Module // 08 · Financial position
Financial Position
Assets, debts and monthly cashflow on one screen — for any combination of levers. Set the scenario once and everything below re-projects together. Lanka mortgages are matched by the Lanka apartment assets above them.
live · engine-drivenposition
Slow growth · $6,000/mo · 1:200 (base) · Sell Jun 2027 (plan)
Cash (Mar 2030)
$177,108
end of horizon
Debt (Mar 2030)
$162,405
incl $16,000 Inexis
Net worth (Mar 2030)
$590,445
cash + equity − debt
Personal debt-free
Feb 2027
cards + loans
Balance sheet · assets
Asset equity at each year-end
| Position | Dec 2026 | Dec 2027 | Dec 2028 | Dec 2029 | Mar 2030 |
|---|---|---|---|---|---|
| Cash | $22,284 | $54,453 | $28,633 | $150,813 | $177,108 |
| Canberra apartment | $55,776 | — | — | — | — |
| Lanka Apartment 1 | — | $51,528 | $70,865 | $92,207 | $97,885 |
| Lanka Apartment 2 | — | — | $62,577 | $83,056 | $88,501 |
| SMSF (locked) | $94,482 | $124,959 | $157,569 | $192,462 | $201,561 |
| EV | $45,699 | $44,328 | $42,998 | $41,708 | $41,392 |
| Net worth | $53,470 | $200,268 | $346,641 | $544,246 | $590,445 |
Balance sheet · debts
Debt outstanding at each year-end
| Debt | Type | Dec 2026 | Dec 2027 | Dec 2028 | Dec 2029 | Mar 2030 |
|---|---|---|---|---|---|---|
| Jacaranda | personal | $8,348 | cleared | cleared | cleared | cleared |
| CBA (credit card) | personal | cleared | cleared | cleared | cleared | cleared |
| Plenti | personal | $9,355 | cleared | cleared | cleared | cleared |
| Revolut | personal | $12,068 | cleared | cleared | cleared | cleared |
| Humm (credit card) | personal | cleared | cleared | cleared | cleared | cleared |
| Inexis business debt | business | $135,000 | $75,000 | $16,000 | $16,000 | $16,000 |
| Canberra mortgage | mortgage | $331,750 | cleared | cleared | cleared | cleared |
| Lanka Apartment 1 mortgage | mortgage | — | $99,083 | $87,277 | $73,841 | $70,202 |
| Lanka Apartment 2 mortgage | mortgage | — | — | $92,383 | $79,651 | $76,203 |
| Total debt | $496,521 | $174,083 | $195,660 | $169,493 | $162,405 | |
The Lanka apartment mortgages (~$100k each) are the bulk of the later debt — but they're matched by the Lanka apartment assets above and serviced by Lanka Airbnb income (near-zero net carry). Inexis is the business debt; a weaker LKR rate shrinks it.
Cashflow
Month by month → Mar 2030
| Month | Income | + One-time | Expenses | Debt | Surplus | Cash | What changes |
|---|---|---|---|---|---|---|---|
| Jul 2026 | $11,975 | — | $6,918 | $4,258 | $799 | $5,500 | Rental income (Canberra, avg) starts ($1,575/mo) |
| Aug 2026 | $21,975 | — | $6,918 | $4,258 | $10,799 | $11,938 | tax return +$10,000 · Humm (credit card) cleared (avalanche) · CBA (credit card) cleared (avalanche) |
| Sep 2026 | $12,475 | −$3,500 | $6,918 | $3,908 | $1,649 | $10,087 | Inexis Digital → $500/mo · Airbnb venture capital (1/2) -$3,500 |
| Oct 2026 | $13,225 | — | $6,918 | $3,908 | $2,399 | $12,486 | Inexis Consulting → $250/mo · City Havens (Airbnb) → $500/mo |
| Nov 2026 | $13,225 | — | $6,918 | $3,908 | $2,399 | $14,885 | |
| Dec 2026 | $21,725 | −$3,500 | $6,918 | $3,908 | $10,899 | $22,284 | Inexis Digital → $1,000/mo · bonus +$8,000 · Airbnb venture capital (2/2) -$3,500 |
| Jan 2027 | $15,725 | — | $7,418 | $3,908 | $4,399 | $0 | Inexis Consulting → $500/mo · City Havens (Airbnb) → $1,000/mo · Cinnamon Stories (Travel) → $250/mo · Jacaranda cleared (cash sweep) · Plenti cleared (cash sweep) |
| Feb 2027 | $15,725 | — | $7,418 | $2,780 | $5,527 | $4,073 | Revolut cleared (avalanche) · All personal debt cleared · Lanka Apartment 1 on hold — Haj funded before property |
| Mar 2027 | $16,475 | — | $7,418 | $2,349 | $6,708 | $10,781 | Inexis Digital → $1,500/mo · Inexis Consulting → $750/mo |
| Apr 2027 | $17,225 | — | $7,418 | $2,349 | $7,458 | $18,239 | City Havens (Airbnb) → $1,500/mo · Cinnamon Stories (Travel) → $500/mo |
| May 2027 | $17,225 | — | $7,418 | $2,349 | $7,458 | $25,697 | |
| Jun 2027 | $16,400 | +$60,000 | $7,135 | $2,349 | $6,916 | $32,613 | Inexis Digital → $2,000/mo · Inexis Consulting → $1,000/mo · Canberra sale net +$60,000 · Canberra mortgage cleared (property sale) · THE PIVOT — mortgage carry gone |
| Jul 2027 | $17,150 | — | $7,635 | $0 | $9,515 | $42,128 | City Havens (Airbnb) → $2,000/mo · Cinnamon Stories (Travel) → $750/mo |
| Aug 2027 | $24,150 | — | $7,635 | $0 | $16,515 | $58,643 | tax return +$7,000 |
| Sep 2027 | $17,150 | — | $7,635 | $0 | $9,515 | $68,158 | |
| Oct 2027 | $17,400 | — | $7,635 | $0 | $9,765 | $77,923 | Cinnamon Stories (Travel) → $1,000/mo |
| Nov 2027 | $17,400 | — | $7,635 | $0 | $9,765 | $87,688 | |
| Dec 2027 | $24,400 | — | $7,635 | $0 | $16,765 | $54,453 | bonus +$7,000 · Lanka Apartment 1 acquired ($50,000 deposit) · Lanka Apartment 2 on hold — Haj funded before property |
| Jan 2028 | $17,900 | — | $8,135 | $0 | $9,765 | $64,218 | |
| Feb 2028 | $17,900 | — | $8,135 | $0 | $9,765 | $28,983 | Haj funded & paid ($45,000) |
| Mar 2028 | $17,900 | — | $8,135 | $0 | $9,765 | $38,748 | |
| Apr 2028 | $17,900 | — | $8,135 | $0 | $9,765 | $48,513 | |
| May 2028 | $17,900 | −$8,278 | $8,135 | $0 | $9,765 | $0 | Lanka Apartment 2 acquired ($50,000 deposit) · Inexis deferred tranche — paid $8,278 (post Apt 2) |
| Jun 2028 | $17,900 | −$9,765 | $8,135 | $0 | $9,765 | $0 | Inexis deferred tranche — paid $9,765 (post Apt 2) |
| Jul 2028 | $17,900 | −$9,265 | $8,635 | $0 | $9,265 | $0 | Inexis deferred tranche — paid $9,265 (post Apt 2) |
| Aug 2028 | $24,900 | −$9,265 | $8,635 | $0 | $16,265 | $0 | tax return +$7,000 · $7,000 tax/bonus → Inexis · Inexis deferred tranche — paid $9,265 (post Apt 2) |
| Sep 2028 | $17,900 | −$8,427 | $8,635 | $0 | $9,265 | $838 | Inexis deferred tranche — paid $8,427 (post Apt 2) |
| Oct 2028 | $17,900 | — | $8,635 | $0 | $9,265 | $10,103 | |
| Nov 2028 | $17,900 | — | $8,635 | $0 | $9,265 | $19,368 | |
| Dec 2028 | $24,900 | — | $8,635 | $0 | $16,265 | $28,633 | bonus +$7,000 · $7,000 tax/bonus → Inexis |
| Jan 2029 | $18,400 | — | $9,135 | $0 | $9,265 | $37,898 | |
| Feb 2029 | $18,400 | — | $9,135 | $0 | $9,265 | $47,163 | |
| Mar 2029 | $18,400 | — | $9,135 | $0 | $9,265 | $56,428 | |
| Apr 2029 | $18,400 | — | $9,135 | $0 | $9,265 | $65,693 | |
| May 2029 | $18,400 | — | $9,135 | $0 | $9,265 | $74,958 | |
| Jun 2029 | $18,400 | — | $9,135 | $0 | $9,265 | $84,223 | |
| Jul 2029 | $18,400 | — | $9,635 | $0 | $8,765 | $92,988 | |
| Aug 2029 | $25,400 | — | $9,635 | $0 | $15,765 | $108,753 | tax return +$7,000 |
| Sep 2029 | $18,400 | — | $9,635 | $0 | $8,765 | $117,518 | |
| Oct 2029 | $18,400 | — | $9,635 | $0 | $8,765 | $126,283 | |
| Nov 2029 | $18,400 | — | $9,635 | $0 | $8,765 | $135,048 | |
| Dec 2029 | $25,400 | — | $9,635 | $0 | $15,765 | $150,813 | bonus +$7,000 |
| Jan 2030 | $18,900 | — | $10,135 | $0 | $8,765 | $159,578 | |
| Feb 2030 | $18,900 | — | $10,135 | $0 | $8,765 | $168,343 | |
| Mar 2030 | $18,900 | — | $10,135 | $0 | $8,765 | $177,108 |