Private • On‑device • Secure
Money Tamed
Get Wealthy. Not just rich.
Money Tamed is for families who are serious about the long game.
- ✅ Track net worth, cash flow and goals in one place
- ✅ Find the balance that works for your life
- ✅ Build simple habits that stick — month after month
- 🔒 100% private — encrypted on your device
Learn about your vault security
- Your data is encrypted and stored only on this device.
- Choose a passphrase you won’t forget — we can’t recover it.
- Use Export Vault to back up. Use Import Vault to restore.
- The vault auto‑locks after inactivity; just log back in to continue.
🎥 Welcome from Dave The Money Dad
Important Notice: All materials inside this application are strictly for educational and self-awareness purposes. Dave the Money Dad does not provide financial product advice. By logging in, you agree to our standard Terms of Use.
Change passphrase
The Momentum Flywheel
Momentum Scorecard
Building Financial Habits
0.0
AVG LEVEL
🔓 Unlock to see
your momentum
your momentum
Scoring Logic
💎 TRACKING
Based on your streak of tracking Net Worth.
Consistency is key.
Based on your streak of tracking Net Worth.
Consistency is key.
🌊 CASH FLOW
Based on your streak of tracking Cash Flow.
Build the habit of monthly review.
Based on your streak of tracking Cash Flow.
Build the habit of monthly review.
🔭 GOALS
Unlocks as you complete your Targets:
Vision → Annual → Quarterly → Retirement Plan.
Unlocks as you complete your Targets:
Vision → Annual → Quarterly → Retirement Plan.
🛡️ SECURITY
Emergency Fund vs. Monthly Expenses.
Level 3 = 3 Months saved.
Level 5 = 9+ Months saved.
Emergency Fund vs. Monthly Expenses.
Level 3 = 3 Months saved.
Level 5 = 9+ Months saved.
🌳 INVESTMENT
Total Invested Assets.
Includes: Shares, Crypto, Inv. Property, Super, Term Deposits.
(Excludes: Family Home, Cash, Cars).
Total Invested Assets.
Includes: Shares, Crypto, Inv. Property, Super, Term Deposits.
(Excludes: Family Home, Cash, Cars).
⚓ DEBT
Elimination of Bad Debt.
Momentum = Zero Consumer Debt.
Zero G = 100% Debt Free (including Mortgage).
Elimination of Bad Debt.
Momentum = Zero Consumer Debt.
Zero G = 100% Debt Free (including Mortgage).
Financial Disclaimer: The content, scores, and projections within this application are for educational and self-awareness purposes only to help you build better financial habits. This is not financial advice. DTMD does not take into account your personal objectives, financial situation, or needs. You should consider whether this information is appropriate for you and seek professional advice where necessary.
Goals & Targets
Saved
1. Your North Star
The "Why". Where do we want to be?
Tracks: Qualitative Vision
2. Annual Target
One major milestone for this year.
Tracks: Net Worth
—
Gap
—
3. Quarterly Mission
Specific focus for the next 90 days.
Tracks: Emergency Fund
—
Gap
—
4. The Next Step (3-5 Years)
House deposit, new car, wedding.
Tracks: Term Deposits
—
Gap
—
5. Financial Freedom
The End Game.
$0
Tracks: Net Assets
—
0%
Saved
🔐
This calculator is locked. Please unlock your vault first.
Wealth Creation
Years
Inputs & Assumptions
| Primary | Compare | |
|---|---|---|
| Initial Balance | ||
| Monthly Deposit | ||
| Investment Term (Years) | ||
| Growth Rate (% / yr) |
Educational Illustration Only: Examples are for illustrative, educational purposes to demonstrate the power of compounding habits; they do not represent or guarantee actual investment performance.
Results Summary
| Primary | Compare | |
|---|---|---|
| Total Principal | ||
| Total Growth | ||
| Future Value |
Retirement
Age-based
Age
Educational Illustration Only: This calculator demonstrates general compound interest principles and mathematical modeling. It does not account for complex real-world variables like Australian tax laws, superannuation rules, inflation, or individual eligibility for government benefits.
Targets
| Target nest egg (Rule of 20) | $0 |
|---|---|
| Years to retirement | — |
Required Saving
| Req. monthly contrib. (to reach target) | $0 |
|---|---|
| Projected end balance at retirement | $0 |
🔮
Unlock Your Future
The Momentum Forecast simulates your journey to Debt Freedom and Wealth.
Flywheel Forecast
Financial GPS based on your 3-Month Avg
Reported Data Simulation
Educational Calculator Notice: The Flywheel Forecast is an objective mathematical modeling tool based entirely on the raw data inputs you provide. Projections are illustrative, do not account for individual variables or product performance, and do not constitute financial advice or recommendations.
1. Current Position
NET WORTH
$0
Assets $0
CASH FLOW (3-Mth Avg)
$0
Unallocated Surplus (Excl. Career/Legacy)
Income $0
less Fixed - $0
less Now - $0
less Committed Upside - $0
3. Active Mission
Select Mission from Roadmap
SELECT TARGET →
⚔️
Click a target on the right to focus.
Target: ---
Simulation Adjustments
Using: $0 of surplus
Total Mission Fuel: $0
PROJECTED COMPLETION
---
2. Mission Roadmap
👆 Select a mission to targetLoading roadmap...
Trajectory
Growth Assumptions
Emergency Fund3%
Investments7.2%
Superannuation7%
Mortgage Rate6%
⚓ DEBT
Elimination of Bad Debt.
Momentum = Zero Consumer Debt.
Zero G = 100% Debt Free (including Mortgage).
Elimination of Bad Debt.
Momentum = Zero Consumer Debt.
Zero G = 100% Debt Free (including Mortgage).
Financial Disclaimer: The content, scores, and projections within this applicsation are for educational and self-awareness purposes only to help you build better financial habits. This is not financial advice. DTMD does not take into account your personal objectives, financial situation, or needs. You should consider whether this information is appropriate for you and seek professional advice where necessary.
Net Worth
Months
Not saved
Template Auto-filled /
△ Review Manual check /
Manual Edited this session
Assets
Retirement
Other
Total Assets$0
Debts
Total Debts$0
Assets
| Month | Total |
|---|
Debts
| Month | Total |
|---|
Net Worth
| Month | Net Worth |
|---|
🔒 Please unlock your vault to use Net Worth.
Cash Flow
Months
Not saved
Template Auto-filled /
△ Review Manual check /
Manual Edited this session /
💳 Spend Credit Card subtotal
Prefer not to type? Import a bank file and we’ll fill these in.
Income
Total Income$0
Fixed Details
Total Fixed$0
>Total CC$0
Upside Details
Total Upside$0
Total CC$0
Now Details
Total Now$0
>Total CC$0
Income (12)
| Month | Total |
|---|
Expenses (12)
| Month | Fixed | Upside | Now | Total |
|---|
Net Cash Flow (12)
| Month | Net |
|---|
🔒 Please unlock your vault to use Cash Flow.
📊 Insights
Built from your Cash Flow, Net Worth and imported transactions — there's no data to enter. First, set your lens so the whole report is calibrated to you:
📥
Import History
Load months of Cash Flow history from your bank files directly into your vault via n8n AI categorisation.
Import History
Bank files → AI categorise → load into Cash Flow vault
Jump to
1 Load Bank Files
Prefer QFX / OFX (Quicken) — exact duplicate detection · QIF works too but can't auto-dedupe as precisely · Account type detected automatically
📂
or drag & drop a file here — .qif / .ofx / .qfx
0
Total Txns
0
Clean Txns
0
Months
0
Credits In
0
Debits Out
⚠ 0 transactions filtered out
▾
| Date | Amount | Description | Matched Keyword |
|---|
2 Preview — Classify Merchants
Click a category pill to classify — rules save automatically with flow direction.
💡 Up to 12 months of transactions are stored for browsing. All months contribute to your cashflow history.
| # | Date ⇅ | Amount ⇅ | Description ⇅ | Flow | Category ⇅ | Subcategory | Source |
|---|
3 Categorise Merchants
✨
Money Dad AI at Work...
Scrubbing personal data...
4 AI Results — Import to Vault
⚠️ Merge behaviour: If a month already exists in your vault, it will be replaced by the imported data. Months not in the import are left untouched.
🧠 Merchant Rules
▾Rules are flow-aware: same merchant can have Income for credits and Fixed for debits independently.
🔧 Parse Log
▾
Privacy: Your bank files are processed entirely in your browser. Only anonymised merchant names are sent to the AI for categorisation — no amounts, dates, or account details ever leave your device. Always save a vault backup before bulk importing.
Transaction History: Your full transaction history is used to build your cashflow records going back as far as your files cover. The last 12 months of individual transactions are kept in your vault so you can browse, search and recategorise them anytime. Older transactions are summarised into your cashflow history and don't need to be stored individually.
Transaction History: Your full transaction history is used to build your cashflow records going back as far as your files cover. The last 12 months of individual transactions are kept in your vault so you can browse, search and recategorise them anytime. Older transactions are summarised into your cashflow history and don't need to be stored individually.
🔒 Private • On‑device • Secure
Signed out
User ID
Passphrase
At least 8 characters
Contains an uppercase letter
Contains a lowercase letter
Contains a number
Spaces count as characters and will be part of your passphrase exactly as typed.
🔒 Private by design — what leaves my device?
Your financial numbers stay on this device. We use your email to check your plan — and we always ask before anything else is sent.
- Your email — to check your plan and keep your access in sync.
- Usage counts and your last-login date — e.g. how many imports you’ve run, and when you last signed in. Never any dollar figures.
- Merchant names — only if you choose to auto-sort transactions, and only after we ask. Just the description (e.g. “COLES 0294”) to categorise it — no amount, no date, and nothing that identifies you.
- Everything else — your balances, amounts, dates and full financial picture — stays on your device.
🚀 Maximise Your Momentum
You are on the Free Money Tamed.
Upgrade to see your data projected as a Debt-Free Date,
OR choose your own Financial Mission.
