entitlemate

Youth Allowance

Having a child can affect your family’s finances, housing, tax position, childcare costs, and government payments for more than two decades.

entitlemate brings those rules together.

Instead of using separate calculators for tax, childcare, rent assistance, family payments, student support, health care cards, and safety nets, you enter your household profile once. entitlemate then models the rules together and shows your household’s clear net position.

Real money, simplified.

From starting a family through to school, university, and early adulthood, your household moves through a changing system of payments and thresholds: Paid Parental Leave, Child Care Subsidy, Family Tax Benefit, Youth Allowance, HELP/HECS repayments, Medicare, PBS, and more.

Each program has its own eligibility rules, income tests, taper rates, caps, and cut-offs. On their own, they are difficult to understand. Together, they can create financial interactions that no single-purpose calculator can properly show.

entitlemate reverses the usual process.

Instead of starting with your life and searching across disconnected government systems, you start with your household. The app maps the relevant rules around you.

The real power appears when something changes.

Adjust your work hours. Model a pay rise. Change your rent or mortgage. Add another day of childcare. Update your family structure or income. entitlemate recalculates the connected impact across payments, subsidies, tax, safety nets, and repayment obligations in real time.

That is the benefit of modelling your household as one system, not one rule at a time.

What entitlemate Covers

Family Life CycleFrom Paid Parental Leave and early childhood support through to schooling, university, Youth Allowance, and late-stage Family Tax Benefit settings.

Child Care SubsidyIncludes the 3-Day Guarantee, activity tests, hourly rate caps, and the Higher Child Care Subsidy for families with multiple young children.

Family Tax BenefitModels FTB Part A, FTB Part B, income tapers, supplements, and Commonwealth Rent Assistance.

Income TaxIncludes Stage 3 tax rates, Medicare Levy, Medicare Levy Surcharge, Low Income Tax Offset, and HELP/HECS student loan repayments.

Housing CostsModel rent and mortgage scenarios, including interest rate sensitivity.

Safety Nets and Health SupportIncludes Health Care Card pathways, Low Income Health Care Card settings, PBS Safety Net, Medicare Safety Net, and Child Dental Benefits Schedule eligibility.

Government PaymentsIncludes Youth Allowance student and independence testing, Parenting Payment Single and Partnered, and concession card trigger points.

Privacy by Design

entitlemate is a digital twin simulator for your household.

It does not connect to your bank account, Centrelink, myGov, or any external government system. Your data is encrypted, stored on your device, and can be deleted at any time.

Every calculation cites its legislative source.

This is logic, not advice.

Built on legislation current to the 2025-26 financial year, with forward-looking 2026-27 settings for parental leave and superannuation tax updates where available.

Available on iPhone, iPad, and web.