Adding a property

Click + Add Property. Enter the name, estimated current value, mortgage balance, property type and lender. Add as many properties as you own — there is no limit.

Equity is automatic

MangoDesk calculates your equity (value minus mortgage) automatically. Every change instantly updates your net worth on the Dashboard.

Rental income & expenses

Enter estimated rental income and running costs (rates, water, maintenance, management fees) here. They automatically appear in Cashflow — no double entry needed.

Profit or loss

If rent exceeds costs it shows as profit in Cashflow. If costs are higher it shows as a loss. This tells you whether each property is performing financially.

Keeping figures current

Update the property value when you get a valuation and the mortgage balance from your latest statement. Dashboard net worth updates automatically each time.

About the figures

Expenses like water at $480/quarter are budget estimates — actual bills may differ. This is intentional. MangoDesk is a planning tool, not a bookkeeping system.

Adding a vehicle

Click + Add Vehicle. Enter the vehicle name, estimated current market value, finance owing (enter 0 if none), lender and monthly repayment. Add as many as you own.

Equity is automatic

Vehicle equity (value minus finance owing) is calculated automatically and added to your Dashboard net worth. Update values as the vehicle depreciates.

Repayments flow to Cashflow

Vehicle repayments automatically appear as an expense in Cashflow. You do not need to enter them there — they pull through from here automatically.

Keeping figures current

Update the vehicle value periodically — cars lose value over time. Update the finance balance from your latest loan statement to keep equity accurate.

Adding a policy

Click + Add Policy. Enter the policy name, provider, policy number, annual premium and renewal date. Add all your policies — home, contents, car, health, life, income protection.

Renewal alerts

Policies with a renewal date within 30 days automatically appear as alerts on your Dashboard. You will always know what is coming up before it lapses.

Updating policies

When you renew a policy, update the renewal date and premium. This keeps your alerts accurate and gives you an up to date record of all your cover.

What to include

Add every policy you hold — home and contents, car insurance, health insurance, life insurance, income protection, landlord insurance for investment properties.

Adding your fund

Enter your fund name, current balance and member number. If you have multiple funds add each one separately. The total feeds into your Dashboard net worth.

Retirement projections

Set your expected retirement age, planned annual drawdown, and inflation rate. MangoDesk projects your estimated balance year by year so you can see if your super will last.

Extra deposits & withdrawals

Add extra contribution lines (salary sacrifice, voluntary contributions) and lump sum withdrawals. Each line adjusts the projected balance so you can model different scenarios.

Inflation setting

Set an inflation rate to see how the real value of your super changes over time. Adjust this to model optimistic or conservative scenarios for your retirement planning.

Currency

You can change the currency display. If you do, check that all super figures still display correctly as currency changes may affect number formatting across the tab.

Keeping it current

Update your balance each time you receive a statement. Adjust your planned withdrawals and contributions as your life circumstances change. The projections update instantly.

Adding an asset

Click + Add Asset. Enter the asset name, broker or platform, current estimated value, and cost base (what you originally paid for it). Add each holding separately.

Capital gain tracking

The difference between current value and cost base shows your estimated capital gain or loss. This is for planning awareness only — not a tax calculation.

What to include

Add shares, ETFs, managed funds, crypto, term deposits, or any other investment asset. Anything with a value that contributes to your overall financial position.

Keeping figures current

Update values regularly — especially shares which change daily. Even a rough monthly update keeps your net worth picture reasonably accurate.

Adding income

Add your wage, salary, or any other income that does not come from a property or vehicle. Enter the amount and frequency. Rental income from properties pulls in automatically — do not add it again.

Property profit & loss

Each property's rental income minus its expenses shows as either a profit or a loss in Cashflow. If a property costs more to run than it earns it shows as a loss — this is pulled in automatically from the Properties tab.

Vehicle repayments

Vehicle loan repayments appear here automatically from the Vehicles tab. You do not need to enter them manually — they are already accounted for.

Adding expenses

Add any other regular living expenses — groceries, utilities, subscriptions, school fees, entertainment. Enter an estimated annual or monthly amount for each.

Net profit or loss

After all income and expenses MangoDesk shows your estimated net profit or loss for the year. This tells you what your financial year will look like before it happens.

Updating through the year

Update figures as your situation changes — pay rises, new expenses, property changes. The annual picture updates instantly so you always have a current view.

Adding a bill

Click + Add Bill. Enter the bill name, provider, amount, how often it is due (weekly, monthly, quarterly, annually) and the next due date.

Dashboard alerts

Bills due soon automatically appear as alerts on your Dashboard home screen. You will always know what is coming up before you get caught out.

What to add

Add electricity, gas, water, rates, phone, internet, streaming services, gym memberships — anything that arrives periodically and needs to be paid.

Marking as paid

When you pay a bill, mark it as paid and update the next due date. This clears the Dashboard alert and keeps your reminder list accurate going forward.

Adding a creditor

Click + Add Creditor. Enter who you owe, the current balance, interest rate, minimum monthly repayment and due date. Add every debt you hold.

Affects your net worth

The total of all creditor balances is automatically deducted from your net worth on the Dashboard. This gives you an honest picture of your real financial position.

What to include

Credit cards, personal loans, car loans not in Vehicles, buy now pay later balances (Afterpay, Zip), money owed to family or friends — any debt you are responsible for.

Paying off debt

Update the balance as you pay it down. When a debt is fully cleared, mark it as paid off or delete the entry. Your net worth will improve automatically as balances reduce.

How to use it

Each week has a row where you can enter payments, bills and savings for that week. Update it as bills arrive and payments are made — change figures any time.

Ticking off weeks

Tick off each week as you complete it to track your progress through the year. A great way to stay motivated and see how far through your annual budget you are.

Savings challenge

Perfect for the popular 52 week savings challenge — saving an increasing amount each week. Set your target for each week and watch your savings build over the year.

Planning ahead

Use it to plan for big upcoming expenses — car registration, rates, school fees, holidays. Spread them across the weeks so you can see what is coming and budget accordingly.

How to use it

Just click into the notepad and start typing. It saves automatically as you type — there is no save button needed. Your notes are stored privately with your data.

What to use it for

Financial goals, things to follow up, reminders to call your bank or broker, notes from meetings with your accountant, ideas for paying down debt faster. Anything useful.

Private & standalone

Your notes are private and saved with your MangoDesk data. Nothing in the Notepad connects to or affects any other tab or calculation in the dashboard.

How to use it

Enter the loan amount, interest rate and loan term. MangoDesk instantly calculates your monthly repayment and shows a full breakdown of principal versus interest over the life of the loan.

Comparing scenarios

Change the loan amount, rate or term to compare different scenarios. See how a higher repayment cuts years off the loan, or how a rate change affects what you pay each month.

Extra repayments

Try increasing your repayment amount to see how many years you can cut off the loan and how much interest you save. Even small extra payments make a significant difference over time.

When to use it

Before taking out a new mortgage, car loan or personal loan. Use it to make sure repayments are affordable before you commit — then add the repayment to Cashflow if you proceed.