Don't wait for the shock
How financially shockproof are you?
Discover how unexpected events like job loss, rising interest rates or large unplanned expenses could affect your finances.
Understand how resilient your household is and explore what you could do to be better prepared.
Free · No sign-up · Calculated in your browser
Example: 6-month job loss
Projected cash over 12 months
Illustrative household: $12,000 starting cash · $7,600 monthly take-home. Lines show projected cash balances.
What if life throws you a financial shock?
Explore how four real-world financial shocks could affect your household finances.
Job loss
Could your finances cope if your main income suddenly stopped?
Interest rate rise
What happens to your cash flow if mortgage or loan repayments increase?
Unexpected expense
Could you absorb a large, unplanned bill without running short of cash?
Economic recession
How would reduced income, higher living costs and falling investment values affect you?
Free: unlimited individual simulations across all four shocks, no sign-up. Pro: personal resilience scores and all four shocks compared side by side. Illustrative scenarios — not predictions.
Three simple steps. About three minutes.
- 01
Tell us about your finances
Enter your income, expenses, savings and other financial details.
- 02
Choose a financial shock
Select a scenario and adjust it to reflect what you want to explore.
- 03
Discover how resilient your finances are
See how your money could be affected and where you might face financial difficulties.
Start free. Explore more with Pro.
Free
Financial Health Check
- ✓ Unlimited simulations of job loss, interest rate rise, unexpected expense and economic recession
- ✓ Simplified 12-month cash projections
- ✓ Approximate financial runway
- ✓ Potential cash shortfalls
- ✓ No account needed
A$19.95 · one-time payment
ShockProof Pro
- ✓ Everything in Free
- ✓ Personal numerical resilience scores (0–100) and classifications
- ✓ Exact runway, lowest cash & shortfall detail
- ✓ Compare job loss, interest rate rise, unexpected expense and economic recession side by side
- ✓ Projections up to 60 months
- ✓ “What Could Change?” simulator
- ✓ Month-by-month breakdown
- ✓ Downloadable PDF reports
Your numbers stay on your device
ShockProof doesn't store your financial data.
Your financial information stays private. All calculations happen in your browser, without sending your financial figures to our servers or analytics tools. Read our privacy approach