Budget model and savings projection for Annie's FY27 planning workspace.
Annie — FY27 Budget Model
FY26 actual spend → FY27 budget → savings growth · drag or tap ± to set each budget
$0
FY26 avg / month
→
$0
FY27 budget / month
$0
savings unlocked per year · $0/month · $0/week
$0
5-yr wealth
$0
10-yr
$0
20-yr
$0
= growth
Set the FY27 Budget — per category
Savings growth achieved — invested at 7%
$0
Year 5
$0
Year 10
$0
Year 15
$0
Year 20
Monthly cash flow on this budget
Business / month
Income (FY26 run-rate)$1,709
Budgeted expenses–$0
Business net$0
Personal / month
Allowance in ($225/wk + $108/mo)$1,083
Budgeted spend–$0
Personal net$0
Savings engine
vs FY26 spend — saved / month$0
Saved / year$0
Where the savings go
1 · Kill CC interest
Pay the Mastercard in full monthly — stops $402/yr of pure waste
2 · Emergency Fund — first $2,000/yr
Aligned to the household budget's Emergency Fund goal
3 · Super contribution — next $2,000/yr
Deductible for a sole trader and compounding for retirement — confirm cap with Liz
4 · Holiday Fund / index investment — the rest
50/50 split above the first $4,000
FY26 actuals: business income $20,513 · expenses $27,407 (loss $6,894) · personal spend $13,810 vs allowance $13,221. Wealth projection assumes annual savings invested at 7% p.a. Not financial advice.