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Single parent · doing it solo

The $124,327 cliff.
The bits no one warns you about, calmly tracked.

FTB-B drops a cliff at $124,327 of income. Earn a dollar over that and the whole payment vanishes — supplement too. Most calculators don’t warn you. NestWise does, and watches the drift across the year so a small pay rise doesn’t cost you thousands.

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Free FTB, CCS + CS calcs · 2026-27 rates · CA founder · private to you
The bits no one warns you about

Calmly mapped, source-cited

FTB Part B — the $124,327 cliff
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It's a cliff, not a taper. $124,327 of income gets you full Part B. A dollar over and the whole payment drops to zero — supplement too. We watch your projected income across the year so you see the line before you cross it.
Child Support drift watching
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Assessments are based on a snapshot of income. When yours changes — or theirs does — the payable amount drifts. Upload your CS notice and we flag the gap vs your current income so you can apply for a Change of Assessment when it matters.
Parenting Payment Single
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The means-tested payment most calculators ignore. We surface eligibility, current rates, and the work-test threshold so you see what you may be entitled to.
Separation hub — court orders, mediation, legal docs
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A quiet place for everything around an ongoing matter. Filing cabinet, court date tracker, inbox for Centrelink/CS/legal letters. Private to you — no shared calendar, no co-parent invite.
How NestWise is built for this
  • Private to you. Your account is your account. No shared calendar, no co-parent invite, no notification to anyone but you.
  • Cliff-aware calcs. FTB-B, parenting payment, CCS — anything with a cap or a taper, we surface the line so a small pay rise doesn’t blindside you.
  • Drift detection. Income changes, CS assessment drift, fee changes — the watching layer flags them quietly, before they become a problem.
  • Calm copy throughout. No "you should switch", no "you should claim". We show the data and let you decide.

Two minutes to set up. Quiet from there.

Free to create. FTB / CS / Parenting Payment calcs are all on the free tier. Paid tier adds CS assessment scanning, expense tracker, separation hub + the cabinet for legal docs.

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Founding-member pricing while available

Not legal advice. Not financial advice. For specific guidance on your matter speak with a family lawyer (Legal Aid in your state if cost is a factor) or a financial counsellor (the National Debt Helpline is free).