting goes to the right place
- PASSInformation pages keep your working plan; Back on a page opened on its own never starts a new plan
- PASSCommercial access: Quick / Detailed entry is open to everyone, is kept while the app is open and never changes the tier (FIX103, Mark 15 Oct; was the FIX50 Free switch)
- PASSWorkspace: six sections that match the detailed screens, one open at a time, totals on each bar; Assumptions opens Returns
Plus covers and Rate of Return · 20/20 passing
- PASSFree: income and spending that change over time are Plus again (FIX109: Free sees the graphs, view only); money boxes keep their commas
- PASSFree results: Income Plan and Financial Assets show your plan; the other five charts show your real figures with about 80% covered by a cover that grows with the chart and an upgrade button; hover says where exact figures are; the Free PDF is the summary and two charts (FIX103, FIX106, Mark 15-16 Oct)
- PASSPlan Confidence and stress tests in Free run nothing: a fixed sample under the covers, placeholder numbers, banners on the outer panel and put back at once
- PASSPlan Confidence and stress tests are Plus: in Free the real result is worked out and covered, the charts and stress tests are about 80% covered, one cover per section with an upgrade button, no example result (FIX103, FIX105, FIX106, Mark 15-16 Oct)
- PASSRate of Return: with Same approach off, each portfolio keeps its own method; Mix applies only to the portfolios set to Mix (FIX105, Mark 16 Oct)
- PASSLight theme: the website palette (cream page, navy header, the book's four-colour strip), no gold accents elsewhere; chart series and PDF colours unchanged (FIX103, FIX106, Mark 15-16 Oct)
- PASSFIX107 (Mark, 16 Oct): Free limits on Strategy figures, Mix and Draw year by year, and the by-account view; offsets earn no interest; no two accounts with the same name
- PASSFIX108 (Mark, 16 Oct): accounts list in the licence manager; by account shows principal and earnings; help on unclear buttons
- PASSFIX109 (Mark, 16 Oct): overseas pension tax-free part; Free sees months, TTR, drawdown age and the shaping graphs as Plus options; results show blurred
- PASSThe assumptions note is in General assumptions; Returns has Edit in Assets above 2. Loans; Rate of Return links to Shares and dividends; a locked Strategy box has its pill on the column heading (FIX119, Mark 17 Oct; the SOURCE column removal was undone in FIX120)
- PASSRates to 1 decimal place; Returns buttons on their group headings with SOURCE headings; no Enter manually on Portfolio; light text on navy fills; Entry switch beside the title
- PASSReturns section in one style: the same columns, headers, boxes and numbered headings for portfolios, loans and cash; no empty header; narrow panels keep the names readable
- PASSTicking Same approach gives every portfolio the selection on screen, so it is highlighted on all; unticking leaves each as it is; a portfolio shows Mix only for its own Mix
- PASSSame approach for all portfolios stays unticked: the choice is saved on its own and is not cleared with a Mix schedule
- PASSSame approach for all portfolios: the linked portfolios share the same profile figures, so the profile clicked on one is highlighted on the others; unlinked, each keeps its own
- PASSDrawn by hand volatility in Configure return profiles, per portfolio; the Volatility box is gone; an existing drawn plan keeps its figures until the setting is changed
- PASSRate of Return in Free: return profiles are not Plus; Mix and Draw year by year are view only in one dotted window built into the screen; the page keeps its place
- PASSFIX110 (Mark, 16 Oct): Plus results 90% covered and blurred; stress tests open on Poor first decade; Rate of Return Free window; redraw wording; assumptions
- PASSReturns has independent primary Advanced details controls for portfolios and cash/loans
- PASSThe Returns screen works with industry-only, retail-only, SMSF, cash and loan, and empty plans
What this validation covers
This audit validates the current Generation 2 annual model surface, the 317-scenario deterministic comparison, the 195 specialist assertions, the 12 independent property-CGT cases, the 322 current application regression checks and the 81 same-numbers checks. Generation 1 remains frozen historical evidence. The remaining Account Schedules work is product integration/formatting of the already modelled schedules, not an unvalidated financial-model area.