Smart Allocations

Settlement waterfall — funds locked before they can be spent freely

PAYE

Sole Trader

Hospitality

Allied Health

E-commerce

Employer

Alex Chen·PAYE Professional·Salary in · PAYG withheld at source · Super locked at payroll

Settled via NPP rail · Ring-fenced through Monoova trust account

Live

2 high-severity anomalies detected

Unexpected transactions may reduce available balance. Affected buckets are flagged below.

Gross Income

$0

2026-09 total received

Total Locked

$0

0.0% of income · structurally unavailable

Available Balance

$0

After all obligations met

15

/ 100

Financial Health Score

POOR

Tax compliance · SG · Cash stability · 3-month trailing

Lending eligibility pending — improve tax & SG compliance to qualify

No income transactions found for 2026-09. Try selecting an earlier month — synthetic data covers the past 12 months.

Settlement Waterfall

Priority order ↓
🏦
Loan Repayment
Priority 1
Empty
$0
no target set
No income recorded this period
🏛️
ATO / Tax
Priority 2
Empty
$0
no target set
No income recorded this period
💼
Superannuation
Priority 3
Empty
$0
no target set
No income recorded this period
⚡
Fixed Obligations
Priority 4
Empty
$0
no target set
No income recorded this period
💰
Savings
Priority 5
Empty
$0
no target set
No income recorded this period
💳
Available Balance
Priority 6
3Empty
$0
no target set
JB Hi-FiAlmost 3.5× your typical JB Hi-Fi purchase — worth a quick check.amount spike · A$984
The Good Guys10× your typical electronics spend — largest single purchase in 12 months.amount spike · A$6404
Amazon AUFirst transaction with this merchant at a higher-than-usual amount.new merchant · A$389
No income recorded this period
Smart Finance · AI Smart Finance Pty Ltd