Exposure

Big update to Exposure this month. Here is what is new: Multi-country tax engine. Full US federal tax bracket calculations with FICA, Medicare, and standard deductions. Australian tax brackets with Medicare levy. Switch between countries and see your after-tax income update instantly. Investment property analysis. Track rental income, mortgage interest deductions, and property expenses. For US users: 27.5-year depreciation calculations, passive loss limitations with MAGI phaseout rules, and an editable land value percentage. For Australian users: full negative gearing support flowing into your tax estimate. Mortgage stress testing across multiple properties. If you have two mortgages, the stress test now models rate rises on both simultaneously. Dynamic breaking point calculation shows exactly when your cash flow turns negative, with a "What if you cut spending" tool showing how expense reductions shift your breaking point. True portfolio exposure. See through your ETFs to the actual stocks you own. If you hold NDQ and IVV, we show your real NVDA exposure is 11.8% not just the 8.4% you entered. Hidden overlap detection across all your funds with full sector breakdown. Margin loan and offset account support on the debts and assets tabs. HECS-HELP integration. Enter your balance and we automatically calculate your mandatory repayment based on ATO brackets, flowing it into all cash flow and stress test calculations. Plus: dividend income projections, display currency conversion across 10 currencies, CSV/PDF portfolio import, and an AI-generated Risk Brief you can download as a PDF. More coming soon. Would love feedback on what you want to see next.