⚡
Sabbatical Cashflow
IO + Full Offset scenario
FY 2025-26
FY 2026-27
💼 Employment Income
$0
Canva gross pay
Tax already withheld
Interest earned prior (Nov-Jan)
Other taxable event
Tax owed on event
⚠️ Deferred tax liability
$0
Not included in monthly cashflow — set aside from savings
🏦 Offset Accounts
$0
Total in Offsets
$0
Not earning interest — but eliminating loan interest payments
💰 Savings Allocation
$0/mo
Total Balance
$0
Monthly Interest
$0
🏠 Property Income
$0/mo
Total Rent
$0/mo
📈 Investment Dividends
$0/mo
Monthly Dividends
$0/mo
Franking Credits (annual)
$0
🏗️ Property Costs
$0/mo
Total Property Costs
$0/mo
Net Property (Rent − Costs)
$0/mo
💳 Personal Expenses
$0/mo
Total Expenses
$0/mo
+ Add expense
🧾 Tax Deductions
$0/yr
+ Add deduction
➕ Additional Income
$0/mo
+ Add income source
🧾 Tax Estimate
$0/mo
Period
Oct 2025 – Jun 2026
Taxable income (annual)
$0
▶
Tax breakdown
Income tax
$0
Medicare levy
$0
Franking credit offset
$0
Tax already withheld (Canva)
$0
Monthly tax provision
$0
📊 Monthly Summary
Savings interest
$0
Rental income
$0
Dividends
$0
Additional income
$0
Total cash in
$0
Property costs
$0
Personal expenses
$0
Tax provision
$0
Total cash out
$0
Monthly Net
$0
Annual projection
$0/yr