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)
$183,870
end of horizon
Debt (Mar 2030)
$161,230
incl $16,000 Inexis
Net worth (Mar 2030)
$599,054
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 | $23,188 | $57,165 | $33,145 | $157,125 | $183,870 |
| Canberra apartment | $55,776 | — | — | — | — |
| Lanka Apartment 1 | — | $51,528 | $70,865 | $92,207 | $97,885 |
| Lanka Apartment 2 | — | — | $64,207 | $84,856 | $90,347 |
| 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 | $54,373 | $202,980 | $352,784 | $552,358 | $599,054 |
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 | — | — | $91,383 | $78,514 | $75,028 |
| Total debt | $496,521 | $174,083 | $194,660 | $168,356 | $161,230 | |
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 | — | $6,768 | $4,258 | $949 | $5,500 | Rental income (Canberra, avg) starts ($1,575/mo) |
| Aug 2026 | $21,975 | — | $6,768 | $4,258 | $10,949 | $12,242 | tax return +$10,000 · Humm (credit card) cleared (avalanche) · CBA (credit card) cleared (avalanche) |
| Sep 2026 | $12,475 | −$3,500 | $6,768 | $3,908 | $1,799 | $10,541 | Inexis Digital → $500/mo · Airbnb venture capital (1/2) -$3,500 |
| Oct 2026 | $13,225 | — | $6,768 | $3,908 | $2,549 | $13,090 | Inexis Consulting → $250/mo · City Havens (Airbnb) → $500/mo |
| Nov 2026 | $13,225 | — | $6,768 | $3,908 | $2,549 | $15,639 | |
| Dec 2026 | $21,725 | −$3,500 | $6,768 | $3,908 | $11,049 | $23,188 | Inexis Digital → $1,000/mo · bonus +$8,000 · Airbnb venture capital (2/2) -$3,500 |
| Jan 2027 | $15,725 | — | $7,268 | $3,908 | $4,549 | $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 | — | $7,268 | $2,780 | $5,677 | $5,285 | Revolut cleared (avalanche) · All personal debt cleared · Lanka Apartment 1 on hold — Haj funded before property |
| Mar 2027 | $16,475 | — | $7,268 | $2,349 | $6,858 | $12,143 | Inexis Digital → $1,500/mo · Inexis Consulting → $750/mo |
| Apr 2027 | $17,225 | — | $7,268 | $2,349 | $7,608 | $19,751 | City Havens (Airbnb) → $1,500/mo · Cinnamon Stories (Travel) → $500/mo |
| May 2027 | $17,225 | — | $7,268 | $2,349 | $7,608 | $27,359 | |
| Jun 2027 | $16,400 | +$60,000 | $6,985 | $2,349 | $7,066 | $34,425 | 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 | — | $7,485 | $0 | $9,665 | $44,090 | City Havens (Airbnb) → $2,000/mo · Cinnamon Stories (Travel) → $750/mo |
| Aug 2027 | $24,150 | — | $7,485 | $0 | $16,665 | $60,755 | tax return +$7,000 |
| Sep 2027 | $17,150 | — | $7,485 | $0 | $9,665 | $70,420 | |
| Oct 2027 | $17,400 | — | $7,485 | $0 | $9,915 | $80,335 | Cinnamon Stories (Travel) → $1,000/mo |
| Nov 2027 | $17,400 | — | $7,485 | $0 | $9,915 | $90,250 | |
| Dec 2027 | $24,400 | — | $7,485 | $0 | $16,915 | $57,165 | bonus +$7,000 · Lanka Apartment 1 acquired ($50,000 deposit) · Lanka Apartment 2 on hold — Haj funded before property |
| Jan 2028 | $17,900 | — | $7,985 | $0 | $9,915 | $67,080 | |
| Feb 2028 | $17,900 | — | $7,985 | $0 | $9,915 | $31,995 | Haj funded & paid ($45,000) |
| Mar 2028 | $17,900 | — | $7,985 | $0 | $9,915 | $41,910 | |
| Apr 2028 | $17,900 | −$1,825 | $7,985 | $0 | $9,915 | $0 | Lanka Apartment 2 acquired ($50,000 deposit) · Inexis deferred tranche — paid $1,825 (post Apt 2) |
| May 2028 | $17,900 | −$9,915 | $7,985 | $0 | $9,915 | $0 | Inexis deferred tranche — paid $9,915 (post Apt 2) |
| Jun 2028 | $17,900 | −$9,915 | $7,985 | $0 | $9,915 | $0 | Inexis deferred tranche — paid $9,915 (post Apt 2) |
| Jul 2028 | $17,900 | −$9,415 | $8,485 | $0 | $9,415 | $0 | Inexis deferred tranche — paid $9,415 (post Apt 2) |
| Aug 2028 | $24,900 | −$9,415 | $8,485 | $0 | $16,415 | $0 | tax return +$7,000 · $7,000 tax/bonus → Inexis · Inexis deferred tranche — paid $9,415 (post Apt 2) |
| Sep 2028 | $17,900 | −$4,515 | $8,485 | $0 | $9,415 | $4,900 | Inexis deferred tranche — paid $4,515 (post Apt 2) |
| Oct 2028 | $17,900 | — | $8,485 | $0 | $9,415 | $14,315 | |
| Nov 2028 | $17,900 | — | $8,485 | $0 | $9,415 | $23,730 | |
| Dec 2028 | $24,900 | — | $8,485 | $0 | $16,415 | $33,145 | bonus +$7,000 · $7,000 tax/bonus → Inexis |
| Jan 2029 | $18,400 | — | $8,985 | $0 | $9,415 | $42,560 | |
| Feb 2029 | $18,400 | — | $8,985 | $0 | $9,415 | $51,975 | |
| Mar 2029 | $18,400 | — | $8,985 | $0 | $9,415 | $61,390 | |
| Apr 2029 | $18,400 | — | $8,985 | $0 | $9,415 | $70,805 | |
| May 2029 | $18,400 | — | $8,985 | $0 | $9,415 | $80,220 | |
| Jun 2029 | $18,400 | — | $8,985 | $0 | $9,415 | $89,635 | |
| Jul 2029 | $18,400 | — | $9,485 | $0 | $8,915 | $98,550 | |
| Aug 2029 | $25,400 | — | $9,485 | $0 | $15,915 | $114,465 | tax return +$7,000 |
| Sep 2029 | $18,400 | — | $9,485 | $0 | $8,915 | $123,380 | |
| Oct 2029 | $18,400 | — | $9,485 | $0 | $8,915 | $132,295 | |
| Nov 2029 | $18,400 | — | $9,485 | $0 | $8,915 | $141,210 | |
| Dec 2029 | $25,400 | — | $9,485 | $0 | $15,915 | $157,125 | bonus +$7,000 |
| Jan 2030 | $18,900 | — | $9,985 | $0 | $8,915 | $166,040 | |
| Feb 2030 | $18,900 | — | $9,985 | $0 | $8,915 | $174,955 | |
| Mar 2030 | $18,900 | — | $9,985 | $0 | $8,915 | $183,870 |