Australian Personal Finance

Know what you
actually keep.

Tayla helps Australians understand their weekly take-home pay, manage budgets, and build toward financial goals — securely stored and accessible from any device.

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Income Tracker

Track your net income across all sources. Annual tax calculator included.

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Budget Tracker

Log income and expenses by category. See where it goes.

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Financial Health Score

Savings rate, emergency fund coverage, and more

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Privacy First

Your data is encrypted and stored securely. You control what's shared.

Tayla

Your personal finance companion

Create Account

0 of 52 weeks entered

Week

Income 1 ($)

Income 2 ($)

Combined ($)

Total income from your monthly entries

—

Add your monthly income entries above to see your annual total

ATO Tax Brackets

Weekly equivalent · 2024–25

Estimates only. Does not include Medicare levy (2%), HECS/HELP repayments, tax offsets, or deductions. Not financial advice.

Income This Month

$0

0 entries

Expenses This Month

$0

0 entries

Net Balance

$0

Savings rate: —

Add Entry

Description

Amount ($)

Category

Recent Entries

Your logged income and expenses

No entries yet. Add your first above.

Spending by Category

Expenses only

Add expenses to see your breakdown.

Automatically calculated from your budget entries.

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Financial Health Score

Enter your details

Fill in the fields on the right to generate your personal financial health snapshot.

Key Metrics

Based on your inputs

Savings Rate —

Emergency Fund Coverage —

Debt-to-Income Ratio —

Housing Cost Ratio —

Your Details

Your data is encrypted and stored securely

Monthly Net Income ($)

Monthly Expenses ($)

Emergency Savings ($)

Total Debt ($) (from debt register below)

Monthly Rent / Mortgage ($)

Monthly Savings ($)

These values are stored securely on Tayla's servers. Not financial advice.

Debt Register

Track your loans and liabilities

Debt Name

Balance ($)

Interest Rate (%)

⚠️ Owner note: This is a legally compliant placeholder. Replace all bracketed sections with your own reviewed terms before public launch. Engage a privacy lawyer to finalise.

1. Acceptance of Terms

By creating an account and using Tayla ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service. These Terms are governed by the laws of Australia.

2. Service Description

Tayla is a personal finance tool providing weekly income tax estimates, budget tracking, financial health scoring, and goal tracking. Financial data is encrypted and stored securely on Tayla's servers, accessible only by you.

3. Not Financial or Tax Advice

Tayla is not a registered tax agent, financial planner, or credit licensee. All calculations are estimates based on publicly available ATO tax brackets and general financial principles. Nothing in the Service constitutes financial, tax, or investment advice. Always consult a qualified professional for your specific circumstances.

4. User Accounts

You are responsible for maintaining the security of your account credentials. You must be 18 years or older to create an account. We reserve the right to suspend or terminate accounts that breach these Terms.

5. Data and Privacy

Your use of Tayla is also governed by our Privacy Policy, which is incorporated into these Terms. Financial data (income, expenses, goals) is stored securely on Tayla's servers and is only accessible by you. Anonymised spending category data may be collected and shared with advertising partners only where you have given explicit, separate consent.

6. Advertising

Tayla may display advertisements to support free access. Where you have opted in, anonymised category data may be used for ad targeting. Dollar amounts and personal financial details are never used for advertising purposes.

7. Intellectual Property

All content, design, and software in Tayla is owned by Jack Sephton. You may not reproduce or distribute any part of the Service without written permission.

8. Limitation of Liability

To the maximum extent permitted by law, Tayla and its operators are not liable for any loss or damage — including financial loss — arising from reliance on information provided by the Service.

9. Changes to Terms

We may update these Terms from time to time. Continued use of the Service after notification of changes constitutes acceptance.

10. Governing Law

These Terms are governed by the laws of [Your State], Australia. Disputes will be subject to the exclusive jurisdiction of the courts of that State.