Net Worth
$59K
Starting balance loaded — log weekly updates to track progress.
Total Assets
$68K
Westpac $18,000
RAIZ $40,000
Crypto $10,000
Total Liabilities
$9K
Personal Tax $8,000
Credit Card $1,000
Net Worth Goal
$1,000,000 target · Aug 2030
Target Date
Aug 2030
4.25 years remaining
Current Investment / Year
$78,000
$1,500 / week
Required to Hit $1M by Aug 2030
$175,319
$3,372 / week · at 12% returns
Path to $1M by 35
August 3, 2030 · 4.27 years away · Starting NW $59K · Living expenses $50K/yr
10% · Conservative
ASX 200 blended
Annual Investment
$181,451
$3,489 / week
Gross Annual Wage
$467,149
Net Annual Wage
$281,451
$5,413 / week net
12% · Moderate
S&P 500 blended
Annual Investment
$174,343
$3,353 / week
Gross Annual Wage
$453,739
Net Annual Wage
$274,343
$5,276 / week net
14% · Aggressive
RAIZ / growth ETFs
Annual Investment
$167,445
$3,220 / week
Gross Annual Wage
$440,722
Net Annual Wage
$267,445
$5,143 / week net
Required Company Revenue (to fund wage)
| Profit Margin | Conservative | Moderate | Aggressive |
|---|---|---|---|
| 40% margin | $1.56M· $623K profit | $1.51M· $605K profit | $1.47M· $588K profit |
| 50% margin | $1.25M· $623K profit | $1.21M· $605K profit | $1.18M· $588K profit |
| 60% margin | $1.04M· $623K profit | $1.01M· $605K profit | $979K· $588K profit |
AU income tax 2025–26 (Stage 3 brackets) + 2% Medicare · Company tax 25% (base rate entity) · Compound returns annually · Living $100K/yr fixed
CYORA FY25–26 Revenue Goals
$80K director salary + remainder as fully franked dividends · $100K living expenses · AU tax 2025–26
Base
$125,000/mo
$1.50M
Business Revenue
$1,500,000
$1,500,000
$1,500,000
Gross Profit
$600,000
$750,000
$900,000
− Director Salary
-$80,000
-$80,000
-$80,000
Taxable Profit
$520,000
$670,000
$820,000
− Company Tax 25%
-$130,000
-$167,500
-$205,000
Net Retained (Divs)
$390,000
$502,500
$615,000
Net Salary (after tax)
$63,612
$63,612
$63,612
Net Dividend (after tax)
$288,250
$367,750
$447,250
Total Personal Cash
$351,862
$431,362
$510,862
− Living Expenses
-$100,000
-$100,000
-$100,000
Investment Capacity
$251,862
$331,362
$410,862
Growth
$150,000/mo
$1.80M
Business Revenue
$1,800,000
$1,800,000
$1,800,000
Gross Profit
$720,000
$900,000
$1,080,000
− Director Salary
-$80,000
-$80,000
-$80,000
Taxable Profit
$640,000
$820,000
$1,000,000
− Company Tax 25%
-$160,000
-$205,000
-$250,000
Net Retained (Divs)
$480,000
$615,000
$750,000
Net Salary (after tax)
$63,612
$63,612
$63,612
Net Dividend (after tax)
$351,850
$447,250
$542,650
Total Personal Cash
$415,462
$510,862
$606,262
− Living Expenses
-$100,000
-$100,000
-$100,000
Investment Capacity
$315,462
$410,862
$506,262
Target
$200,000/mo
$2.40M
Business Revenue
$2,400,000
$2,400,000
$2,400,000
Gross Profit
$960,000
$1,200,000
$1,440,000
− Director Salary
-$80,000
-$80,000
-$80,000
Taxable Profit
$880,000
$1,120,000
$1,360,000
− Company Tax 25%
-$220,000
-$280,000
-$340,000
Net Retained (Divs)
$660,000
$840,000
$1,020,000
Net Salary (after tax)
$63,612
$63,612
$63,612
Net Dividend (after tax)
$479,050
$606,250
$733,450
Total Personal Cash
$542,662
$669,862
$797,062
− Living Expenses
-$100,000
-$100,000
-$100,000
Investment Capacity
$442,662
$569,862
$697,062
Tax-Efficient Extraction Structures
Stop paying 47% — how to legally keep more of your company profits
Salary (PAYG)
WorstDirect wage, no structure
47%
effective rate
45% top bracket + 2% Medicare. No franking offset.
Franked Dividends
BetterCompany pays 25% tax, passes credits
29.3%
effective rate
save 17.7%
Effective ~29.3% at 47% marginal. 25% franking credit offsets some personal tax.
Family Trust → Spouse
GoodDistribute to lower-income partner
18%
effective rate
save 29%
Distribute to Amber at 30% bracket. Section 100A docs required. Trust setup ~$2–4K.
Bucket Company
GreatTrust distributes to corporate beneficiary
25%
effective rate
save 22%
Profits compounded at 25% inside bucket co. Extract via Div 7A loan (8.37% benchmark) or franked dividend when income is lower.
Super (Concessional)
Best (short-term)$30K/yr salary sacrifice at 15%
15%
effective rate
save 32%
Note: income >$250K = 30% contributions tax. Still 17% saving. Preservation age applies. Carry-forward unused caps (5yr, balance <$500K).
SMSF (Pension Phase)
Best (long-term)Accumulation 15%, pension 0%
0%
effective rate
save 47%
0% tax in pension phase. Fully franked dividends = 0% effective rate (refund). Setup ~$3–5K, annual compliance ~$1–2K. Balance threshold $200K+.
Investment Bonds
Good (10yr+)30% internal tax, 0% after 10 years
30%
effective rate
save 17%
AustralianUnity / MLC. 125% annual top-up rule. Complements super — no contribution cap. Tax-free after year 10.
Recommended Stack for CYORA
Year 1–3 (building)
① Max super concessional $30K @ 15%
② Base salary $80K (satisfies SG obligations)
③ Remainder → bucket company @ 25%
④ Distribute to Amber at lower bracket
Year 4–10 (compounding)
① SMSF → pension phase → 0% tax
② Investment bonds → tax-free after yr 10
③ Div 7A loan from bucket co (8.37%)
④ Extract dividends in low-income years
Always engage a registered AU tax agent before implementing. Section 100A, Div 7A, and Part IVA compliance required.