Bhargav Wealth Command

Consolidated Household Net Worth Vector CURRENT

True Baseline Capital Position —

(Liquid Pools + Bank Offsets + Micro-Platforms + Super + India Assets + Precious Metals) − Home Loan Debt

Terminal Valuation Forecast Model MODELED ESTIMATE

Starts from your live current portfolio value where available (refresh Live Markets to update it), then compounds forward using your CAGR assumptions — the growth itself is always a projection, not a guarantee.

Projection Horizon: 5 Years

Projected Stock Deployment Pool TV—

Projected Micro-Platform Sub-Pools TV—

Projected AustralianSuper TV—

🇮🇳 India Assets Total TV (AUD)—

🥇 Precious Metals TV (AUD)—

🏦 Projected Offset Balance TV (AUD)—

🏠 Projected Net Property Debt (AUD)—

Forecasted Systemic Asset Terminal Value—

Absolute Compound Asset Growth Delta—

📈 Net Worth History RECORDED, NOT PROJECTED

One snapshot per day, taken automatically whenever you open the app. This is your actual wealth-building track record — separate from the forecast above.

Come back tomorrow — history builds up day by day from here, you've only got one snapshot so far.

🎯 Wealth Goal Tracker MODELED ESTIMATE

Set a target — the timeline below uses the same growth assumptions as your Terminal Forecast above, so it stays consistent with everything else on this dashboard, not a separate guess.

Target Net Worth (AUD)

——

Current Position—

Projected Arrival—

Combined Net Annual Income (AUS)

—

Combined Net Weekly Pay

—

Banking Liquidity & Reserves

—

Liquid Weekly Surplus Runway
—

🇮🇳 India Annual Income (AUD Equivalent)
—

Primary Earner Est. Tax Refund
—

Secondary Earner Est. Tax Refund
—

🥇 Precious Metals Portfolio Value (AUD)
—

🔍 Post-Stage 3 Australian Taxation Matrix

🏥 Household Private Health Cover & Medicare Levy Surcharge

MLS is assessed on combined family income. Holding an eligible hospital policy exempts you both from the surcharge (1–1.5% of income above the family threshold). Premiums are a household expense, not a tax deduction.

Hospital Cover Held?

Combined Weekly Premium ($/wk)

Split 50/50 across earners for take-home

Combined Family Income for MLS—

MLS Tier / Rate—

Medicare Levy Surcharge (if no cover)—

Annual Tax Saved by Holding Cover—

Primary Earner Parameters

Base Annual Salary ($)

Expected Bonus (%)

Super Salary Sacrifice ($/Yr)

Post-Tax Weekly Car Deduction ($/Wk)

PAYG Tax Withheld by Employer ($/Yr)

Leave 0 to auto-calculate from salary. Enter actual withheld amount from your payment summary for refund simulation.

Refund / Debt vs actual tax—

ATO Work-Related Deductions (Primary Earner)

D1 – Work-Related Vehicle & Travel

Work Vehicle Use — Cents/km Method (km/yr)

ATO rate 88c/km (2024-25), max 5,000 km

Other Work Travel Expenses ($/yr)

D2 – Work-Related Phone & Internet

Mobile Phone Work Use % (of annual bill $)

Total annual mobile bill

Mobile Work Use (%)

Internet Annual Bill ($)

Internet Work Use (%)

D3 – Work-Related Tools & Equipment

Laptop/Computer ($ purchase price)

≤$300 instant; >$300 depreciated

Mobile Phone ($ purchase price)

Other Tools/Equipment ($)

D4 – Work Clothing & Laundry

Compulsory Uniform / Protective Gear ($)

Laundering Work Clothing ($)

Dry Cleaning ($)

D5 – Self-Education & Professional

Self-Education / Training Costs ($)

Professional Memberships / Subscriptions ($)

D6 – Other Deductions

Home Office (Fixed Rate 70c/hr × hrs/wk × weeks)

Enter annual hours worked from home

Donations / Gifts to DGR ($)

Investment / Income Protection Insurance ($)

Total ATO Deductions — Primary—

Gross Assessable Income—

Salary Sacrifice Allocation—

Total ATO Deductions Applied—

Net Taxable Income—

Estimated Income Tax Payable—

Medicare Levy (2%)—

Medicare Levy Surcharge—

Private Health Premium (50% share)—

Tax Saved by Deductions—

Post-Tax Car Deduction (Weekly)—

Net Weekly Take-Home—

Secondary Earner Parameters

Base Annual Salary ($)

Super Salary Sacrifice ($/Yr)

Supplemental Capital Streams ($/Yr)

PAYG Tax Withheld by Employer ($/Yr)

0 = auto-calculate

Refund / Debt vs actual tax—

ATO Work-Related Deductions (Secondary Earner)

Work Vehicle — Cents/km (km/yr, max 5,000)

Other Work Travel ($)

Mobile Phone Annual Bill ($)

Mobile Work Use (%)

Internet Annual Bill ($)

Internet Work Use (%)

Laptop/Computer ($)

Mobile Phone ($)

Other Tools ($)

Uniform/Protective Gear ($)

Laundering ($)

Self-Education ($)

Home Office (hours/yr)

Donations to DGR ($)

Total ATO Deductions — Secondary—

Gross Assessable Income—

Salary Sacrifice Allocation—

Total ATO Deductions Applied—

Net Taxable Income—

Estimated Income Tax Payable—

Medicare Levy (2%)—

Medicare Levy Surcharge—

Private Health Premium (50% share)—

Tax Saved by Deductions—

Net Weekly Take-Home—

💳 Fixed & Lifestyle Weekly Overheads Ledger

Expense Weekly $

Aggregated Structural Lifestyle Attrition —

🔄 Automated Asset Deployment Protocols

Spaceship Universe ($/wk)

Spaceship Origin ($/wk)

Spaceship Earth ($/wk)

Raiz ($/wk)

Vanguard ETF ($/mo)

Total Automated Pipeline Flow—

🏠 Debt Architecture & Capital Offset Framework MODELED — RECALCS WHEN YOU CHANGE THE RATE

Outstanding Residential Mortgage ($ AUD)

Original Loan Amount ($ AUD) — optional, shows what you've paid off so far

Bank Liquidity Offset Balance ($ AUD)

Regular Offset Accumulation ($)

Frequency

📐 Loan Terms — Update This Whenever Westpac's Rate Changes

Current Interest Rate (% p.a.)

Remaining Loan Term (Years)

Repayment Frequency

Your Actual Repayment (optional) — if you pay more than the minimum, or your bank hasn't recalculated yet

Westpac's variable rate moves with the RBA cash rate and their own pricing decisions — there's no free live feed for this, so update it by hand whenever your rate changes (check the Westpac app or your last statement). Everything below recalculates instantly.

Required Repayment (at this rate)—

Effective Interest-Bearing Balance—

Interest Saved by Offset (this year)—

Principal Paid Off So Far—

Projected Payoff—

🎯 Offset Future Value — From Your Weekly Deposits

Grows from your current balance plus every weekly deposit between now and your chosen horizon (set on the net worth slider above). Offset accounts don't earn their own interest — the real return is the loan interest it lets you avoid, shown below it.

Offset Balance Today—

Projected Offset Balance—

— made up of: deposits you'll add by then—

Cumulative Interest Avoided Over That Period—

📅 Year-by-Year: Loan, Offset & Repayments

Year	Loan Balance	Offset Balance	Effective Debt	Principal Paid (yr)	Interest Paid (yr)

Effective Net Property Debt (Today)—

⚠️ Rate Rise Stress Test — Automatic, No Input Needed

Always shows what +1% and +2% would do to your repayment from today's rate — a quick gut-check on how much room you have, recalculated every time you update your rate above.

Rate	Repayment	vs Today
Today	—	—
+1.0%	—	—
+2.0%	—	—

⚖️ What-If Scenario — Compare Against Your Current Plan

Test a rate change or extra repayment without touching your real numbers above. Comparison runs against your current loan/offset/term as the baseline.

Rate Change (+/- %)

Extra Repayment ($/period)

	Current Plan	Scenario
Repayment	—	—
Payoff Time	—	—
Total Interest (to payoff)	—	—

Difference—

🏛️ Trading Liquidity & FX Engine

Strategic Cash Pool (AUD)

AUD/USD Rate

FX Conversion Fee (%)

Super Contribution Shield

—

AUD Stock Seed Allocation

—

USD Trading Vault

—

🇦🇺 AustralianSuper AUTO-ACCRUING WEEKLY

Balances below auto-accrue weekly based on Employer SG + any salary sacrifice, net of 15% contributions tax — the same formula already used in your Terminal Forecast, so the running balance and the projection stay consistent with each other. Untick to fall back to pure manual entry.

Primary Earner Super Balance ($) auto Auto-accrue weekly

Secondary Earner Super Balance ($) auto Auto-accrue weekly

Expected CAGR (%)

Employer SG Rate (%)

🛡️ Insurance Coverage (via Super) YOUR REAL POLICY FIGURES

Held through AustralianSuper, insured by TAL Life Limited — figures pulled directly from your policy, not estimated. Both you and your wife hold identical cover.

Primary Earner

Death Cover ($)

TPD Cover ($)

Income Protection ($/month)

Secondary Earner

Death Cover ($)

TPD Cover ($)

Income Protection ($/month)

Combined Household Death Cover—

Combined Household TPD Cover—

Combined Income Protection—

— Death cover vs Outstanding Home Loan—

Shown as separate Death and TPD totals deliberately — many group super policies share one sum insured across both cover types rather than paying them additively, so adding them together could overstate real protection. That last comparison line is a simple factual ratio, not advice on whether your cover is "enough" — that's a conversation for a licensed adviser who can weigh in your actual income needs, dependents, and goals.

🏦 Legacy Micro-Platform Vectors

Balances below auto-top-up with your recurring contribution as each week (or month, for Vanguard) passes — no manual editing needed. Untick the box for any platform if you skip a deposit; it'll just sit still until you tick it again.

Vanguard ($) auto Auto-accrue $/mo

Spaceship ($) auto Auto-accrue $/wk

Raiz ($) auto Auto-accrue $/wk

Vanguard CAGR %

Spaceship CAGR %

Raiz CAGR %

Total Micro-Platform Balance—

Synthesized Alpha Allocation Nodes

59 high-conviction CommSec components — $60,000 AUD

0% / 100%

Holdings out of date after an app update? Reload the latest CommSec allocation.

Replace estimated growth rates with real 10-year historical CAGR (US stocks only — takes ~7 min, paced to respect Twelve Data's free-tier limit, uses your fallback key).

💰 Dividend & Distribution Income MODELED ESTIMATE

Two different things below: an estimate based on typical yields per company, and your own actual received log once dividends start landing. Use the button to replace estimates with real historical averages where Twelve Data has the data (US stocks only, ASX has the same free-tier restriction as live ASX prices).

Avg actual dividends paid out per year, US stocks only — takes a few minutes, paced to respect Twelve Data's free-tier limit.

Est. Annual Income (Pre-Tax) —

— roughly per week —

💵 Actual Dividends Received YOUR REAL NUMBERS

Log every dividend or distribution as it actually lands in your account — this is the real figure, not a model.

Received This Financial Year —

Received All-Time (logged) —

🇮🇳 India Sovereign Asset Intelligence Module

FX Conversion Engine · INR ⟶ AUD

Tap "Live Rate" to auto-fetch AUD/INR

AUD/INR Rate (₹ per AUD$1) Manual

Remittance Fee (%)

Effective Net AUD per ₹1,000 after fees—

Auto mode pulls the live rate from the same engine as the Live Markets tab. If auto fetch fails, just type the rate manually — it stays editable as a fallback.

🏭 Morbi Factory Investment Module

Total Principal Invested (₹)

Interest Rate / CAGR (%)

Annual Additional Capital Injections (₹/yr)

Compounding

Interest Reinvestment Ratio (%)

Principal Base (AUD Equiv.)—

Annual Interest Earned (₹)—

Liquid Distributed Interest (AUD/yr)—

📈 Strategic Portfolio Node 1

Capital Invested (₹)

Target Annual Yield / IRR (%)

Principal (AUD)—

Quarterly Return (₹ / AUD)—

Annual Yield (₹ / AUD)—

📈 Strategic Portfolio Node 2

Capital Invested (₹)

Target Annual Yield / IRR (%)

Principal (AUD)—

Quarterly Return (₹ / AUD)—

Annual Yield (₹ / AUD)—

🌾 Agricultural Land · Radodra, Aravalli, Gujarat

Land Area (Bigha)

Value per Bigha (₹)

Land Appreciation CAGR (%)

Total Land Value (₹)—

Total Land Value (AUD)—

🥭 Multi-Crop Farming Income

Kesar Mango Revenue (₹/yr)

Pomegranate Revenue (₹/yr)

Seasonal Vegetables (₹/yr)

Other / Lease Income (₹/yr)

Farming & Caretaker Costs (₹/yr)

Gross Revenue (₹/yr)—

Net Farming Profit (₹/yr)—

Net Farming Profit (AUD/yr)—

⚡ Non-Farm Income Streams

PM-KUSUM Solar Lease (₹/yr)

Carbon Credits / ICM (₹/yr)

Cold Storage Rental (₹/yr)

Contract Farming / Land Lease (₹/yr)

Total Non-Farm Income (₹/yr)—

Total Non-Farm Income (AUD/yr)—

🇮🇳 Consolidated India Position Summary

Agricultural Land Value (AUD)—

Morbi Factory Principal (AUD)—

Strategic Portfolio Nodes (AUD)—

Annual India Income — Farming (AUD)—

Annual India Income — Non-Farm (AUD)—

Annual India Income — Morbi Interest (AUD)—

Annual India Income — Portfolio Nodes (AUD)—

Combined Annual India Liquidity (AUD)—

Total India Asset Valuation (AUD)—

🧾 Tax Return Simulation — Hypothetical ATO Refund Calculator MODELED ESTIMATE

This simulation uses your income, deductions, and PAYG withheld to estimate your likely refund or debt at lodgement. Data flows automatically from your Income tab entries. This is a planning estimate, not a substitute for your actual ATO assessment — it doesn't model carry-forward super caps, Div 293, or the $3M super tax.

Primary Earner — Tax Return Breakdown

Gross Assessable Income—

Less: Salary Sacrifice (pre-tax super)—

Less: Total ATO Deductions—

= Taxable Income—

Income Tax on Taxable Income—

Medicare Levy (2%)—

Low Income Tax Offset (LITO)—

Low & Middle Income Tax Offset (LMITO)—

Total Tax Liability (after offsets)—

PAYG Withheld by Employer—

Estimated Refund / (Debt) —

Secondary Earner — Tax Return Breakdown

Gross Assessable Income—

Less: Salary Sacrifice—

Less: Total ATO Deductions—

= Taxable Income—

Income Tax on Taxable Income—

Medicare Levy (2%)—

Low Income Tax Offset (LITO)—

Low & Middle Income Tax Offset (LMITO)—

Total Tax Liability (after offsets)—

PAYG Withheld by Employer—

Estimated Refund / (Debt) —

📊 Super Salary Sacrifice Impact Visualiser (Primary Earner)

See how increasing your pre-tax super sacrifice shifts your tax refund and long-term balance. Based on your current salary of —.

⚠️ FY2024-25 concessional contributions cap: $30,000/yr (incl. employer SG). Amounts above cap taxed at marginal rate.

🎯 Concessional Cap Tracker — Both Earners MODELED ESTIMATE

The $30,000 cap is per person, not combined — each earner has their own. Estimated automatically from elapsed financial year time (FY runs 1 Jul – 30 Jun); override with your real MyGov/payslip figure if you know it.

Primary Earner

Actual YTD Contributions (optional override)

——

Secondary Earner

Actual YTD Contributions (optional override)

——

📉 Capital Gains Tax Tracker · AUS + India Assets MODELED ESTIMATE

Track CGT events on your US stocks (taxed in Australia as foreign income), ASX ETFs, and India investments. Applies Australian CGT rules including 50% discount for assets held >12 months. Figures here are entered manually and not verified against actual sale records — confirm with your accountant before lodging.

Asset / Event Cost Base $ Sale Price $ >12 Months?

CGT Summary

Your Marginal Tax Rate (%)

Total Capital Gains (before discount)—

Total Capital Losses—

50% CGT Discount Applied (eligible assets)—

Net Taxable Capital Gain—

Estimated CGT Liability—

Effective CGT Rate on Gross Gain—

🇮🇳 India CGT Note

India investments (Morbi factory, land, portfolio nodes) may attract capital gains in India (LTCG/STCG) and in Australia (foreign income). Under the India-Australia DTAA, tax paid in India can offset your Australian liability. Enter India sale events in the table above and note any Indian tax paid separately. Always consult a cross-border tax adviser.

🔴 Live Market Data Engine

Auto 60s

Ready — tap Refresh to load live data

🔑 Finnhub API Key — Primary Not set

tap to expand ▾

Finnhub allows 60 calls/minute — much higher than Twelve Data's 8/min, so it's used first for US stock prices. Free, no credit card.

Go to finnhub.io/register and sign up (free)
Copy your API key from the dashboard
Paste it below and tap Save

US stocks only on the free tier (international/ASX needs a paid plan, same as Twelve Data). Any stock Finnhub can't fetch automatically falls back to Twelve Data below.

🔑 Twelve Data API Key — Fallback Not set

tap to expand ▾

Used as backup for anything Finnhub can't fetch (FX, gold/silver, ASX, or US stocks if Finnhub's limit is hit). Free, takes 2 minutes, no credit card.

Go to twelvedata.com/register and sign up (free)
Copy your API key from the dashboard
Paste it below and tap Save

Free tier: 800 requests/day, 8/min. With Finnhub as primary, this fallback only kicks in occasionally, so the daily quota goes much further. Tap Test after saving to confirm the key works.

💱 Live Foreign Exchange Rates (AUD Base)

Source: Twelve Data (with key) or Frankfurter/ECB (no key). Use "Apply to Dashboard" to push AUD/USD and AUD/INR into your calculations.

AUD / USD

—

AUD / INR

—

AUD / GBP

—

AUD / EUR

—

AUD / SGD

—

AUD / JPY

—

🔎 Quick Stock / ETF Quote Lookup

—

—

—

—

52W HIGH

—

52W LOW

—

VOLUME

—

MKT CAP

—

P/E RATIO

—

CURRENCY

—

📊 Your Portfolio — Live Prices & Valuation

US stocks priced in USD then converted to AUD at live rate. ASX ETFs priced in AUD directly. Prices are delayed 15–20 min during market hours.

Total AUD Deployed

—

Live Market Value

—

Unrealised P&L

—

Tap "Refresh All" to load live prices for your 28 portfolio positions

Data sources: Exchange rates via Frankfurter.app (ECB reference, free, no key needed). Stock quotes via Yahoo Finance (15–20 min delayed during market hours, free). ASX market hours: Mon–Fri 10am–4pm AEST. NYSE/NASDAQ: Mon–Fri 9:30am–4pm EST (1:30am–8am AEST next day).

🥇 Precious Metals Holdings Tracker

GOLD (XAU) · LIVE SPOT

—

USD/oz

—

AUD/oz

— —

SILVER (XAG) · LIVE SPOT

—

USD/oz

—

AUD/oz

— —

Manual Price Override (if live fetch unavailable)

Gold Spot Price (USD/oz)

Silver Spot Price (USD/oz)

These values are used when live prices are unavailable. Live prices override these automatically when fetched.

🥈 Silver-Specific Source — Metals.Dev

Twelve Data doesn't include silver on its free tier, and Finnhub's attempt failed too — confirmed, not a bug. Metals.Dev genuinely supports silver free, but only 100 requests/month, so this is a deliberate manual action, never automatic — it won't fire on Refresh All or any auto-refresh.

🥇 Gold Holdings

Gold Coins / Bars (oz)

e.g. 1oz Kangaroo = 1oz

Gold Jewellery (grams)

Pure 24K equivalent

Gold ETF / Paper Gold (AUD$)

PMGOLD, QAU, etc.

Average Buy Price — Coins/Bars (AUD/oz)

Average Buy Price — Jewellery (AUD/gram)

Expected Annual Appreciation CAGR (%)

Historical gold average ~8-10% p.a. long term

Total Gold Weight (troy oz)—

Current Market Value (USD)—

Current Market Value (AUD)—

Total Cost Basis (AUD)—

Unrealised P&L (AUD)—

Total Gold Portfolio Value (AUD)—

🥈 Silver Holdings

Silver Coins / Bars (oz)

e.g. 1oz Silver Kookaburra

Silver Bullion Bars (kg)

1 kg = 32.15 troy oz

Silver ETF / Paper Silver (AUD$)

Average Buy Price — Coins/Bars (AUD/oz)

Expected Annual Appreciation CAGR (%)

Total Silver Weight (troy oz)—

Current Market Value (USD)—

Current Market Value (AUD)—

Total Cost Basis (AUD)—

Unrealised P&L (AUD)—

Total Silver Portfolio Value (AUD)—

⚖️ Consolidated Precious Metals Position

Total Gold Value (AUD)—

Total Silver Value (AUD)—

Gold ETF / Paper (AUD)—

Silver ETF / Paper (AUD)—

Combined Unrealised P&L (AUD)—

Total Precious Metals Portfolio (AUD)—

Projected Terminal Value at Horizon (AUD)—

Price sources: Gold spot via Twelve Data; silver via Twelve Data → Finnhub → Metals.Dev fallback chain (Frankfurter/ECB doesn't carry precious metals at all, confirmed — removed from this chain rather than left as a guaranteed-fail step). Jewellery purity assumed 24K — adjust cost basis for 22K/18K accordingly. Prices shown are spot; physical coins/bars carry a dealer premium above spot.

🍽️ Hospitality Ventures CARRIED AT COST — NO GROWTH ASSUMED

Both businesses are young (opened March 2025) with very little return history yet — assuming a confident annual growth rate this early would be a guess dressed up as a number. These are carried at your original invested amount until there's enough of a track record to justify a real growth assumption, consistent with how this entire dashboard prefers real data over fabricated estimates. Update "Returns to Date" as distributions come in.

🛡️ Structure & Liability Protection — Confirmed

Business StructureCompany — separate ABN each

PremisesLeased (not owned) — both venues

Business Insurance✓ Confirmed in place — both venues

Personal Lease Guarantee✓ None — confirmed clean

This is the combination that actually matters for protection: company structure shields personal assets from business liabilities, and with no personal guarantee on either lease, there's no contingent exposure hiding behind the corporate structure either. One thing this doesn't cover — your own personal insurance (life, income protection, TPD) is a separate question, still worth a look given your income now supports two businesses as well as your family.

🍝 Checchi's

Total Invested (AUD)

Invested Since

Ownership Stake (%) — partnership structure

Returns / Distributions to Date (AUD)

Expected Annual Appreciation (%) — your call, not derived from the thin data so far

Time Invested—

Return on Investment to Date—

Carrying Value (Net Worth Contribution)—

Projected Terminal Value at Horizon—

🍺 Inglewood Public

Total Invested (AUD)

Invested Since

Ownership Stake (%) — partnership structure

Returns / Distributions to Date (AUD)

Expected Annual Appreciation (%) — your call, not derived from the thin data so far

Time Invested—

Return on Investment to Date—

Carrying Value (Net Worth Contribution)—

Projected Terminal Value at Horizon—

🤝 Loan to Jaydeep — 0% Interest

A receivable, not equity — this is money owed back to you, tracked separately from the two business stakes above.

Principal Lent (AUD)

Interest Rate (%)

Repaid to Date (AUD)

Outstanding Balance Owed to You—

Total Hospitality + Loan Asset Value—

— combined returns received to date (informational, already in your cash)—

Total Projected at Horizon—

📈 Dynamic Macro Progress Timeline

Compounded systemic growth, offset trajectories, integrated net-worth including India, Morbi, and precious metals appreciation.

Horizon	Offset Bal	Residual Debt	Platform Pool	Super Pool	🇮🇳 India	🥇 Metals	Est Net Worth