Auckland NZ · age 40 to 50
Financial future
BNZ $13.5k
Sharesies $17.4k
In-Tandem $80.9k
Obligation $67.0k
Renting
Scenario
Projected net worth at 50
$0
What happens each year
Net worth path
Final assets
Age 50 shape
Free cash
Annual before investing
Year table
One scenario only
| Age | Status | Net worth | Sharesies | In-Tandem | Housing | Obligation left | Free cash |
|---|
Current data
BNZ $13,532.28 · Sharesies $17,442.43 · In-Tandem $80,867.12 · rent $180/week all-inclusive · last-12-month net income $110,521.75 · child support $67,000 remaining.
Rule
All free cash goes into Sharesies. If cashflow goes negative, cash is used first, then Sharesies. Nothing unexpected is added.
Presets
Extra tabs are life-path stress tests for a divorced high-income Auckland immigrant profile: remarriage, blended household, Australia move, career reset, or faster obligation payoff.
Housing
OWN IT models count only the buyer share as property asset. Homestay is net income after extra household cost, not gross board.