Sovereign Financial Control Protocol
Bhargav Wealth Command
Perth, WA · v7.4 · Cloud Sync · PWA · Build 2026-07-02
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🔠 TEXT SIZE
Consolidated Household Net Worth Vector CURRENT
True Baseline Capital Position
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(Liquid Pools + Bank Offsets + Micro-Platforms + Super + India Assets + Precious Metals + Hospitality Ventures + Loan Receivable + Property Value) − Home Loan Debt
💱 FX Concentration Risk
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Terminal Valuation Forecast Model MODELED ESTIMATE
Starts from your live current portfolio value where available (refresh Live Markets to update it), then compounds forward using your CAGR assumptions — the growth itself is always a projection, not a guarantee.
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Drag the SF-26 along the track — Today on the left, 20 years out at the finish line.
Projected Stock Deployment Pool TV
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—Projected Micro-Platform Sub-Pools TV
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—Projected AustralianSuper TV
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—🇮🇳 India Assets Total TV (AUD)
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—🥇 Precious Metals TV (AUD)
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—🏠 Property Value TV (AUD)
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—🍽️ Business Ventures TV (AUD)
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—🏦 Projected Offset Balance TV (AUD)
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—🏠 Projected Net Property Debt (AUD)
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—Forecasted Systemic Asset Terminal Value—
Absolute Compound Asset Growth Delta—
📈 Net Worth History RECORDED, NOT PROJECTED
One snapshot per day, taken automatically whenever you open the app. This is your actual wealth-building track record — separate from the forecast above.
Come back tomorrow — history builds up day by day from here, you've only got one snapshot so far.
🎯 Wealth Goal Tracker MODELED ESTIMATE
Set a target — the timeline below uses the same growth assumptions as your Terminal Forecast above, so it stays consistent with everything else on this dashboard, not a separate guess.
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Current Position
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—Projected Arrival
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—Combined Net Annual Income (AUS)
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Combined Net Weekly Pay
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Banking Liquidity & Reserves
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Liquid Weekly Surplus Runway
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🇮🇳 India Annual Income (AUD Equivalent)
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Primary Earner Est. Tax Refund
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Secondary Earner Est. Tax Refund
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🥇 Precious Metals Portfolio Value (AUD)
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📅 Financial Year
Switch to model last year's tax, compare years, or see legislated future rates
Stage 3+ Phase 2 — 15% on $18,201–$45,000 (Treasury Laws Amendment, More Cost of Living Relief Act 2025)
Concessional super cap: $32,500
✦ FY2027-28 figures are legislated but super cap is estimated — verify before lodgement
🔍 Australian Taxation Matrix — FY2026-27
🏥 Household Private Health Cover & Medicare Levy Surcharge
MLS is assessed on combined family income. Holding an eligible hospital policy exempts you both from the surcharge (1–1.5% of income above the family threshold). Premiums are a household expense, not a tax deduction.
Split 50/50 across earners for take-home
Combined Family Income for MLS—
MLS Tier / Rate—
Medicare Levy Surcharge (if no cover)—
Annual Tax Saved by Holding Cover—
Primary Earner Parameters
Leave 0 to auto-calculate from salary. Enter actual withheld amount from your payment summary for refund simulation.
Refund / Debt vs actual tax—
ATO Work-Related Deductions (Primary Earner)
D1 – Work-Related Vehicle & Travel
ATO rate 88c/km (2024-25), max 5,000 km
D2 – Work-Related Phone & Internet
Total annual mobile bill
D3 – Work-Related Tools & Equipment
≤$300 instant; >$300 depreciated
D4 – Work Clothing & Laundry
D5 – Self-Education & Professional
D6 – Other Deductions
Enter annual hours worked from home
Total ATO Deductions — Primary—
Australian tax residents are generally required to declare worldwide income — this is off by default, matching your current actual position, not a recommendation either way. Switch on to model the AU tax impact if you decide to declare.
Gross Assessable Income
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—Salary Sacrifice Allocation
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—Total ATO Deductions Applied
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—Net Taxable Income
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—Estimated Income Tax Payable
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—Medicare Levy (2%)
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—Medicare Levy Surcharge
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—Private Health Premium (50% share)
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—Tax Saved by Deductions
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—Post-Tax Car Deduction (Weekly)
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—Net Weekly Take-Home—
Secondary Earner Parameters
0 = auto-calculate
Refund / Debt vs actual tax—
ATO Work-Related Deductions (Secondary Earner)
Total ATO Deductions — Secondary—
Off by default, matching your current actual position — switch on to model the AU tax impact if you decide to declare.
Gross Assessable Income
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—Salary Sacrifice Allocation
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—Total ATO Deductions Applied
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—Net Taxable Income
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—Estimated Income Tax Payable
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—Medicare Levy (2%)
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—Medicare Levy Surcharge
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—Private Health Premium (50% share)
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—Tax Saved by Deductions
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—Net Weekly Take-Home—
💳 Fixed & Lifestyle Weekly Overheads Ledger
Expense
Weekly $
Aggregated Structural Lifestyle Attrition
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🔄 Automated Asset Deployment Protocols
Total Automated Pipeline Flow—
🏠 Debt Architecture & Capital Offset Framework MODELED — RECALCS WHEN YOU CHANGE THE RATE
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📐 Loan Terms — Update This Whenever Westpac's Rate Changes
Westpac's variable rate moves with the RBA cash rate and their own pricing decisions — there's no free live feed for this, so update it by hand whenever your rate changes (check the Westpac app or your last statement). Everything below recalculates instantly.
Required Repayment (at this rate)—
Effective Interest-Bearing Balance—
Interest Saved by Offset (this year)—
Principal Paid Off So Far—
Projected Payoff—
🎯 Offset Future Value — From Your Weekly Deposits
Grows from your current balance plus every weekly deposit between now and your chosen horizon (set on the net worth slider above). Offset accounts don't earn their own interest — the real return is the loan interest it lets you avoid, shown below it.
Offset Balance Today—
Projected Offset Balance—
— made up of: deposits you'll add by then—
Cumulative Interest Avoided Over That Period—
📅 Year-by-Year: Loan, Offset & Repayments
| Year | Loan Balance | Offset Balance | Effective Debt | Principal Paid (yr) | Interest Paid (yr) |
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Effective Net Property Debt (Today)—
⚠️ Rate Rise Stress Test — Automatic, No Input Needed
Always shows what +1% and +2% would do to your repayment from today's rate — a quick gut-check on how much room you have, recalculated every time you update your rate above.
| Rate | Repayment | vs Today |
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| Today | — | — |
| +1.0% | — | — |
| +2.0% | — | — |
⚖️ What-If Scenario — Compare Against Your Current Plan
Test a rate change or extra repayment without touching your real numbers above. Comparison runs against your current loan/offset/term as the baseline.
| Current Plan | Scenario | |
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| Repayment | — | — |
| Payoff Time | — | — |
| Total Interest (to payoff) | — | — |
Difference—
🏛️ Trading Liquidity & FX Engine
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🛡️ Emergency Fund Coverage
Your offset account doubles as your emergency fund. This section shows how many months of full household expenses it covers — the standard benchmark is 3–6 months minimum, with 6+ months recommended for households with variable income or business stakes.
Include mortgage repayments, food, utilities, insurance, school, car, lifestyle — everything that would continue if income stopped.
Leave 0 to use your offset balance automatically, or enter a specific earmarked amount.
Available Reserve (offset or entered above)
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—Monthly Expenses
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—Coverage in Months
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—Benchmark Status
Amount needed to reach 6-month benchmark
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—🇦🇺 AustralianSuper AUTO-ACCRUING WEEKLY
Balances below auto-accrue weekly based on Employer SG + any salary sacrifice, net of 15% contributions tax — the same formula already used in your Terminal Forecast, so the running balance and the projection stay consistent with each other. Untick to fall back to pure manual entry.
Division 296 (the "$3M super tax") passed into law in March 2026, effective 1 July 2026 — an extra 15% tax on super earnings for balances above $3M per individual (not per couple), assessed on realised earnings only. Primary: — · Secondary: —
🛡️ Insurance Coverage (via Super) YOUR REAL POLICY FIGURES
Held through AustralianSuper, insured by TAL Life Limited — figures pulled directly from your policy, not estimated. Both you and your wife hold identical cover.
Primary Earner
Secondary Earner
Combined Household Death Cover—
Combined Household TPD Cover—
Combined Income Protection—
— Death cover vs Outstanding Home Loan—
Shown as separate Death and TPD totals deliberately — many group super policies share one sum insured across both cover types rather than paying them additively, so adding them together could overstate real protection. That last comparison line is a simple factual ratio, not advice on whether your cover is "enough" — that's a conversation for a licensed adviser who can weigh in your actual income needs, dependents, and goals.
🏦 Legacy Micro-Platform Vectors
Balances below auto-top-up with your recurring contribution as each week (or month, for Vanguard) passes — no manual editing needed. Untick the box for any platform if you skip a deposit; it'll just sit still until you tick it again.
Total Micro-Platform Balance—
Synthesized Alpha Allocation Nodes
— high-conviction CommSec components
0% / 100%
Holdings out of date after an app update? Reload the latest CommSec allocation.
Replace estimated growth rates with real 10-year historical CAGR (US stocks only — takes ~7 min, paced to respect Twelve Data's free-tier limit, uses your fallback key).
💰 Dividend & Distribution Income MODELED ESTIMATE
Two different things below: an estimate based on typical yields per company, and your own actual received log once dividends start landing. Use the button to replace estimates with real historical averages where Twelve Data has the data (US stocks only, ASX has the same free-tier restriction as live ASX prices).
Avg actual dividends paid out per year, US stocks only — takes a few minutes, paced to respect Twelve Data's free-tier limit.
Est. Annual Income (Pre-Tax)
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— roughly per week
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Franking Credits (AU shares only, 30% corp rate)
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Grossed-Up Dividend Income (cash + credits)
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Franking credits offset your tax payable dollar-for-dollar (or get refunded if they exceed it) — they're not extra cash you receive, just tax already paid by the company on your behalf. Set each stock's Franking % in the position cards below; defaults to 0% since this portfolio is currently US stocks and international ETFs with no AU franking eligibility.
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This now actually flows into your tax return — grossed-up dividend income is added to each person's taxable income (affecting tax brackets, Medicare levy, and MLS), and franking credits are subtracted as a direct offset against tax payable. See the Tax Return tab for the full effect.
💵 Actual Dividends Received YOUR REAL NUMBERS
Log every dividend or distribution as it actually lands in your account — this is the real figure, not a model.
Received This Financial Year
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Received All-Time (logged)
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🇮🇳 India Sovereign Asset Intelligence Module
FX Conversion Engine · INR ⟶ AUD
Effective Net AUD per ₹1,000 after fees—
Auto mode pulls the live rate from the same engine as the Live Markets tab. If auto fetch fails, just type the rate manually — it stays editable as a fallback.
💱 India Investment Cost Basis & FX P&L
Track what your India assets actually cost you in AUD — separates genuine asset growth from currency movement, so your net worth reflects both accurately.
The blended rate across all years of AUD→INR conversion.
Total AUD converted and sent to India across all years — your real cost basis.
Total AUD Invested (cost basis)
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—Equivalent INR at entry rate
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—Current AUD Value of All India Assets
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—FX Movement (entry rate → current rate)
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—Every dollar of movement below is split into two separate effects so nothing looks contradictory — currency moving against you can still coexist with your total value going up, if the underlying asset grew by more.
① Pure FX Effect (currency only, same ₹ amount)
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—② Underlying Asset Growth (in AUD terms)
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—① + ② = Total Return on India Investment
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—🏦 India Accumulated Cash (HDFC Bank)
Your annual India income (farming, factory, portfolio nodes) isn't reinvested — it sits and accumulates in your HDFC account. That real cash is a genuine asset and now counts toward your India total and net worth, separate from the physical land/factory/node valuations.
Update this from your actual HDFC statement — it's the single source of truth for accumulated India cash.
HDFC savings typically 2.75–3.5%; FDs higher. Grows the balance in all projections.
HDFC Balance in AUD (at today's rate)
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—Interest Earned (₹/yr → AUD/yr)
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—This balance is now included in "Total India Asset Valuation" below and in your overall net worth.
📥 Planned India Investment
Model the impact of sending additional AUD to India. Enter the amount and the expected exchange rate — your projected India position and net worth update automatically.
What rate are you expecting to lock in? Defaults to current rate.
AUD being sent
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—INR received at planned rate
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—New blended average entry rate
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—New total AUD invested in India—
💡 Timing tip: if you believe AUD will weaken vs INR, investing now locks a better rate. If ADD may strengthen, waiting means more INR per dollar.
🧾 India TDS (Tax Deducted at Source) Tracker
India deducts TDS on factory interest and investment income before it reaches you. Track what's withheld — this reduces your actual AUD received and flows into your FITO (Foreign Income Tax Offset) calculation.
Usually 10% of interest earned above ₹40,000/yr threshold
If your India income is below taxable threshold, you can claim a refund of TDS
Total TDS Withheld (₹/yr)
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—Net TDS after Expected Refund (₹/yr)
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—Net TDS in AUD (reduces actual income received)
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—Used as FITO credit in AU tax return
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—📋 AUD→INR Wire Transfer Log
Log each individual transfer to build a precise cost basis — more accurate than a single average rate. Your blended average rate updates automatically.
Total Transfers Logged0
Total AUD Sent
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—Total INR Received
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—Total Fees Paid (AUD)
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—Precise Blended Rate (₹ per A$1)—
🔄 India → AUD Repatriation Modeller
If you decide to bring money back from India, model how much AUD you'd receive and whether it would be at a gain or loss vs your original investment.
AUD you'd receive (after 1.5% fee)
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—AUD you originally paid for this INR
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—Repatriation P&L—
Break-even rate (where P&L = $0)
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—⚠️ ATO note: realised foreign-exchange gains on repatriation can be assessable income under the forex realisation rules (Division 775), and losses may be deductible. Confirm treatment with your accountant before any large transfer.
🏭 Morbi Factory Investment Module
Principal Base (AUD Equiv.)—
Annual Interest Earned (₹)—
Liquid Distributed Interest (AUD/yr)—
📈 Strategic Portfolio Node 1
Principal (AUD)—
Quarterly Return (₹ / AUD)—
Annual Yield (₹ / AUD)—
📈 Strategic Portfolio Node 2
Principal (AUD)—
Quarterly Return (₹ / AUD)—
Annual Yield (₹ / AUD)—
🌾 Agricultural Land · Radodra, Aravalli, Gujarat
Total Land Value (₹)—
Total Land Value (AUD)—
🥭 Multi-Crop Farming Income
Gross Revenue (₹/yr)—
Net Farming Profit (₹/yr)—
Net Farming Profit (AUD/yr)—
⚡ Non-Farm Income Streams
Total Non-Farm Income (₹/yr)—
Total Non-Farm Income (AUD/yr)—
🇮🇳 Consolidated India Position Summary
Agricultural Land Value (AUD)
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—Morbi Factory Principal (AUD)
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—Strategic Portfolio Nodes (AUD)
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—🏦 HDFC Accumulated Cash (AUD)
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—Annual India Income — Farming (AUD)
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—Annual India Income — Non-Farm (AUD)
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—Annual India Income — Morbi Interest (AUD)
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—Annual India Income — Portfolio Nodes (AUD)
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—Combined Annual India Liquidity (AUD)—
Total India Asset Valuation (AUD)
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—This total = Physical Asset Base (land + factory principal + portfolio node capital) + Accumulated HDFC Cash (real, unreinvested income sitting in your bank account). This is the exact figure that flows into your overall net worth.
Informational — Income-Capitalised Estimate (10× multiple)—
A rough business-valuation proxy — treats your annual income stream as if it were a saleable asset worth 10× its yearly liquidity. Not included in net worth — it's a hypothetical "what this income stream would be worth if sold," shown for reference only.
🧾 Tax Return Simulation — FY2026-27 Hypothetical ATO Refund Calculator MODELED ESTIMATE
This simulation uses your income, deductions, and PAYG withheld to estimate your likely refund or debt at lodgement. Data flows automatically from your Income tab entries. This is a planning estimate, not a substitute for your actual ATO assessment — it doesn't model carry-forward super caps or the realised-earnings mechanics of Division 296.
Division 293 adds an extra 15% tax on concessional super contributions once income + contributions exceeds $250,000 (per individual, unchanged). Concessional cap is now $32,500 from 1 July 2026 (was $30,000). Division 296 (15% on super earnings above $3M TSB) also commenced 1 July 2026. Primary: — · Secondary: —
Primary Earner — Tax Return Breakdown
Gross Assessable Income
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—Less: Salary Sacrifice (pre-tax super)
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—Less: Total ATO Deductions
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—Plus: Grossed-Up Dividend Income (your share)
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Plus: India Income (your share, if declared)
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= Taxable Income
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—Income Tax on Taxable Income
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—Medicare Levy (2%)
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—Low Income Tax Offset (LITO)
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—Low & Middle Income Tax Offset (LMITO)
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—Less: Franking Credit Offset (your share)
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—Less: Foreign Income Tax Offset (FITO, India)
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—Total Tax Liability (after offsets)
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—PAYG Withheld by Employer
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Estimated Refund / (Debt)
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Secondary Earner — Tax Return Breakdown
Gross Assessable Income
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—Less: Salary Sacrifice
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—Less: Total ATO Deductions
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—Plus: Grossed-Up Dividend Income (your share)
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Plus: India Income (your share, if declared)
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= Taxable Income
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—Income Tax on Taxable Income
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—Medicare Levy (2%)
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—Low Income Tax Offset (LITO)
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—Low & Middle Income Tax Offset (LMITO)
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—Less: Franking Credit Offset (your share)
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—Less: Foreign Income Tax Offset (FITO, India)
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—Total Tax Liability (after offsets)
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—PAYG Withheld by Employer
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Estimated Refund / (Debt)
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📋 Tax Lodgement — FY2026-27
NOT LODGED
Track whether you've lodged your return for the selected year. Once lodged, enter the actual ATO amount — it flows into your net worth as real cash, separate from the estimate above.
📊 Super Salary Sacrifice Impact Visualiser (Primary Earner)
See how increasing your pre-tax super sacrifice shifts your tax refund and long-term balance. Based on your current salary of —.
📋 FY2026-27 concessional contributions cap: $32,500/yr (incl. employer SG + salary sacrifice). Amounts above cap taxed at marginal rate. Up from $30,000 from 1 July 2026.
🎯 Concessional Cap Tracker — Both Earners MODELED ESTIMATE
The $30,000 cap is per person, not combined — each earner has their own. Estimated automatically from elapsed financial year time (FY runs 1 Jul – 30 Jun); override with your real MyGov/payslip figure if you know it.
Primary Earner
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Secondary Earner
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📉 Capital Gains Tax Tracker · AUS + India Assets MODELED ESTIMATE
Track CGT events on your US stocks (taxed in Australia as foreign income), ASX ETFs, and India investments. Applies Australian CGT rules including 50% discount for assets held >12 months. Figures here are entered manually and not verified against actual sale records — confirm with your accountant before lodging.
Asset / Event
Cost Base $
Sale Price $
>12 Months?
CGT Summary
Total Capital Gains (before discount)
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—Total Capital Losses
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—50% CGT Discount Applied (eligible assets)
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—Net Taxable Capital Gain
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—Estimated CGT Liability—
Effective CGT Rate on Gross Gain—
🇮🇳 India CGT Note
India investments (Morbi factory, land, portfolio nodes) may attract capital gains in India (LTCG/STCG) and in Australia (foreign income). Under the India-Australia DTAA, tax paid in India can offset your Australian liability. Enter India sale events in the table above and note any Indian tax paid separately. Always consult a cross-border tax adviser.
🔴 Live Market Data Engine
Auto 60s
💱 Live Foreign Exchange Rates (AUD Base)
Source: Twelve Data (with key) or Frankfurter/ECB (no key). Use "Apply to Dashboard" to push AUD/USD and AUD/INR into your calculations.
AUD / USD
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AUD / INR
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🔎 Quick Stock / ETF Quote Lookup
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52W HIGH
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52W LOW
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VOLUME
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MKT CAP
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P/E RATIO
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CURRENCY
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📊 Your Portfolio — Live Prices & Valuation
US stocks priced in USD then converted to AUD at live rate. ASX ETFs priced in AUD directly. Prices are delayed 15–20 min during market hours.
Total AUD Deployed
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Live Market Value
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Unrealised P&L
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Tap "Refresh All" to load live prices for your 28 portfolio positions
Data sources: Exchange rates via Frankfurter.app (ECB reference, free, no key needed). Stock quotes via Yahoo Finance (15–20 min delayed during market hours, free). ASX market hours: Mon–Fri 10am–4pm AEST. NYSE/NASDAQ: Mon–Fri 9:30am–4pm EST (1:30am–8am AEST next day).
🥇 Precious Metals Holdings Tracker
Manual Price Override (if live fetch unavailable)
These values are used when live prices are unavailable. Live prices override these automatically when fetched.
⚖️ Consolidated Precious Metals Position
Total Gold Value (AUD)
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—Total Silver Value (AUD)
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—Gold ETF / Paper (AUD)
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—Silver ETF / Paper (AUD)
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—Combined Unrealised P&L (AUD)
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—Total Precious Metals Portfolio (AUD)—
Projected Terminal Value at Horizon (AUD)—
Price sources: Gold spot via Twelve Data; silver via Twelve Data → Finnhub → Metals.Dev fallback chain (Frankfurter/ECB doesn't carry precious metals at all, confirmed — removed from this chain rather than left as a guaranteed-fail step). Jewellery purity assumed 24K — adjust cost basis for 22K/18K accordingly. Prices shown are spot; physical coins/bars carry a dealer premium above spot.
🍽️ Hospitality Ventures CARRIED AT COST — NO GROWTH ASSUMED
Both businesses are young (opened March 2025) with very little return history yet — assuming a confident annual growth rate this early would be a guess dressed up as a number. These are carried at your original invested amount until there's enough of a track record to justify a real growth assumption, consistent with how this entire dashboard prefers real data over fabricated estimates. Update "Returns to Date" as distributions come in.
🛡️ Structure & Liability Protection — Confirmed
Business Structure
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Company — separate ABN eachPremises
🏎️
Leased (not owned) — both venuesBusiness Insurance
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✓ Confirmed in place — both venuesPersonal Lease Guarantee✓ None — confirmed clean
This is the combination that actually matters for protection: company structure shields personal assets from business liabilities, and with no personal guarantee on either lease, there's no contingent exposure hiding behind the corporate structure either. One thing this doesn't cover — your own personal insurance (life, income protection, TPD) is a separate question, still worth a look given your income now supports two businesses as well as your family.
🍝 Checchi's
Time Invested—
Return on Investment to Date—
Carrying Value (Net Worth Contribution)—
Projected Terminal Value at Horizon—
🍺 Inglewood Public
Time Invested—
Return on Investment to Date—
Carrying Value (Net Worth Contribution)—
Projected Terminal Value at Horizon—
🤝 Loan to Jaydeep — 0% Interest
A receivable, not equity — this is money owed back to you, tracked separately from the two business stakes above.
Outstanding Balance Owed to You—
Total Hospitality + Loan Asset Value—
— combined returns received to date (informational, already in your cash)—
Total Projected at Horizon—
📈 Dynamic Macro Progress Timeline
Compounded systemic growth, offset trajectories, integrated net-worth including India, Morbi, and precious metals appreciation.
| Horizon | Offset Bal | Residual Debt | Platform Pool | Super Pool | 🇮🇳 India | 🥇 Metals | Est Net Worth |
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