entitlemate

Having a child impacts your family's finances, housing, and government interactions for up to 22 years. entitlemate simultaneously runs Australian tax, childcare, housing, government payment, and safety net rules against your household profile.

The result is a single, clear net position showing exactly where your household stands. This is real money, simplified.

Here is why that matters.

From the day you start a family to the moment your kids finish university, your household is plugged into a shifting web of payments and programs. You transition from Paid Parental Leave and Child Care Subsidy to Family Tax Benefit, and eventually to Youth Allowance and HECS student debt.

Each program has its own complex eligibility thresholds and income tapers. Individually, these rules are difficult to navigate. However, when they interact, they create dependencies that no single calculator can solve.

Until now, the process has been the wrong way around. You start with your life, then search through each separate system trying to work out what you are entitled to. entitlemate reverses this. You enter your household profile once, and the logic automatically maps your eligibility across every system. The power of this approach shows when your circumstances change.

If you adjust your work hours, model a pay rise, change your rent, or add a day of childcare, every rule recalculates in real time. Model a change in household composition or income, and watch how payments, subsidy rates, and safety nets dynamically adjust - instantly.

That is the power of modelling your household as a single system, rather than running rules one at a time.

WHAT IT COVERS

• Family Life Cycle – Guided support from starting a family (Paid Parental Leave) to schooling, university (Youth Allowance), and late-stage Family Tax Benefit safety nets.

• Child Care Subsidy (CCS) – Includes the 3-Day Guarantee, activity tests, hourly caps, and the multi-child Higher Subsidy.

• Family Tax Benefit (FTB) – Parts A and B with income tapers and Commonwealth Rent Assistance.

• Income Tax – Stage 3 tax rates, Medicare Levy, Medicare Levy Surcharge, LITO (Low Income Tax Offset), and HELP/HECS student loan repayments.

• Mortgage & Rent – interest rate sensitivity analysis.

• Safety Nets – Health Care Cards (including Low Income HCC), PBS Safety Net, Medicare Safety Net, and Child Dental Benefits Schedule (CDBS) eligibility.

• Government Payments – Youth Allowance student/independent testing, Parenting Payment Single/Partnered, and concession card triggers.

PRIVACY BY DESIGN

entitlemate is a digital twin simulator. We do not access your bank accounts, Centrelink, or any external system. Your data is fully encrypted and remains on your device; you can delete it 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 rules for parental leave and super tax updates). Available on iPhone, iPad, and web.