Free tools that do the work for you

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

Not sure where to start?

Take the 90-second Displacement Navigator

Answer 5 questions, get a personalised action plan for your specific situation.

Hardship Helper

Generate personalised hardship letters that cite the exact laws protecting you. Covers banks, energy, telcos, ATO, water, insurance, and BNPL.

Letters citing specific legislation (NCCP, Energy Retail Code, TCP Code)
Priority bills triage — what to pay first and why
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 21-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

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 complete 90-day recovery guide with interactive checklists, creditor scripts, and AI-powered 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.