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Guides

Money guides, without the jargon.

How to calculate your net worth, how capital gains and cost basis work, what annualised return and XIRR really measure, and how to track it all with ChatGPT or Claude. Each guide answers the question first and shows a worked example.

Net worth and returns

How to calculate your net worth

The formula, what counts, how to value a home, pension or car, and a worked example.

 Annualised return and XIRR explained

Why simple return misleads when you add money, and how CAGR, XIRR and TWR differ.

 Track your net worth with ChatGPT or Claude

What AI does well, where it goes wrong, and how connectors fix the arithmetic and memory.

Cost basis and gains

Cost basis explained

Fees, FIFO, LIFO, specific lots and average cost, with a worked example.

Property and debt

Offset accounts, LVR and home equity

What loan-to-value means, why 80% matters, and how an offset account cuts interest.

Want to run the numbers?

Every guide has a matching free calculator. See all of them on the tools page: net worth, capital gains, annualised return, loan-to-value and net worth goals.

These guides are general information, not financial or tax advice. Rules change and your situation matters; check with your tax authority or an adviser before acting.

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by Sanjay