ForBothOfUs
Calculator

Put your own numbers in. See your own gap.

Everything up to now has been someone else's numbers. These are yours — today's take-home pay, calculated properly, side by side.

RIGHT NOW

Today's numbers — where you both actually stand.

Gross, what's on her contract
Gross, what's on his contract
—
Her take-home, now
—
His take-home, now
—
Combined, now
This is what you already have access to, together, right now. ForBothOfUs changes nothing about this — it stays completely dormant while you're together.

Now, let's look at what might happen.

CHOOSE YOUR PROTECTION

Two decisions, made once, before anything's happened.

10 years Most couples choose 5–15 years
Her 50% / His 50% Most couples choose 50/50
AT SEPARATION, IN 12 YEARS

Today's dollars, adjusted for inflation. Pre-tax income first, then what that actually becomes after tax — the maths, not just the ending point.

Her
Without ForBothOfUs
—
—
take-home, per month
—
take-home, per year
Him
Without ForBothOfUs
—
—
take-home, per month
—
take-home, per year
Her
With ForBothOfUs
—
—
her share, per month
—
her share, per year
Him
With ForBothOfUs
—
—
his share, per month
—
his share, per year

Total protection value over 10 years, with ForBothOfUs: —

  • Years 1–5: the average career interruption after having children — her income is modelled at $0 during this period
  • Year 5 (re-entry): 57% of what a continuously-employed peer would be earning by then
  • Years 5–10: partial catch-up to 63% of peer income — the documented 10-year earnings differential — still growing, from a much smaller base
  • His figure: continuous ~4.5% real growth for the entire period — no interruption, no catch-up needed, the same peer rate hers is measured against

Estimate only, not financial or tax advice. A model built on the WGEA/McKinsey research cited throughout this site — not a guarantee. Based on FY2026-27 Australian resident tax rates plus the 2% Medicare levy.

Next How It Works →