Find your baseline before you budget.

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Is it time to check-in on how Government rules impact your family?

A lot happens in the space between your pay and your pocket. Before your money reaches your bank account, it is adjusted by complicated tax rules, Family Tax Benefits, student debt, youth allowance and health safety nets.

The Child Care Subsidy System applies to children up to 13, Family Tax Benefit to children up until year 12, and if you have students or apprentices in the family, their access to Youth Allowance depends on your household income and setup until they reach age 22.

As your situation changes over time, entitlemate provides an instant check-in to ensure you are covered. Let our logic do the heavy lifting so you can:

See exactly where you fit: Understand how the current government rules apply to your unique household.

Access the support built to help you: Spot shifting eligibility thresholds before they cost you your entitlements.

Maximise your safety nets: Make the most of Medicare, the PBS, and the safeguards available to you.

Instead of solving this massive equation yourself, your profile saves your baseline. Run a frictionless check-in whenever your life changes and get the answers right in the palm of your hand.

Free

· iPhone

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Free to use. No subscription. No credit card.

REAL SCENARIOS

See the family maths in action

We model real Australian household scenarios to see how government subsidies, tax brackets, and housing payments interact. Choose a family below to load their baseline numbers directly into the simulator.

LIFE TRANSITIONS

Is your family situation changing?

Family circumstances are rarely static. They shift constantly, and often rapidly. Whether it's a child reaching a new age milestone, a sudden change in your income range, or a shift in your household relationship, these life events instantly redefine your eligibility. Government systems are complex and index on their own timelines. entitlemate makes it simple to track your entitlements and manage your household cash flow in a private digital twin that evolves alongside your family.

Childcare & Vacation Care

Child Care Subsidy (CCS) & Activity Tests

Childcare is one of the largest costs a family faces. entitlemate estimates your exact Child Care Subsidy (CCS) percentage, models the Activity Test to find your subsidized hours, manages the 3-Day Guarantee, and handles pro-rata calculations if you use multiple centres. Plus, plan for school holiday spikes with Vacation Care cost estimates.

Under the Hood

CCS Engine Activity Test Auditor Multi-Centre Splitter Vacation Care Planner

Teenagers & Higher Education

HECS, Youth Allowance & Concessions

As children grow, their financial footprint changes. Compare future degree costs with our estimator, check eligibility for Youth Allowance as they enter study, and see how HECS/HELP debt indexation affects their future take-home pay. Plus, check if they qualify for a Low Income Health Care Card to access critical student concessions.

Under the Hood

Youth Allowance Checker HECS/HELP Indexer Degree Cost Estimator Health Card Service

Family Tax Benefit & Rent Assistance

FTB Part A, Part B & Housing Rules

Maximize your family's baseline support. Model Family Tax Benefit Part A and Part B simultaneously, including end-of-year supplements and indexation. Combine it with Commonwealth Rent Assistance rules, deeming thresholds, and Medicare Levy offsets to understand what you're owed down to the cent.

Under the Hood

FTB Part A & B Engine Rent Assistance Medicare Levy Offset

Adapting to Redundancy

Mitigating Job Loss & Income Drops

A job loss or drop in income is stressful, but it also alters your safety nets immediately. A lower income means your CCS subsidy percentage goes up and your Family Tax Benefit (FTB) increases. entitlemate lets you simulate income changes instantly so you can claim your new entitlements immediately, avoid overpayments, and stabilize your budget.

Under the Hood

Income Simulator CCS Taper Adjuster FTB Recalculator

Welcoming a New Baby

Paid Parental Leave (PPL) & Work Tests

Navigating the transition to parenthood shouldn't require a law degree. entitlemate models Paid Parental Leave (PPL), verifies if you pass the Work Test (including flexible rules), calculates your PPL Leave Bank, and shows you how taking time off work impacts your household tax brackets and future Parenting Payment eligibility.

Under the Hood

PPL Planner Work Test Checker Parenting Payment Tax Taper

Navigating Separation & Divorce

Child Support & Single-Parent Adjustments

Transitioning from a coupled to a single household completely changes your financial rules. entitlemate lets you privately model Child Support payments, calculates how split care percentages impact your Family Tax Benefit (FTB), and adjusts your Child Care Subsidy (CCS) to single-parent income thresholds, helping you find a stable path forward without exposing sensitive data.

Under the Hood

Child Support Engine FTB Taper Adjuster Single Income Test CCS Adjustments

"entitlemate is a smart information platform that helps Australians find and understand the entitlements, payments, services and rules based on their age, circumstances, and location."

The most important economy is the one at home

entitlemate helps families see how tax, child care, housing, payments and safety nets work together, so the big decisions feel less uncertain.

23 rules calculated simultaneously
  • Tax 4 rules

    Income tax, HECS repayments, Medicare Levy

  • Child care 5 rules

    CCS, Activity Test, the 3-Day Guarantee

  • Housing 4 rules

    Mortgage, Rate Sensitivity, First Home Buyer

  • Government payments 5 rules

    FTB, Parenting Payment, PPL, Child Support

  • Safety nets 4 rules

    PBS, CDBS, Medicare Safety Net, Health Care Card

HOW IT WORKS

All the rules.
All at once.

It's not until your whole system is understood that you can make confident decisions.

Every other calculator shows you one piece. entitlemate shows you the complete picture — from gross income to what's left after every rule has been applied.

Download on the App Store

Take control of your cashflow

Weekly Budget Baseline

Helping families understand the impact of all the rules and housing costs at the same time to establish their true cashflow baseline.

$2,115 -$288 -$38 -$865 +$788 +$38 +$77 -$673 $1,154 INCOME TAX MEDICARE CHILD CARE CCS SUBSIDY STATE FTB HOUSING REMAINDER

Your Baseline Outcome

After taxes, childcare fees, government subsidies, and housing payments are processed, this household is left with exactly $1,154 per week. This is their true baseline to cover all other living expenses—like food, bills, fuel, and savings.

entitlemate

Confident.
Organised.

When you can plan the impact of the rules, you can make better plans.

Download on the App Store
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Brendan Ryan Brendan Ryan

25 Years of Experience + New Technology

Up until now, the core of my work has been manually mapping pathways through endless government rules, thresholds, and changes. I envisioned a tool that could absorb this complexity, and by matching my experience with modern technology, I have finally built it.

When financial transitions enter the equation, families are often met with a wall of complexity that must be addressed; otherwise, entitlements are left on the table, wrong decisions are made, and stress levels escalate.

We now have the technology to solve the math and rule complexity, and the expertise to offer genuine clarity. I am excited to help families move through these transitions feeling confident and organized.

Brendan Ryan CFP®

FOUNDER, ENTITLEMATE