FREE WEALTH EDUCATION FOR AUSTRALIANS
Stop losing money to mistakes
most Aussies don't see coming.
Free, plain-English wealth education built for Australians.
No advisers. No hype.
See Ripper Wealth in action.
Free tools for everyday Australians
“A refreshingly clear and practical approach to understanding wealth creation. I found it easy to fol…”— Matthew G.
FREE TOOLS · NO SIGN-IN REQUIRED
Updated for Budget 2026-27
CGT rules changed. Negative gearing restricted. Our free calculators show you the before and after for your numbers.
See your money grow over time
PAYG vs super: see your tax gap
Rental cash flow, before and after budget
Investment property gains, new vs old rules
Shares, crypto, property, gold
All calculators are free and require no sign-in. Educational use only.
3 Money Mistakes
Most Aussies Don't See Coming
Each one quietly costs everyday Australians thousands.
We help you spot them — before they cost you.
A $40,000 new car costs you closer to $62,000 in 5 years — once interest and depreciation are counted.
Most Aussies look at the sticker price. They forget the loan interest (about $11,000 on a 5-year, 10% loan), the insurance (~$1,400/yr), and the depreciation (a $40k car drops to about $18k in 5 years). Add it up and a $40,000 decision costs you $62,000 — and you have an $18k car at the end of it.
Educational example. Based on a 5-yr loan at 10% p.a. plus typical depreciation and insurance. Your numbers will vary.
See the real costBuying near the cycle top means waiting years just to get your money back — but most people never check.
Historically, buying near the cycle top means waiting years just to get your money back. Anyone who bought Bitcoin at its November 2021 peak waited nearly 3 years. This happens every cycle. The signals are there if you know where to look — and we show you.
Past prices do not promise future prices. Educational example only.
See the live signalsSame $10,000. Same 20 years.
One path leaves you $112,000 behind.
Invest from your pay and the tax office takes 32.5% going in — plus capital gains tax when you sell. Salary-sacrifice the same amount into super and it only costs 15% going in — with zero CGT in pension phase. Over 20 years at 7% growth, that's a $112,000 difference.
Educational example. 20-yr scenario, 7% p.a. growth, $10k/yr salary-sacrifice. Actual outcome depends on ATO rules, super caps, and your tax bracket.
See the full breakdownSpot the mistakes before they cost you.
Free to start. No credit card.
YOUR PERSONALISED JOURNEY
Your personalised journey —
in two minutes flat
Answer a few quick questions.
We lay out your next lessons — based on goals and pace.
- 1
Complete a 2-minute profile.
Tell us where you're starting from —
and what you want to learn next. - 2
Get your lessons — lined up for you.
Foundations, Wealth Cycles, Australian Tax —
40+ lessons sequenced step by step. - 3
Track progress — see what unlocks next.
We remember where you stopped —
and point you to your next bite-sized step.
BUILT BY AN AUSSIE INVESTOR
Meet Adrian
“Educate everyday Australians to grow and protect their wealth, without handing it over.”
Ripper Wealth mission
I have been investing through multiple market cycles for over 15 years. I have made the mistakes on this page and learned from them.
I built Ripper Wealth because I could not find a place that taught Australian investors how markets actually work, in plain English, without selling products or advice.
More about Ripper Wealth →G'Day from Adrian
A quick hello from the bloke behind Ripper Wealth
“A refreshingly clear and practical approach to understanding wealth creation. I found it easy to follow and genuinely useful.”
Matthew G.
Google Review
“A rare platform that transparently shares and opens doors for those that want to educate and inform themselves — without being sold to.”
Sushiv M.
Google Review
“Great platform for people who want to learn investment properly without being pushed into products and decisions. Especially good for beginners and DIY investors.”
Nhut N.
Google Review
WHAT YOU GET
Most Things Are Free.
Forever.
Everything below is included in your free account.
AI analysis runs use optional credit packs. No subscription.
Free Account
Always free.
No card required.
- 40+ structured interactive lessons
- 5 Foundations modules: budget, goals, emergency fund, debt, compound interest
- 10+ Wealth Cycles modules, from core concepts to real market data and case studies
- 25+ Australian Tax lessons across PAYG, stocks, property, crypto, business
- Personalised learning path based on your profile
- Progress tracking and next-step suggestions
- Investing and Tax Glossary
- 6 free calculators — no sign-in, Budget 2026-27 updated
- Live Cycle Dashboard: asset pages, summary charts
No credit card. Takes 2 minutes.
Support Ripper Wealth
Ripper Wealth is free because Adrian funds it. If it helped you, here's how to keep it free for the next Australian.
- Tell someone who could use it
- Leave a Google review — helps others find us
- Donate — any amount helps with hosting costs
Prefer to browse first? Jump straight into Foundations, Wealth Cycles, or Tax 101.
THE PLATFORM
Everything You Need,
Nothing You Don't
Built for Aussies who want to understand wealth —
not outsource the thinking.
2-Minute Persona Quiz
Answer 5 quick questions.
Your path builds around goals, timeline, and experience.
Anyone asking
“Where do I start?”
AI Wealth Coach
Ask plain-English questions about investing — in Australia.
Answers with sources, not hype.
Investors who want a second opinion —
without booking a meeting
Live Cycle Dashboard
Where are markets sitting right now?
M2 liquidity, Fear & Greed index, Bitcoin halving — live.
Investors asking
“Which part of the cycle is this?”
Scenario Explorer
Run what-if comparisons.
CGT, super, structure — numbers before you decide.
Deciding whether to sell now —
or ride it out longer
Common Questions
Straight answers.
Plain English.
A lot. 40+ interactive lessons across Foundations, Wealth Cycles, and Australian Tax. Your personalised learning path. Progress tracking. 4 Australian calculators (CGT, franking credits, property, structure). Cycle dashboard basics. No credit card. No time limit.
No. Ripper Wealth is financial education only. We help you understand how things work, not tell you what to buy or sell. All decisions are yours. If you need personal advice, talk to a licensed financial adviser.
The AI Wealth Coach uses credits: 1 credit = 1 chat message, 4 = Scenario Explorer run, 6 = deep analysis. You get 15 free credits on signup and 10 more each quarter automatically. Need more? Top up with PAYG packs — from $10 for 20 credits.
Create a free account, answer 3 quick questions about your goals, and your personalised learning path appears. Takes about 2 minutes. No card needed.
Historically, our composite signals have identified major cycle tops and bottoms across 3+ complete cycles (2013–2025). Past performance does not guarantee future results. We publish our full methodology so you can verify it yourself.
Ripper Wealth is free and independent. If it's been useful, you can help by sharing it with a friend, leaving a Google review, or picking up a PAYG AI credit pack. Every bit helps keep the lights on.
Avoid costly mistakes. Start free.
No credit card.
Takes about 2 minutes to set up.
Have a question? Get in touch