N — Navigate
Your Future Formula
We take your position, income, spending and Future You goals, then work backwards from five years to a number you can actually act on.
=MiNT(MEASURE, IMAGINE, NAVIGATE, TRANSFORM)
Total intentions
$170,000
$34,400 funded · $135,600 to go by August 2031
=FUTURE(Goals, Current) ÷ Time
Annual pathway
$27,120
Monthly pathway
$2,260
Fortnightly
$1,043
Weekly
$522
Illustrative planning figures. No investment return is guaranteed and this is not financial advice.
This formula needs another ingredient.
Your current monthly surplus is around $1,147 and the pathway asks for $2,260. Nothing is impossible — it just needs a different mix.
- more time
- a lower target
- higher income
- reduced spending
- an additional income stream
- investment growth
- a different property target
- a shared contribution
Formula builder
Every goal becomes a formula, and every formula becomes a number per month.
- Wealth & FreedomIn Progress
First home deposit
=HOME(CurrentSavings, RegularSaving, Time)
- Goal
- $100,000
- Current
- $24,000
- Gap
- $76,000
August 2031 · suggested pathway $1,267 per month
- Wealth & FreedomIn Progress
Emergency reserve
=CALM(Reserve ÷ MonthlyCost)
- Goal
- $20,000
- Current
- $3,000
- Gap
- $17,000
February 2029 · suggested pathway $567 per month
- Self & ExperiencePlanned
Two long trips
=EXPERIENCE(Time, Savings, Courage)
- Goal
- $15,000
- Current
- $2,100
- Gap
- $12,900
April 2030 · suggested pathway $293 per month
- Wealth & FreedomIn Progress
Investment portfolio
=WEALTH(Income, Spending, Investing, Time)
- Goal
- $30,000
- Current
- $4,500
- Gap
- $25,500
August 2031 · suggested pathway $425 per month
- Purpose & ContributionExploring
Professional development
=PURPOSE(Skills, Contribution, Courage)
- Goal
- $5,000
- Current
- $800
- Gap
- $4,200
June 2028 · suggested pathway $191 per month
- People & PlaceDream
A home full of people
=BELONGING(People, Place, Time)
No money needed — this one runs on time, attention and a few reminders.
What if…
Tick a few variables and watch the formula change.
- Delay the property targetno delay
With these changes
$522
per week towards Future You
Monthly$2,260
Remaining gap$135,600
Timeframe60 months
A good formula changes when the variables change.
Pay your future self first
Future You gets paid too.
Decide where money goes the moment it arrives. These groups are yours to rename and re-weight — they're a structure, not a recommendation, and MiNT doesn't point you at any particular product.
BILLS
45% · $3,188/moRecurring and committed expenses.
LIFE
30% · $2,125/moDay-to-day flexible spending.
FUTURE
15% · $1,063/moGoals, reserve and upcoming priorities.
WEALTH
10% · $708/moLong-term saving and investing.
Your income is fully allocated.
Stage 3 of 4 · NAVIGATE