Make sense of money.
Free, interactive tools and plain-language explainers that show how money actually works — without the jargon, the upselling, or the asterisks.
Free · No sign-up · No tracking
Behind Capibrain
A one-person project, open to everyone.
Capibrain started as a one-person project, built on a simple belief: people do better when they understand money for themselves — rather than being told what to do with it.
It's especially for younger people, who are meeting cost-of-living pressures earlier and harder than the generations before them. The sooner these ideas make sense, the better the decisions that follow.
It's an open work in progress. If you've got an idea, a correction, or something genuinely useful to share, I'd love to hear it — and I'm glad to point people toward anything that helps.
An honest approach
A different kind of money tool.
Plenty of finance "help" is really there to sell you something, track you, or steer you toward a product. Capibrain is the opposite — every figure comes from official sources like the ATO, RBA and ABS, explained in plain language you can check for yourself. Nothing you do here is followed, saved, or sold.
The toolkit
Pick a money question, and poke at it.
Mortgage
LiveOffsets, extra repayments and rate changes — and what they really do over a whole loan.
Salary
LiveWhere each dollar of pay goes — tax, super, take-home — and what a rise really changes.
Savings & investing
LiveSet a goal, project your super, and see what compounding does over time.
Chart studio
LiveAustralia's rates, prices, wages and debt, side by side — see how they move together.
Kids' fund
LiveWhat a small monthly amount could grow into by the time a child turns 18.
Learn
BetaShort, plain-language explainers — each with a sandbox to try it yourself.
Two ways in
Free for you — open to organisations.
For everyone
Make sense of your own money.
Every tool and explainer is free, needs no sign-up, and tracks nothing. Pick whatever question is on your mind — your mortgage, your pay, your savings — and poke at it.
Open the platformFor organisations
Back an honest approach to money.
Capibrain is independent, privacy-first, and built on official figures anyone can check. If your organisation wants to help more people make sense of money — by supporting the work, or putting these tools in front of the people you serve — I'd love to talk about what that could look like.
Start a conversation