High income.
Heavy debt.
No real wealth.

Your income is not the problem. Your debt is taking a bigger cut of your future than your tax rate ever will.

↓  Show me what my debt is costing me

Free  ·  No sign-up  ·  No credit card

The HENRY pattern

You're not bad with money.
You're running the wrong system.

Australia has over a million earners above $120K. Most of them feel financially stuck despite growing income. That's not coincidence → it's debt quietly destroying what your income should be building.

Your repayments are the real tax.

Your income tax tops out at 47% and shows on your return. Debt repayments don't appear anywhere → but they cost you just as much, and unlike tax, they compound against you. Every dollar in interest is money your future self will NEVER get to use.

Every $1,000/month in debt repayments = ~$101,500 in business borrowing capacity you can't access

Income rises. Debt follows. Wealth doesn't.

You've had multiple pay rises. You've also upgraded the car, the suburb, the holidays. Each felt earned. But your savings rate today is the same as when you earned half as much. When income goes up, spending tends to go up faster. That's the TRAP.

Top 40% of earners hold the highest household debt-to-income ratios in Australia — ABS

Your credit card limits block your next move.

A $10,000 credit card limit doesn't just cost you interest. When a bank assesses what you can borrow, your credit cards limit cuts your borrowing power by $50,000–$60,000 → even if you've never used the card. Your debt isn't just expensive. It's blocking every financial move you want to make next.

Unused credit limits shrink your borrowing power — even with a zero balance
Proof it works

She earned six figures.
The bank still said no.

Alexandra B., a physiotherapist from Melbourne, was earning well into six figures, strong salary, stable career, clear goals. She wanted to finance an $80,000 vehicle. The bank declined her. Not because of her income, but because her debts had quietly eaten away at what she could actually borrow.

The lender didn't see her salary. They looked at her total monthly debts, and those debts told a very different story.

✓ Her debts were cleared one by one using a simple budgeting system
✓ Approved for the $80,000 vehicle — the exact one she was rejected for
✓ With her debts cleared, she had enough borrowing power to qualify for a business loan and to get her car loan approved without a struggle
✓ She's now building real wealth, buying assets she couldn't have touched before

The income never changed. The system did.

"I thought I was making a lot of money and was so frustrated — I should have been able to afford anything, especially the car I wanted. Thanks to Jonathan, I have a clear picture of where my money is going and how to make it work, without giving up my lifestyle dramatically. I can get the car now."

Alexandra B.  ·  Physiotherapist  ·  Melbourne, Australia
What $1,000 a month in debt actually costs you

Paying off $1,000/month in debt does not just free up cash. It unlocks this much in what you can borrow:

Business borrowing capacity 8.5% per year  ·  15-year term  ·  Standard Australian business loan rate
$101,500
Property purchasing power 9.24% per year  ·  30-year term  ·  The rate every bank uses to assess home loans
$114,400

That is not just a savings win. It is the key that unlocks every goal after it. See your numbers below →

Your number. In 60 seconds.

What is your debt actually costing you?

Every dollar you pay in monthly debt is money you can never borrow, invest, or grow. Enter your numbers and see exactly what your debt is blocking.

How this calculator works
1
Enter what you currently pay in debt each month. The calculator instantly shows how much borrowing power that debt is blocking right now, in both business loans and home loans.
2
Enter how much of that you could pay off. This is not extra money, it is a monthly obligation you want to eliminate completely. The calculator shows exactly how much borrowing power you would get back.
3
See the total difference. What you are losing right now versus what you could recover with a clear debt payoff plan.
Step 1 — The Cost
Your current debt payments
$
$3,000
$0 / month$15,000 / month
Add every debt you pay each month : credit cards, car loans, personal loans, and buy now pay later services like Afterpay or Zip. This is the exact total a bank looks at when deciding how much they will lend you.
Your current debt is blocking this much borrowing power right now
Business Loan
—
Home Loan
—
Step 2 — The Recovery
How much could you pay off?
$
$1,500
$0 / month$3,000 / month
This is not extra money on top of what you already pay. It is the amount of your current monthly debt payments you want to eliminate completely → by paying off those debts in full. For example: if you paid off a credit card that costs you $400 a month, that $400 obligation disappears for good. Enter that amount here. Even $300 a month makes a real difference.
Borrowing power you would get back
Business Loan
—
Home Loan
—
Total borrowing power you could get back
Enter your numbers above
Combined business and home loan capacity you would unlock
Monthly payments freed —
That is per year —
Still paying each month —
Move the sliders above to see what paying off some of your debt could unlock for you.
How the numbers are calculated
Business Loans
We use 8.5% per year over 15 years — a standard rate for Australian business loans. Your actual rate may be higher or lower.
Home Loans
We use 9.24% per year over 30 years — the exact rate every Australian bank uses when they assess how much you can borrow for a home.
Disclaimer: All figures show estimated borrowing capacity based on your monthly debt payments and are for educational purposes only. Business loan figure uses 8.5% per year over 15 years as a standard business lending rate — your actual rate may vary. Home loan figure uses 9.24% per year over 30 years, the standard rate Australian banks use to assess home loan applications. This is not financial advice. HEUS Limited is not a licensed financial adviser.
Your problem is not permanent.

Jonathan kills the debt. The purchasing power follows.

Want to know which debt to pay off first to start unlocking that number? That is exactly what the 15-minute call maps out. Not by cutting your lifestyle, but by building a simple system that clears your debt in the right order. The call is free. You will leave with a clear first move.

Book your free 15-min call → Message on WhatsApp
What to expect

Your free 15-minute call,
step by step.

No sales pitch. No obligation. Just clarity on what's causing your gap and what to do about it first.

01

You share your situation

Jonathan asks about your income, your debts, your spending, and where you feel stuck. No judgement — just a clear-eyed look at what's actually happening with your money.

02

Jonathan identifies the gap

Jonathan shows you exactly what your debts are costing you, and which one to tackle first. Helping you create a system that suits your situation.

03

You leave with a first move

Whether or not we work together, you'll walk away knowing what to tackle first. If working together makes sense, we'll talk about what's next. If not, the clarity is yours to keep, free.

Common questions

Before you book.

Is this a sales call?

No. It's a 15-minute conversation to understand where you are, what's frustrating you, and whether coaching is the right fit for your situation. If it makes sense to keep working together, we'll walk you through what that looks like and give you a clear first plan. No pitch, no pressure, no obligation.

If you do decide to continue, ongoing coaching runs $640–$1,000/month depending on how often we meet — weekly or fortnightly. You'll know exactly what that looks like before committing to anything.

You're not a licensed financial adviser. Should I be worried?

No — and here's the difference. Licensed financial advisers are regulated because they sell financial products: insurance, managed funds, investment accounts. That's their lane. We work on the behavioural and organisational side — why the plan isn't sticking, how to build a budget you actually follow, how to break the patterns that keep you stuck. Think of it like the difference between a personal trainer and a physiotherapist. Different purpose, different skill set.

We don't sell products and don't earn commissions. If you need licensed investment advice, we'll refer you to someone we trust.

I already have an accountant and a financial planner. Why do I need this?

Your accountant handles your tax. Your financial planner maps your long-term investment strategy. Neither of them typically works through why you overspend every second week, helps you restructure your day-to-day cash flow, or holds you accountable between meetings. That's the gap coaching fills.

Think of it as the GP of your financial health — the person who understands the whole picture, the habits, the behaviour, and the day-to-day reality that makes or breaks every other plan. Coaching works alongside your adviser. It doesn't replace them.

Is 15 minutes actually enough to help me?

It's not enough to solve anything — and it's not meant to be. Think of it as a triage call. You tell us what's going on, what you've already tried, and what isn't working. We give you an honest read on whether coaching can actually help and what the next step would look like. You'll leave with clarity on whether this is worth exploring — and usually one or two things to think about immediately.

What kind of results can I realistically expect, and how long does it take?

Most people notice real shifts within the first month or two — a working budget, clearer priorities, less financial anxiety day to day. Bigger goals like paying off significant debt, building consistent savings, or changing deep-rooted habits typically take three to six months of consistent work.

The honest answer: how fast you move depends almost entirely on how much you engage between sessions. Coaching is not a quick fix. It's a structured process.

Is this only for people in financial trouble?

Not at all. A lot of clients are earning well and simply have nothing to show for it — no savings momentum, no clear plan, just a nagging feeling they should be further ahead. Others are at a transition point — new income, new family, first time earning real money — and want to get it right from the start.

What coaching is not right for: complex tax planning, portfolio management, or legal financial advice. That's licensed adviser territory, and we'll tell you clearly if that's what your situation actually needs.

Included with your free call

Four more calculators.
Run with your real numbers.

When you book your free 15-minute call, Jonathan runs whichever of these is most relevant to your situation → using your actual numbers. Because the right number changes everything.

Affordability Calculator

How much can you genuinely put toward debt each month, without overextending yourself or cutting your lifestyle back too far?

✓  Unlocked on your call

Credit Card Borrowing Power Impact

See exactly how much your credit card limits are cutting your borrowing power → shown in dollars, not percentages. Even cards you've never used are costing you.

✓  Unlocked on your call

Debt Payoff Sequencer

Which debt should you pay off first? The order matters more than the total amount. See the best payoff order for your exact situation.

✓  Unlocked on your call

Home Loan & Offset Calculator

Repayments, offset savings, and side-by-side comparisons → every number you need to see how your mortgage fits into your debt payoff plan.

✓  Unlocked on your call
Book your free call and unlock all four →
Jonathan Bonilla
Formerly Pepperstone
Formerly Eightcap
10+ years advising high-income clients
Your Financial Coach

I'm Jonathan Bonilla.
I spent years watching
high earners get it wrong.

Before HEUS, I spent years at Pepperstone and Eightcap, two of the world's leading financial trading platforms, working directly with wealthy clients and professional traders. I saw close up how people with significant income consistently failed to build lasting wealth. Not through carelessness. Through running the wrong financial structure for their income level.

The pattern was always the same: income going up, debt going up with it, spending outpacing savings, and no clear system to change direction. I built HEUS to fix that, not through generic advice, but through the exact frameworks I saw missing in thousands of high-income financial situations.

What we actually do: We build a system that turns your income into real and sustainable wealth, through clear budgeting, deliberate debt elimination, and the coaching that makes both stick. Wealth isn't only financial. The clarity and freedom that come with it change every other area of life too.
No products to sell you. No commissions. Just your real numbers, clearly explained, and a system that works for your income level.
The 15-minute call is free. If we're a fit, we discuss next steps. If not, you still leave knowing exactly what's causing your gap and what to fix first.
HEUS works specifically with Australian high earners — we understand mortgages, super, tax brackets, and exactly what it takes to turn a high income into wealth that grows.
Book your free 15-min call →
Ready to stop the leak?

Your income is already enough.
Your debt system isn't.

15 minutes. Free. No obligation. You'll leave knowing exactly what your debts are costing you, and what to change first.

Book your free 15-min call →