After paying you get an email with your download link. You download the Claude or the ChatGPT package (or both), the manual and the prompt guide. If the link expires, you can request a new one with the same email.

What happens on 1 July?

A new financial year starts and figures change. Your edition includes updates until its closing date; the next year's edition is bought separately. Always check the verification date each answer shows.

Does it work with free ChatGPT?

Yes. It uses a Project with 5 files, which is exactly the free plan's maximum. Very good for questions; code execution (the calculators) is limited on the free plan, in which case you ask it to do the maths step by step.

Can I share it with someone?

No. The licence is for personal use: you can install it and adapt it for your own or your household's finances, but not share, publish, resell it or use it to provide services to others. For commercial licences, write to us.

It is a digital product: no refund for change of mind. If you ask within 14 days and have not downloaded anything yet, we refund in full. Your rights under the Australian Consumer Law always apply, for example if the product is faulty or not as described.

Is it for me if I do not live in Australia?

It is made for people living in Australia or moving there: the figures, rules and agencies are Australian. If your situation is in another country, it will not help you.

Is this financial advice?

No. It is educational material and general information. It does not know your full situation and AI can make mistakes, including with figures and calculations. Before deciding with real money, consult a registered tax agent or an AFSL-licensed adviser.

The skills, manual and guides are in Spanish (Rioplatense). The assistant answers in whichever language you write in.

Skills de Finanzas AU

A personal finance assistant for Australia, in Spanish, inside Claude or ChatGPT.

Seven skills that turn Claude (or a ChatGPT Project) into a personal finance assistant that knows the Australian rules: tax, sole traders, super, trusts, insurance, wills and cash flow.

It explains in plain language, always says which financial year a figure belongs to, and tells you when something needs a registered professional. You ask with your own numbers and it answers with the figures for the right year.

The 7 skills

A skill is a package of knowledge Claude loads only when your question needs it. You never call them by name: ask normally and the assistant picks.

Rules and figures base
Required
Rates, caps and thresholds with their verification date, the legal notices, and when to send you to a professional. The other six read it.
au-compliance-kb
Tax and sole traders
Personal and sole trader (ABN) tax: brackets, Medicare, HELP/HECS, deductions, car, home office, GST and BAS, capital gains. Comes with a calculator.
au-tax-soletrader
Super
How much you can contribute, carry-forward, Payday Super, extra tax on large balances, and a projection to retirement.
au-superannuation
Trusts and structures
Family trusts and companies: distributions, Division 7A, PSI and the 30% minimum tax on trusts before Parliament. The riskiest topic: everything goes through a tax agent.
au-trust-structures
Insurance
Life, TPD, income protection, private health insurance (MLS and Lifetime Health Cover) and general insurance.
au-insurance
Wills and estates
Wills, enduring powers of attorney, super death benefit nominations (BDBN) and testamentary trusts.
au-estate-planning
Cash flow and debt
Budgeting, the order to pay debts (cards, BNPL, loans), emergency fund, Family Tax Benefit and Child Care Subsidy. Also the emotional side of money.
au-cashflow-behavioural

The base is required; install the rest as you need them. If you have no trust, you can skip that one.

What it is for, and what it is not

Good for

Understanding how a tax, a cap or a benefit works.
Doing the maths with your numbers: tax, HELP, super, debt.
Comparing options before you see your accountant, so you arrive with the right questions.
Putting together a budget or a report so everything is in order.

Not for

Lodging your tax return (a tax agent does that, or you do in myGov).
Recommending a specific fund, insurance policy or investment.
Drafting a valid will.
Replacing a registered tax agent, an AFSL-licensed adviser or a solicitor.

Claude or ChatGPT

After buying, you download the package for the platform you use. Same content, packaged two ways.

Claude

Recommended

Plan: Free, Pro, Max or Team

All 7 skills, with calculators. Uploaded from Customize → Skills. Works in Claude Code too.

ChatGPT

Plan: Free or Plus

A Project with 5 files and the instructions to paste. Very good for questions; the calculators depend on ChatGPT being able to run code that day.

If you can choose, use Claude: the skills work in full there, calculators included, and the free plan is enough.

What you get

Claude package: the 7 skills ready to upload.
ChatGPT package: the 5 Project files and the instructions.
User manual (PDF): what it is, how to install it step by step and how to ask.
Prompt guide (PDF): what documents to upload and what to ask, case by case, with over 30 prompts ready to copy.
The personal-use licence and the changelog.

Edition and updates

One payment per financial year. In Australia the figures change every 1 July and with each federal budget; your edition includes every version released until its closing date, and we email you when there is a new one.

The next financial year's figures come in a new edition, bought separately. What you have already downloaded stays yours.

Edition 2026-27 · Updates included until 30 June 2027

What changed

Every published version of the 2026-27 edition, newest first.

v2026.11.124 October 2026

## v2026.11.1 — edición 2026-27, licencia de uso personal (24 de octubre de 2026)

Las cifras no cambian: siguen verificadas al 23 de octubre de 2026.

**Licencia nueva.** Deja de ser CC BY-NC-SA 4.0. Ahora es una **licencia de uso
personal** de Synergic Pro, con todos los derechos reservados: podés instalar y
adaptar los skills para tus finanzas o las de tu hogar, pero no compartirlos,
publicarlos, revenderlos ni usarlos para dar servicios a otras personas. No
limita tus derechos bajo la Australian Consumer Law. Ver [LICENSE](LICENSE).

**Dónde se compra.** En la tienda de Synergic Pro:
[synergic.pro/finanzas-au](https://synergic.pro/finanzas-au). Es un **pago único
por año fiscal**: la edición 2026-27 incluye las actualizaciones que salgan hasta
el 30 de junio de 2027. Ya no se descarga desde GitHub.

**Avisos.** Todos los avisos dicen ahora que **la IA puede equivocarse** y que
hay que verificar las respuestas, y que **el autor no ve ni recibe nada** de lo
que preguntás: todo queda en tu cuenta de Claude o ChatGPT.

**Manual y Guía de prompts** con los links a la tienda.

**Paquete para ChatGPT completo.** Ahora trae también la licencia, este
CHANGELOG, la guía `usar-en-chatgpt.md`, el Manual y la Guía de prompts.

Your questions are yours

You install it in your own Claude or ChatGPT account and use it yourself. Synergic Pro never sees your situation or receives anything you ask: it all stays in your Anthropic or OpenAI account.

Never put your TFN, account numbers or passwords in the chat. The assistant does not need them for anything.

Licence

The exact text that comes with the files. You accept it when you buy.

Read the full licence

Skills de finanzas personales para Australia — Licencia de uso personal
Copyright (c) 2026 Felipe Diez — Synergic Pro (https://synergic.pro)
Todos los derechos reservados.

Este trabajo (los archivos SKILL.md, las referencias, las plantillas, los
scripts y los manuales en PDF) es propiedad de Felipe Diez — Synergic Pro.
No se vende: quien lo obtiene recibe una licencia de uso personal, no
exclusiva e intransferible, en estas condiciones.

En palabras simples, podés:
  - Instalar y usar los skills en tus propias cuentas de IA (Claude, ChatGPT u
    otras), para tus finanzas personales o las de tu hogar.
  - Adaptarlos para tu propio uso.
  - Guardar copias de respaldo para vos.

No podés, sin permiso escrito del autor:
  - Compartir, publicar, regalar, revender ni sublicenciar los archivos, ni
    versiones modificadas, en todo o en parte.
  - Usarlos para dar servicios a otras personas (pagos o gratis) ni incluirlos
    en un producto o servicio.
  - Borrar la línea de autoría, los avisos ni los campos `license` / `metadata`
    de los SKILL.md.

Para licencias comerciales o a medida: admin@synergic.pro

AVISO: este contenido es material educativo e información general. No es
asesoría financiera, legal ni impositiva, y no la reemplaza. El autor no es un
tax agent registrado ni tiene una licencia AFSL, nunca ve ni evalúa la
situación de quien lo usa y no recibe ninguna información sobre cómo se usa.
La IA puede equivocarse, también en cifras y cálculos: verificá siempre las
respuestas. Antes de actuar, consultá a un profesional registrado. Nada en
esta licencia excluye ni limita los derechos que te da la Australian Consumer
Law.

----------------------------------------------------------------------------
English summary: Copyright (c) 2026 Felipe Diez — Synergic Pro. All rights
reserved. You get a personal, non-exclusive, non-transferable licence to
install and use these skills in your own AI accounts for your own or your
household's finances, and to adapt them for that use. You may not share,
publish, give away, resell or sublicense them (or modified versions), use
them to provide services to others, or remove the authorship line and
notices, without written permission. Educational, general information only —
not financial, legal or tax advice. AI can make mistakes: always verify the
answers. Nothing in this licence excludes or limits your rights under the
Australian Consumer Law.

Questions

How do I receive it?: After paying you get an email with your download link. You download the Claude or the ChatGPT package (or both), the manual and the prompt guide. If the link expires, you can request a new one with the same email.
What happens on 1 July?: A new financial year starts and figures change. Your edition includes updates until its closing date; the next year's edition is bought separately. Always check the verification date each answer shows.
Does it work with free ChatGPT?: Yes. It uses a Project with 5 files, which is exactly the free plan's maximum. Very good for questions; code execution (the calculators) is limited on the free plan, in which case you ask it to do the maths step by step.
Can I share it with someone?: No. The licence is for personal use: you can install it and adapt it for your own or your household's finances, but not share, publish, resell it or use it to provide services to others. For commercial licences, write to us.
Is there a refund?: It is a digital product: no refund for change of mind. If you ask within 14 days and have not downloaded anything yet, we refund in full. Your rights under the Australian Consumer Law always apply, for example if the product is faulty or not as described.
Is it for me if I do not live in Australia?: It is made for people living in Australia or moving there: the figures, rules and agencies are Australian. If your situation is in another country, it will not help you.
Is this financial advice?: No. It is educational material and general information. It does not know your full situation and AI can make mistakes, including with figures and calculations. Before deciding with real money, consult a registered tax agent or an AFSL-licensed adviser.

The 7 skills

Rules and figures base

Tax and sole traders

Super

Trusts and structures

Insurance

Wills and estates

Cash flow and debt