Calculator | ForBothOfUs

RIGHT NOW

Today's numbers: where you both actually stand.

Primary caregiver's annual salary (before tax)

Gross, what's on the primary caregiver's contract

Primary earner's annual salary (before tax)

Gross, what's on the primary earner's contract

—

Primary caregiver's take-home, now

—

Primary earner's take-home, now

—

Combined, now

Now, let's look at what might happen.

CHOOSE YOUR GUARANTEE

Two decisions, made once, before anything's happened.

Choose how many years ahead to plan for, and how long you'd like Separation Income Guarantee to run

10 years Most couples choose 5–15 years

Who would you like to split the family income with, in the event of separation?

50%

Primary earner's sharePrimary caregiver's share

Primary caregiver 50% / Primary earner 50% Most couples choose 50/50

AT SEPARATION, IN 12 YEARS

Today's dollars, adjusted for inflation. Pre-tax income first, then what that actually becomes after tax: the maths, not just the ending point.

Primary caregiver

Without ForBothOfUs

—

take-home, per month

—

take-home, per year

Primary earner

Without ForBothOfUs

—

take-home, per month

—

take-home, per year

Primary caregiver

With ForBothOfUs

—

primary caregiver's share, per month

—

primary caregiver's share, per year

Primary earner

With ForBothOfUs

—

primary earner's share, per month

—

primary earner's share, per year

Total guarantee value over 10 years, with ForBothOfUs: —

Years 1–5: the average career interruption after having children, the primary caregiver's income is modelled at $0 during this period
Year 5 (re-entry): 57% of what a continuously-employed peer would be earning by then
Years 5–10: partial catch-up to 63% of peer income, the documented 10-year earnings differential, still growing, from a much smaller base
The primary earner's figure: continuous ~4.5% real growth for the entire period, no interruption, no catch-up needed, the same peer rate the primary caregiver's income is measured against

Estimate only, not financial or tax advice. A model built on the WGEA/McKinsey research cited throughout this site, not a guarantee. Based on FY2026-27 Australian resident tax rates plus the 2% Medicare levy.

Put your own numbers in. See your own gap.

Now, let's look at what might happen.