See where your household actually stands.

Yezimali is one file you open in your browser. It builds your budget, your balance sheet, your payslips and a twenty‑year forecast — and it does the one thing a bank app never does. It tells you what a decision costs before you make it.

A worked example from the Kelly family, one of the two teaching case studies. Your own page looks like this within about ten minutes of opening the file.

Your figures never leave your computer

There is no account to create, no bank login, no subscription and no server. The file makes no network request of any kind — you can disconnect from the internet and it works exactly the same. Your backups are files in your own Downloads folder.

That is unusual enough to be worth saying plainly: nobody, including us, can see what you put into it.

How to get it

Yezimali comes with a facilitated session rather than as a download — the file shows you what a decision costs, and the session is where you work out what order to do things in. How to get access.

The Household Handbook is free to read here, with no session and no sign-up: fifteen chapters on budgeting, debt, scams, retirement and wills.

What it is for

• Households working out where the money goes, what the year really costs, and whether the plan survives twenty years.
• Families with children — there is a separate tab for pocket money, chores, four jars and savings goals.
• People approaching or in retirement — drawdowns, defined benefit pensions and an Age Pension estimate on current settings.
• Facilitators and workplaces running sessions, with two worked case studies and a printed workbook.