Calm in June
Your pay, the sacrifice, the tax the fund takes and the repayment income once super is counted back in, all on one screen. Whatever lands in July is a number you chose in March.
Aether Asset - for people who would rather check
Know Before It Costs You
The 15% inside super. The HECS bill after salary sacrifice. The top-up the fund books to the wrong year. See, in dollars, what this year's move really costs or saves before it happens, and make June boring.
Pre-launch. One email when it opens. No adviser, no product, no percent of anything.
- The bill, before it exists.
- Every figure beside its ATO rule.
- Allowed to say: you're fine, do nothing.
What you end up with
The steps in the order that works
Paid in, receipted, notice acknowledged, then lodge. Plain words, with the dates, so a form's wording never costs you the deduction.
A sense check that can say stop
Sometimes the right answer is: change nothing. You will get that answer when it is true. Nothing to switch to, nothing to buy, no ongoing percent.
Where this shows up
Three moments this is built for.
Payday, new job
You tick the HECS box knowing what it does to your take-home, and set aside the exact amount that would otherwise arrive as a bill.
The last fortnight of June
You see the unused cap, the carry-forward year and the receipt date in one place, and give payroll a figure that afternoon instead of promising yourself a spreadsheet on Sunday.
The adviser quote
Someone wants thousands for a document. You already know whether your situation needs one, and you can say why.
One honest sentence about how
Aether Asset takes your real figures and the current Australian rules, and shows each result next to the ATO or fund rule it comes from, so you can check the working yourself.
It is general information, not personal advice. It does not know your whole situation, it will not recommend a product, and it never promises a result.
Who is building it
Aether Asset is built by Tristan Berry, a senior AI engineer who spent his career inside a major Australian bank building systems that had to be right to the cent, and who watched friends get milked for a percent of balances that never needed managing.
Tristan Berry, founder
Fair questions
Another calculator that invents a flattering saving?
The same inputs you would give a pay calculator, then the lines they skip: the 15% the fund keeps from every dollar you put in, and the HELP figure once your sacrificed super is put back on top. Each figure links to the rule it came from.
Is this a pitch for a fund or a wrap?
No. It gives you the figure and the rule behind it, then stops. No fund gets recommended, no ongoing relationship gets priced, and nobody takes a percent of anything.
I have a spreadsheet, myGov and the ATO site. Why this?
Because with those you model it twice and still miss the trap where two rules meet. This meets you at the trap and names it.
Is it personal advice?
No. General information, marked as such, for you to check against your own situation. Nothing here is a recommendation.
What about my data?
Read-only, by design. Nothing here can move money, and you never hand over a bank password.
Make June boring.
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