| https://moneysmart.gov.au/ | Anchor | Skip to main content |
| https://moneysmart.gov.au/ | | home |
| https://moneysmart.gov.au/ | Anchor | Banking and budgeting |
| https://moneysmart.gov.au/banking | | Banking |
| /banking/savings-accounts | | Savings accounts |
| /banking/transaction-accounts-... | | Transaction accounts and debit cards |
| /banking/joint-accounts | | Joint accounts |
| /banking/direct-debits | | Direct debits |
| /banking/unauthorised-and-mist... | | Unauthorised and mistaken transactions |
| /banking/sending-money-overseas | | Sending money overseas |
| /budgeting | | Budgeting |
| /budgeting/how-to-do-a-budget | | How to do a budget |
| /budgeting/track-your-spending | | Track your spending |
| /budgeting/manage-the-cost-of-... | | Manage the cost of living |
| /budgeting/managing-on-a-low-i... | | Managing on a low income |
| /budgeting/managing-on-a-casua... | | Managing on a casual income |
| /budgeting/budget-planner | | Budget planner |
| /budgeting/compound-interest-c... | | Compound interest calculator |
| /budgeting/simple-money-manager | | Simple money manager |
| /budgeting/avoiding-sales-pres... | | Avoiding sales pressure |
| https://moneysmart.gov.au/saving | | Saving |
| /saving/savings-goals-calculator | | Savings goals calculator |
| /saving/compound-interest | | Compound interest |
| /saving/save-for-an-emergency-... | | Save for an emergency fund |
| /saving/simple-ways-to-save-money | | Simple ways to save money |
| /saving/term-deposits | | Term deposits |
| /saving/save-for-a-house-deposit | | Save for a house deposit |
| /work-and-tax | | Work and tax |
| /work-and-tax/gst-calculator | | GST calculator |
| /work-and-tax/income-tax-calcu... | | Income tax calculator |
| /work-and-tax/income-tax | | Income tax |
| /work-and-tax/lodging-a-tax-re... | | Lodging a tax return |
| /work-and-tax/salary-packaging | | Salary packaging |
| /work-and-tax/returning-to-wor... | | Returning to work after having a baby |
| /work-and-tax/losing-your-job | | Losing your job |
| /work-and-tax/self-employment | | Self-employment |
| /work-and-tax/choosing-an-acco... | | Choosing an accountant |
| /family-and-relationships | | Family and relationships |
| /family-and-relationships/rela... | | Relationships and money |
| /family-and-relationships/gett... | | Getting married |
| /family-and-relationships/havi... | | Having a baby |
| /family-and-relationships/teac... | | Teaching kids about money |
| /family-and-relationships/redu... | | Reducing back-to-school costs |
| /family-and-relationships/chea... | | Cheap school holidays |
| /family-and-relationships/gett... | | Getting divorced or separating |
| /family-and-relationships/divo... | | Divorce and separation financial checklist |
| /family-and-relationships/deal... | | Dealing with illness |
| /family-and-relationships/losi... | | Losing your partner |
| /family-and-relationships/gett... | | Getting a pet |
| https://moneysmart.gov.au/ | Anchor | Loans, credit and debt |
| https://moneysmart.gov.au/loans | | Loans |
| /loans/going-guarantor-on-a-loan | | Going guarantor on a loan |
| /loans/car-loans | | Car loans |
| /loans/loan-rejection | | Loan rejection |
| /loans/payday-loans | | Payday loans |
| /loans/no-interest-loans | | No interest loans |
| /loans/personal-loans | | Personal loans |
| /loans/personal-loan-calculator | | Personal loan calculator |
| /loans/payday-loan-calculator | | Payday loan calculator |
| /loans/moneysmart-cars-app | | Moneysmart cars app |
| /other-ways-to-borrow | | Other ways to borrow |
| /other-ways-to-borrow/buy-now-... | | Buy now pay later services |
| /other-ways-to-borrow/pay-adva... | | Pay advance services |
| /other-ways-to-borrow/interest... | | Interest-free deals |
| /other-ways-to-borrow/interest... | | Interest-free deal calculator |
| /other-ways-to-borrow/consumer... | | Consumer leases |
| /other-ways-to-borrow/rent-vs-... | | Rent vs buy calculator |
| /credit-cards | | Credit cards |
| /credit-cards/choosing-a-credi... | | Choosing a credit card |
| /credit-cards/pay-off-your-cre... | | Pay off your credit card |
| /credit-cards/credit-card-calc... | | Credit card calculator |
| /credit-cards/credit-card-bala... | | Credit card balance transfers |
| /credit-cards/cancel-a-credit-... | | Cancel a credit card |
| /home-loans | | Home loans |
| /home-loans/buying-a-house | | Buying a house |
| /home-loans/choosing-a-home-loan | | Choosing a home loan |
| /home-loans/mortgage-calculator | | Mortgage calculator |
| /home-loans/switching-home-loans | | Switching home loans |
| /home-loans/mortgage-switching... | | Mortgage switching calculator |
| /home-loans/using-a-mortgage-b... | | Using a mortgage broker |
| /home-loans/pay-off-your-mortg... | | Pay off your mortgage faster |
| /home-loans/problems-paying-yo... | | Problems paying your mortgage |
| /home-loans/interest-only-home... | | Interest-only home loans |
| /home-loans/interest-only-mort... | | Interest-only mortgage calculator |
| /managing-debt | | Managing debt |
| /managing-debt/get-debt-under-... | | Get debt under control |
| /managing-debt/urgent-help-wit... | | Urgent help with money |
| /managing-debt/financial-couns... | | Financial counselling |
| /managing-debt/financial-hardship | | Financial hardship |
| /managing-debt/problems-paying... | | Problems paying your bills and fines |
| /managing-debt/credit-scores-a... | | Credit scores and credit reports |
| /managing-debt/credit-repair | | Credit repair |
| /managing-debt/debt-consolidat... | | Debt consolidation and refinancing |
| /managing-debt/dealing-with-de... | | Dealing with debt collectors |
| /managing-debt/repossessed-car... | | Repossessed car or goods |
| /managing-debt/bankruptcy-and-... | | Bankruptcy and debt agreements |
| /managing-debt/free-legal-advice | | Free legal advice |
| /managing-debt/net-worth-calcu... | | Net worth calculator |
| https://moneysmart.gov.au/ | Anchor | Investing and planning |
| /how-to-invest | | How to invest |
| /how-to-invest/investor-toolkit | | Investor toolkit |
| /how-to-invest/develop-an-inve... | | Develop an investing plan |
| /how-to-invest/choose-your-inv... | | Choose your investments |
| /how-to-invest/diversification | | Diversification |
| /how-to-invest/investing-and-tax | | Investing and tax |
| /how-to-invest/borrowing-to-in... | | Borrowing to invest |
| /how-to-invest/keep-track-of-y... | | Keep track of your investments |
| /how-to-invest/environmental-s... | | Environmental Social Governance (ESG) investing |
| /financial-advice | | Financial advice |
| /financial-advice/financial-ad... | | Financial advisers register |
| /financial-advice/choosing-a-f... | | Choosing a financial adviser |
| /financial-advice/working-with... | | Working with a financial adviser |
| /financial-advice/financial-ad... | | Financial advice costs |
| /financial-advice/problems-wit... | | Problems with a financial adviser |
| https://moneysmart.gov.au/shares | | Shares |
| /shares/choosing-shares-to-buy | | Choosing shares to buy |
| /shares/how-to-buy-and-sell-sh... | | How to buy and sell shares |
| /shares/keeping-track-of-your-... | | Keeping track of your shares |
| /shares/employee-share-schemes | | Employee share schemes |
| /managed-funds-and-etfs | | Managed funds and ETFs |
| /managed-funds-and-etfs/manage... | | Managed funds fee calculator |
| /managed-funds-and-etfs/choosi... | | Choosing a managed fund |
| /managed-funds-and-etfs/exchan... | | Exchange traded funds (ETFs) |
| /managed-funds-and-etfs/hedge-... | | Hedge funds |
| /managed-funds-and-etfs/listed... | | Listed investment companies (LICs) |
| /managed-funds-and-etfs/peer-t... | | Peer to peer lending |
| /property-investment | | Property investment |
| /property-investment/property-... | | Property schemes |
| /property-investment/timeshares | | Timeshares |
| /property-investment/smsfs-and... | | SMSFs and property |
| /investments-paying-interest | | Investments paying interest |
| /investments-paying-interest/b... | | Bonds |
| /investments-paying-interest/d... | | Debentures, secured and unsecured notes |
| /investments-paying-interest/h... | | Hybrid securities and notes |
| /investment-warnings | | Investment warnings |
| /investment-warnings/binary-op... | | Binary options |
| /investment-warnings/company-d... | | Company director fraud |
| /investment-warnings/contracts... | | Contracts for difference (CFDs) |
| /investment-warnings/cryptocur... | | Cryptocurrencies |
| /investment-warnings/forex-tra... | | Forex trading |
| /investment-warnings/investmen... | | Investment seminars |
| /investment-warnings/insider-t... | | Insider trading |
| /investment-warnings/land-banking | | Land banking |
| https://moneysmart.gov.au/ | Anchor | Super and retirement |
| /how-super-works | | How super works |
| /how-super-works/choosing-a-su... | | Choosing a super fund |
| /how-super-works/types-of-supe... | | Types of super funds |
| /how-super-works/self-managed-... | | Self-managed super fund (SMSF) |
| /how-super-works/getting-your-... | | Getting your super |
| /how-super-works/find-lost-super | | Find lost super |
| /how-super-works/consolidating... | | Consolidating super funds |
| /how-super-works/tax-and-super | | Tax and super |
| /how-super-works/superannuatio... | | Superannuation calculator |
| /grow-your-super | | Grow your super |
| /grow-your-super/employer-cont... | | Employer contributions calculator |
| /grow-your-super/how-much-supe... | | How much super you need |
| /grow-your-super/super-contrib... | | Super contributions |
| /grow-your-super/super-for-sel... | | Super for self-employed people |
| /grow-your-super/super-investm... | | Super investment options |
| /grow-your-super/super-contrib... | | Super contributions optimiser |
| /grow-your-super/how-to-check-... | | How to check your super |
| /retirement-income | | Retirement income |
| /retirement-income/prepare-to-... | | Prepare to retire |
| /retirement-income/age-pension... | | Age Pension and government benefits |
| /retirement-income/super-and-p... | | Super and pension age calculator |
| /retirement-income/transition-... | | Transition to retirement |
| /retirement-income/retirement-... | | Retirement planner |
| /retirement-income/account-bas... | | Account-based pensions |
| /retirement-income/account-bas... | | Account-based pension calculator |
| /retirement-income/annuities | | Annuities |
| /retirement-income/super-lump-sum | | Super lump sum |
| /retirement-income/retirement-... | | Retirement income and tax |
| /retirement-income/downsizing-... | | Downsizing in retirement |
| /retirement-income/reverse-mor... | | Reverse mortgage and home equity release |
| /retirement-income/reverse-mor... | | Reverse mortgage calculator |
| /living-in-retirement | | Living in retirement |
| /living-in-retirement/your-mon... | | Your money in retirement |
| /living-in-retirement/aged-care | | Aged care |
| /living-in-retirement/your-hom... | | Your home in retirement |
| /living-in-retirement/wills-an... | | Wills and powers of attorney |
| /living-in-retirement/paying-f... | | Paying for your funeral |
| /living-in-retirement/supporti... | | Supporting older Australians |
| /living-in-retirement/financia... | | Financial abuse |
| /living-in-retirement/memory-l... | | Memory loss, dementia and your money |
| /living-in-retirement/elder-ca... | | Elder care and seniors support |
| https://moneysmart.gov.au/ | Anchor | Insurance |
| /how-life-insurance-works | | How life insurance works |
| /how-life-insurance-works/life... | | Life insurance calculator |
| /how-life-insurance-works/inco... | | Income protection insurance |
| /how-life-insurance-works/life... | | Life cover |
| /how-life-insurance-works/tota... | | Total and permanent disability (TPD) insurance |
| /how-life-insurance-works/insu... | | Insurance through super |
| /how-life-insurance-works/life... | | Life insurance claims comparison tool |
| /how-life-insurance-works/trau... | | Trauma insurance |
| /how-life-insurance-works/maki... | | Making a life insurance claim |
| /car-insurance | | Car insurance |
| /car-insurance/choosing-car-in... | | Choosing car insurance |
| /car-insurance/claiming-on-you... | | Claiming on your car insurance |
| /car-insurance/no-claim-bonus-... | | No claim bonus on car insurance |
| /car-insurance/add-on-car-insu... | | Add-on car insurance |
| /home-insurance | | Home insurance |
| /home-insurance/choosing-home-... | | Choosing home insurance |
| /home-insurance/contents-insur... | | Contents insurance |
| /home-insurance/storm-flood-an... | | Storm, flood and fire insurance |
| /home-insurance/how-to-make-a-... | | How to make a home insurance claim |
| /add-on-insurance | | Add-on insurance |
| /add-on-insurance/mobile-phone... | | Mobile phone, tablet and laptop insurance |
| /add-on-insurance/consumer-cre... | | Consumer credit insurance |
| /add-on-insurance/pet-insurance | | Pet insurance |
| /other-types-of-insurance | | Other types of insurance |
| /other-types-of-insurance/heal... | | Health insurance |
| /other-types-of-insurance/fune... | | Funeral insurance |
| /other-types-of-insurance/trav... | | Travel insurance |
| /dealing-with-natural-disasters | | Dealing with natural disasters |
| /dealing-with-natural-disaster... | | Preparing for a natural disaster |
| /dealing-with-natural-disaster... | | What to do after a natural disaster |
| /dealing-with-natural-disaster... | | Recovering from a natural disaster |
| https://moneysmart.gov.au/ | Anchor | Scams and online safety |
| /online-safety | | Online safety |
| /online-safety/protect-yoursel... | | Protect yourself from scams |
| /online-safety/online-shopping | | Online shopping |
| /online-safety/identity-theft | | Identity theft |
| /online-safety/using-compariso... | | Using comparison websites |
| /financial-scams | | Financial scams |
| /financial-scams/banking-and-c... | | Banking and credit scams |
| /financial-scams/crypto-scams | | Crypto scams |
| /financial-scams/imposter-bond... | | Imposter bond investment scams |
| /financial-scams/investment-scams | | Investment scams |
| /financial-scams/ponzi-schemes | | Ponzi schemes |
| /financial-scams/superannuatio... | | Superannuation scams |
| /check-and-report-scams | | Check and report scams |
| /check-and-report-scams/report... | | Report an investment scam |
| /check-and-report-scams/check-... | | Check before you invest |
| /check-and-report-scams/invest... | | Investor alert list |
| /check-and-report-scams/what-t... | | What to do if you've been scammed |
| https://moneysmart.gov.au/ | Anchor | Community resources |
| /find-unclaimed-money | | Find unclaimed money |
| /find-unclaimed-money/claim-mo... | | Claim money from bank accounts and bank dividends |
| /find-unclaimed-money/money-he... | | Money held by state governments |
| /find-unclaimed-money/interest... | | Interest paid on unclaimed money |
| /find-unclaimed-money/asic-gaz... | | ASIC gazette |
| /find-unclaimed-money/claim-mo... | | Claim money from life insurance policies |
| /find-unclaimed-money/claim-mo... | | Claim money from shares and investments |
| /teaching | | Moneysmart for teachers |
| /teaching/lesson-plans | | Lesson plans |
| /teaching/teaching-consumer-an... | | Teaching consumer and financial literacy |
| /student-life-and-money | | Student life and money |
| /student-life-and-money/studying | | Studying |
| /student-life-and-money/moving... | | Moving out of home |
| /student-life-and-money/rental... | | Rental bonds and leases |
| /student-life-and-money/gettin... | | Getting a job |
| /student-life-and-money/credit... | | Credit and debt |
| /student-life-and-money/choosi... | | Choosing a mobile phone plan |
| /student-life-and-money/buying... | | Buying and running a car |
| /publications-and-resources | | Publications and resources |
| /publications-and-resources/pu... | | Publications |
| /publications-and-resources/mo... | | Money tips in other languages |
| /indigenous | | Indigenous |
| /indigenous/book-up | | Book up |
| /indigenous/dealing-with-famil... | | Dealing with family pressure about money |
| /indigenous/door-to-door-sales | | Door-to-door sales |
| /indigenous/managing-large-sum... | | Managing large sums of money |
| /indigenous/paying-for-funerals | | Paying for funerals |
| /indigenous/buying-a-hamper | | Buying a hamper |
| /indigenous/superannuation | | Superannuation |
| /indigenous/bank-accounts | | Bank accounts |
| /indigenous/cash-loans | | Cash loans |
| /about-us | | About us |
| /contact-us | | Contact us |
| /glossary | | Glossary |
| /media-centre | | Media centre |
| https://www.facebook.com/Money... | External Subdomain | Like MoneySmart on Facebook
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| https://twitter.com/moneysmart... | External | Follow MoneySmart on X (formerly Twitter)
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| https://www.youtube.com/user/M... | External Subdomain | Subscribe to MoneySmart on Youtube
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| https://www.instagram.com/mone... | External Subdomain | Follow MoneySmart on Instagram
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| /get-your-super-working-over-time | | Get your super working over time start here |
| /just-ask-your-lender-for-help | | Just ask your lender for help start here |
| /budgeting/manage-the-cost-of-... | | Practical steps to help you manage living costs and keep on top of bills start here |
| /indigenous | | Indigenous starter pack start here |
| https://moneysmart.gov.au/ | Anchor | Go to homepage menu |
| https://moneysmart.gov.au/ | Anchor | Homepage menu start here |
| /managing-debt/financial-couns... | | Financial counselling Free help to sort out your money |
| /managing-debt/urgent-help-wit... | | Urgent help with money If you’re struggling or in crisis |
| /saving/save-for-an-emergency-... | | Save for an emergency fund Be prepared for life’s surprises |
| /budgeting/managing-on-a-low-i... | | Managing on a low income Get the most out of your money |
| /managing-debt/problems-paying... | | Problems paying your bills Understand your options |
| /budgeting/how-to-do-a-budget | | How to do a budget Plan and manage your money |
| /managing-debt/get-debt-under-... | | Get debt under control Simple steps to get out of debt |
| /home-loans/pay-off-your-mortg... | | Pay off your mortgage faster Six steps to get ahead |
| /credit-cards/credit-card-calc... | | Credit card calculator See how to pay off your balance |
| /managing-debt/debt-consolidat... | | Debt consolidation Know the risks |
| /home-loans/switching-home-loans | | Switching home loans Weigh up the benefits and costs |
| /managing-debt | | Managing debt Take control of your money |
| https://moneysmart.gov.au/saving | | Saving Start a habit and reach your goals sooner |
| /grow-your-super | | Grow your super See how to boost your balance |
| /how-to-invest/develop-an-inve... | | Develop an investing plan Six steps to get ready to invest |
| /financial-advice | | Financial advice For when you need the professionals |
| /how-life-insurance-works | | Life insurance Financial security for you and your family |
| /retirement-income/retirement-... | | Retirement planner Estimate your income in retirement |
| /buying-a-house | | Buying a house Steps for first home buyers |
| /how-to-invest/investor-toolkit | | Investor toolkit Get across the essentials of investing |
| /how-to-invest/choose-your-inv... | | Choose your investments How to build a portfolio |
| https://moneysmart.gov.au/shares | | Shares How to buy and sell shares |
| /managed-funds-and-etfs | | Managed funds and ETFs Investing through professionals |
| /how-to-invest | | How to invest Plan, choose and track your investments |
| /budgeting/budget-planner | | Budget planner Prioritise where your money goes |
| /financial-advice/choosing-a-f... | | Choosing a financial adviser Find an adviser that suits your goals |
| /managing-debt/financial-couns... | Text duplicate | Financial counselling Free help to sort out your money |
| /how-super-works/superannuatio... | | Superannuation calculator Estimate what your balance will be |
| /find-unclaimed-money | | Unclaimed money Search lost shares, accounts and life insurance |
| /home-loans/mortgage-calculator | | Mortgage calculator Work out how much your repayments will be |
| /teaching | | About Moneysmart for teachersSupporting teachers to connect learning to life
A-TITLE About Moneysmart for teachers |
| /teaching/teaching-consumer-an... | | Teaching consumer and financial literacyA guide to creating lesson plans about money
A-TITLE Teaching consumer and financial literacy |
| /young-people-and-money | | Young people and moneyUnderstanding the financial lives of young Australians |
| /family-and-relationships/teac... | | Teaching kids about money A guide for parents and guardians
A-TITLE Teaching kids about money |
| /student-life-and-money | | Student life and money Take charge of your financial life |
| /teaching/lesson-plans | | Lesson plans Curriculum-aligned lesson plans in financial literacy
A-TITLE Lesson plans |
| https://moneysmart.gov.au/ | | IMG-ALT MoneySmart logo
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| /about-us | Text duplicate | About us
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| /contact-us | Text duplicate | Contact us
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| /glossary | Text duplicate | Glossary
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| /media-centre | Text duplicate | Media centre
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| /subscribe-to-our-newsletter | | Subscribe
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| /indigenous | Text duplicate | Indigenous
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| https://www.facebook.com/Money... | External Subdomain Text duplicate | Like MoneySmart on Facebook
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| https://twitter.com/moneysmart... | External Text duplicate | Follow MoneySmart on X (formerly Twitter)
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| https://www.youtube.com/user/M... | External Subdomain Text duplicate | Subscribe to MoneySmart on Youtube
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| https://www.instagram.com/mone... | External Subdomain Text duplicate | Follow MoneySmart on Instagram
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| https://asic.gov.au/ | External | IMG-ALT ASIC logo
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