Your Personal Financial Statements Your Personal Financial Statements
Companies run on a profit-and-loss statement and a balance sheet. Your household deserves the same. Ginini turns your accounts, investments, super and property into a single living set of financial statements — then surfaces the issues and opportunities that can fast-track your wealth, and builds your financial acumen as you go.
Our Philosophy
Most people never see their finances the way a business sees itself — as a profit-and-loss statement and a balance sheet. Ginini gives you both, kept current and read in plain language, so every decision is made with clarity rather than guesswork. The more you use it, the sharper your financial acumen becomes.
I.
Sovereignty
Your holdings and balances stay on your device. No accounts, no telemetry, no online storage of your data.
II.
Composure
A deliberate interface that reduces noise. Every number earns its place; nothing is included to impress.
III.
Acumen
Beyond tracking — Ginini explains the tax, drawdown and freedom-date implications of each move, so you learn the levers that actually fast-track wealth.
Financial Statements, For You
A living balance sheet and P&L, a complete investment ledger, a retirement path and an Australian tax view — the disciplines of a private wealth office, sized for one household.
Balance Sheet & P&L
Shares, super, property and cash on one side; loans and liabilities on the other — netted to a single net-worth figure and a monthly income-vs-expenses statement. Roll forward each month, record a point-in-time snapshot, and watch your actual track record build against the forecast.
The Investment Ledger
An ACB-grade engine consolidates every trade, brokerage cost and FX movement into one source of truth, with Australian and international holdings side by side. Dividends flow through franking, foreign tax credits and currency conversion automatically — so income is never a mystery.
The Retirement Planner
Project portfolio, super, cash, and rental income across the bridge, super, and pension phases. Watch the freedom date move in real time as you adjust contributions, yields, and target income.
Tax Strategy
Stage 3 brackets, LITO offset, Medicare levy, transfer balance cap, franking, and means-tested Age Pension — modelled together, year by year, so nothing arrives as a surprise.
Ginini reads your statements and surfaces the issues and opportunities that fast-track wealth: concentration risk, the cash arriving next, what each decision does to your future, and the tax you can plan for rather than discover.
Yield Heatmap · Sector
12-month view
Interactive Yield Heatmaps
A composed grid view of yield and performance by sector and currency. Hover any cell to surface contributions — and adjust allocation with the conviction that comes from clarity.
Projected Income · Next 12 Months
Projected Income Calendar
A sleek timeline of every projected distribution — frequency, currency, and tax treatment baked in. The composure of knowing what's arriving, and precisely when.
Net Worth · Actual vs Forecast
Track Record & What-If
Each month your real net worth is recorded and drawn against the forecast, so you can see at a glance whether you're tracking ahead or behind. Then test a change — contributions, yields, retirement age, drawdown — and watch the ten-year arc and freedom date recalculate instantly.
Tax Summary · FY 2025-26
Franking Credits
$3,847
Foreign Tax
$1,290
Capital Gains
$12,402
Net Tax
$8,176
Consolidated Tax Reporting
Franking credits, foreign tax offsets, capital gains, household splits — exported as a single, well-composed summary. Hand it to your accountant or upload to the ATO with quiet confidence.
A Private Partnership
Ginini was built for an investor who measures privacy in absolutes. No accounts to create. Your holdings, balances and figures stay on your device — only ticker symbols are sent, through a private proxy, to fetch market prices. No analytics, no telemetry, no online storage of your data. You hold your wealth — we simply give you the instruments to architect it.
Offline-Capable
Install once and review your data without a connection. Every calculation runs in your browser; only market-price lookups go online.
No Login Required
No identity, no inbox, no password to lose. Your dashboard recognises you because it lives with you.
Portable Sovereignty
Export your records to JSON or CSV at any moment. Your data follows you, not the other way round.
Currently in Beta
Ginini is an active beta — there's no subscription, no card and no sign-up. Open the dashboard and start building your statements today. It's developed in tight, iterative cycles, so calculations and features are refined continuously. Treat the numbers as a well-built estimate, verify anything material against your own records, and expect it to keep getting sharper.
Free While in Beta
Every module, report and projection — open from the first click. No subscription, no card, no account.
Iterating in the Open
Tax rules, engines and features are updated in continuous cycles. The tool you open next month will be sharper than today's.
Your Records, Forever
Everything stays on your device — export to JSON or CSV any time. Updates never touch the data you've entered.
Educational tool only — Ginini is not financial, tax or investment advice. It models Australian rules to help you understand your position and ask better questions. Always confirm against official records and consult a licensed professional before acting.