Tools that do the work for you

Built from real casework and Australian consumer law. No sign-up, no account, no cost.

Hardship Helper

Create a clear, professional hardship letter you can send to your provider, plus an action plan. Covers banks, energy, telcos, ATO, water, insurance, and BNPL.

Clear, professional letters tailored to each provider type
Your rights for each kind of debt, and the grants in your state
Escalation steps if your creditor says no
Crisis detection and safety referrals

Create your letters

Job Loss Action Plan

Answer a few questions, get a personalised step-by-step checklist covering Centrelink payments, Fair Work entitlements, creditor hardship rights, and state concessions.

Personalised to your state, income, and situation
Current payment rates and waiting periods
Fair Work redundancy entitlements
State-specific concessions and rebates

Build your plan

Rent Arrears Payment Plan

Behind on rent in NSW? Work out what you can pay back from your own numbers, then get the letter and the repayment plan agreement for your landlord or agent.

Amounts that fit what's left after rent and essentials; you choose
Every payment date, adding up to what you owe
The letter, the agreement, a follow-up and a reply if they want more
Nothing you type is sent anywhere

Make your plan

Financial Runway Calculator

How long will your money last? Enter your savings and monthly costs — get your runway in weeks, a severity assessment, and what to prioritise.

Calculates runway in weeks and months
Severity assessment (emergency to strategic)
Zero-date projection
Actionable next steps based on your window

Calculate your runway

More tools coming

We're building more free tools for Australians in financial difficulty. If there's something you need, let us know.

See also our Displacement Field Manual — a 90-day guide with interactive checklists, creditor scripts and calculators.

Running a small business under pressure? See TEKVA for Business — plain-English information on Director Penalty Notices, ATO debt, statutory demands, and closing the business.