Free for Australians. No catch.
Cycle-aware wealth education for everyday Australians. 40+ lessons, 6 calculators, live market dashboard, and AI Wealth Coach. Built in Brisbane, funded by Adrian.
Most Things Are Free. Forever.
No subscription required. AI analysis runs use optional credit packs.
Everything that's free today stays free. If we ever add paid offerings, they'll be new things — never a paywall on what you already use.
Free Account
$0 / forever
No credit card. No catch.
- 40+ wealth education lessons
- All 6 calculators (Budget 2026-27 updated)
- Live Cycle Dashboard
- Compare assets tool
- Personalised learning journey
- 15 AI credits on signup
- AI Wealth Coach (credit packs available)
Support Ripper Wealth
Ripper Wealth is free because Adrian funds it from his day job. 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 — optional, any amount helps with hosting
Subscriptions discontinued in May 2026. Founding supporters — thank you.
Good personal advice costs real money — advisers typically charge hundreds per hour. Ripper Wealth teaches you the foundations for free, so if you ever pay a professional, you arrive prepared and ask better questions.
AI credits are optional and only needed for the AI Wealth Coach. Visit Account → Credits to top up any time.
WHAT YOU GET
Full platform access, in one place
Cycle insights, AI tools, and Ripper Wealth's quarterly analysis in one place. AI answers use the cycle data and the numbers you enter.
Track where you stand in the cycle
Indicators (M2, percentile rank, Fear and Greed) come from the latest data we hold, so every scenario starts from the current cycle position.
Run scenarios with AU tax baked in
The AI Scenario Explorer factors CGT, the 12-month discount, super, and structure choice. No generic outputs.
What the Scenario Explorer shows
- Bear, base, and bull case projections with Australian CGT applied.
- You set the asset mix, starting amount and time horizon. The result is a range of outcomes, not a forecast.
Get Ripper Wealth's quarterly playbook
Macro snapshot, trigger dashboard, tax corner, and Ripper Wealth's portfolio moves this quarter and why. Delivered four times a year.
Ripper Wealth Quarterly
Macro Snapshot
Where are we in the global cycle? M2, RBA moves, and what it means.
Trigger Dashboard
Key indicator signals and extreme ratio opportunities this quarter.
Tax Corner
Quarterly AU tax tips, CGT dates, and structure reminders.
Ripper Wealth's Portfolio Moves
What Ripper Wealth changed this quarter, why, and what we're watching next.
Illustrative layout; member emails differ by quarter.
Ask your AI Wealth Coach
Cycle-aware chat grounded in the latest stored cycle data. Starter prompts include the macro-cycle question most members ask first. Each message uses 1 AI credit.
What an answer includes
- The live cycle indicators it used (M2, Fear and Greed, valuation readings) and the date they were loaded.
- Structured cycle readouts and tables, not generic chat.
- General education only. Answers are written without your saved financial profile.
Full Platform Access
Everything included — free for all Australians
Live Dashboard
Cycle indicators, M2, Fear & Greed
AI Scenario Explorer
What-if projections with AU tax
Quarterly Newsletter
Ripper Wealth's cycle analysis and trigger updates
Tax-Smart Tips (AU)
CGT, dates, structure insights
Action Plans
Quarterly checklists by cycle position
Community Q&A
Your questions answered each quarter
Education Library
Wealth Cycles, Methodology, Compare Assets
Portfolio Updates
Ripper Wealth's quarterly portfolio moves and rationale
AI Wealth Coach
Cycle-aware chat, uses AI credits
HOW ANSWERS ARE BUILT
A general chatbot recalls. Ripper looks it up.
Live cycle data, with a date
When you ask the AI Wealth Coach a question, it loads the current cycle indicators at that moment. The values it used (M2 money supply year on year, the Bitcoin cycle percentile, Fear & Greed, the Mayer Multiple and the Z-score) appear above the answer with the date they were loaded, and answers can link to the Ripper pages behind them.
Australian tax rules, from one rules module
Ripper's CGT, salary sacrifice, negative gearing and payslip (PAYG) calculators read their rules from a single module: the income tax brackets, super guarantee rate and concessional cap for each financial year, plus the 50% CGT discount for gains before 1 July 2027 and the 30% minimum tax from that date. The CGT, salary sacrifice and negative gearing calculators show the source and the date it was last checked.
Information, not advice
Answers are written without your saved financial profile; the model never receives it. Its instructions rule out telling you what to buy or sell, and an output check removes phrasing such as "buy now" or "I recommend". For advice about your own situation, it points you to a licensed financial adviser.
Illustrative description of the product. Not a screenshot, not a forecast, not personal advice.
THE DIFFERENCE
Why Ripper's AI ≠ a Generic Chatbot
Same question, different inputs. Here is what we bring to every simulation.
| Feature | Generic AI(ChatGPT, etc.) | Ripper Wealth AIPurpose-built for AU |
|---|---|---|
Historical market data | Frozen at training cutoff: no live price data and no asset-specific date ranges | 10,000+ signal records, each stored with its date S&P 5001871 → today · 150+ years · Shiller dataset Gold1968 → today · 55+ years · World Gold Council Silver1968 → today · 55+ years · LBMA / FRED BitcoinJan 2009 → today · Full history since genesis block ASX 2001992 → today · 30+ years · ASX / Refinitiv AU Residential2002 → today · CoreLogic / ABS national data |
AU tax rules | Generic, often imprecise: no jurisdiction-specific rules | CGT 12-month discount, SMSF contribution caps, franking credits, state stamp duty, aligned to current ATO rules |
Macro cycle context | None built in: answers ignore where we are in the cycle | M2 liquidity, Fear & Greed Index, and percentile rank across 50+ indicators, every simulation is cycle-positioned, not just time-weighted |
Your learning profile | Forgotten every session: starts from zero each conversation | Learning profile Goal, motivation, confidence level and learning style from the 2-minute profile quiz |
Scope | General-purpose: same answer for a student in Nebraska and an SMSF trustee in Queensland | AU wealth + tax only: narrow scope means deeper, more accurate answers for Australian investors |
Shows its working | Black box: no visibility into sources or reasoning | Every response links back to the lesson, dataset, and methodology behind it, you learn the framework, not just consume an answer |
Model freshness | Free tiers use older or smaller models, so you upgrade or pay more to access the flagship | Always runs Anthropic's current flagship Sonnet + Opus tier; we manage version upgrades so the cycle analysis, tax reasoning, and simulator commentary automatically improve as Claude advances |
Bottom line
A free chatbot can explain general concepts. A purpose-built AU tax and cycle engine can show what those concepts mean under current Australian tax rules and the present cycle position, backed by the latest stored data, current ATO rules, and transparent methodology. That is what turns generic output into a decision-grade education tool.
Educational tool: simulations are based on historical data and do not constitute personal financial advice. Past data does not guarantee future results.
What Our Members Say
Real feedback from Australian investors
"The concept keeps you on track and helps block out the noise. The holistic market analysis is useful. I wish I had it when I first got into investing."
Jamie T.
Australian investor • NSW
"Enabling users to download their data is a first I have seen, and loud and clear, not hiding behind small fonts. Also, love the light-hearted tonality used for the danger zone."
Sushiv M.
Australian investor • QLD
Built by an investor, for investors
Built by Ripper Wealth
I moved to Australia in 2010 and spent the next 15 years learning how wealth and markets actually work: through stocks, precious metals, crypto, property, and more than a few hard lessons. I couldn't find a platform that explained it all clearly in Australian context, so I built one. Ripper Wealth is that platform: education first, no conflicts, no black boxes.
- 10+ years studying wealth cycles and macro economics
- Personally invested using these principles since 2018
- Australian-based, Australian tax context
Frequently Asked Questions
Common questions about AI credits, tools, and how Ripper Wealth works
How it works
Plain-English definitions for the terms used above.
- Cycle Analysis / Wealth Cycles
- Recurring patterns in asset prices driven by liquidity, sentiment, and macro cycles. Used to position decisions, not predict tops or bottoms.
- Cycle-aware
- Decisions framed by where we sit in the cycle today, using indicators like M2 liquidity, percentile rank, and Fear and Greed.
- AI Credits
- The unit you spend on AI features. 1 credit = 1 chat message; 4 = Scenario Explorer run; 6 = deep analysis. 15 free credits when you sign up. Each quarter your free plan credits are topped back up to 10. Unused plan credits do not add up. Credits you buy never expire while your account is open.
- AI Scenario Explorer
- What-if engine that runs your scenario across 50+ historical cycle positions, factoring AU CGT, super, and structure rules.
- CGT (Capital Gains Tax)
- Australian tax on investment profits. The 12-month discount halves the rate; SMSF and structure choice changes the outcome significantly.