xiiiRegister interest in the proposed pilotPRODUCT OVERVIEW · AUSTRALIA
A household life-admin system, with you in control.
xiii is a proposed personal financial and life-administration system for Australian households. Its scope connects thirteen areas of life, from home and money to health, family and digital records, with permission controls and evidence of what has actually happened.
What does household life administration include?
Household administration means keeping track of obligations, due dates, documents, approvals and results across daily life. The xiii proposal brings people, money, assets, records and obligations into one shared information model, rather than leaving each responsibility in a different inbox, app or spreadsheet.
- Rent and bills: understand what is due, prepare the next steps and distinguish an attempted payment from a settled, reconciled result.
- Vehicles, pets, licences and renewals: keep the relevant records and dependencies together, including steps the household still needs to complete.
- Changes in household circumstances: identify related responsibilities when a lease changes or a vehicle changes hands.
- Continuity: let an authorised person pick up the administration if necessary, without granting unrestricted access today.
The intended jobs are to know, prepare, complete, coordinate, recover and continue. These are product goals for the proposed pilot, not a statement that all capabilities are currently available.
Thirteen areas. One household.
The scope catalogue maps the responsibilities a household may need to manage. These examples describe the intended product scope, not a list of available integrations or a promise that every area will be supported in the first pilot.
Home & utilities
Rent or mortgage, lease and bond records, rates, water, strata levies, energy plans, home maintenance and moving-house administration.
Money & tax
Bills, direct debits, credit repayments, tax-document packs, deduction records, investment records and paperwork for side income.
Super
Contribution records, statements, lost-account searches, insurance notices, beneficiary nominations and retirement paperwork.
Insurance
Health, home, car, life, pet and travel policy records, renewal notices, changing circumstances, claim documents and follow-up.
Vehicles
Registration, CTP, inspections, toll accounts, servicing, recalls, ownership transfers and records for boats, trailers or caravans.
Identity & licences
Passports, driver licences, Medicare details, identity documents, professional registrations, checks and continuing-development records.
Government & benefits
Benefit correspondence, reporting reminders, concession cards, childcare support, rebates, NDIS and aged-care administration.
Health
Appointment administration, referrals, prescription records, screening invitations, immunisation records and health-cost paperwork. Organisation, not diagnosis or treatment advice.
Family & care
Birth and newborn paperwork, childcare, school enrolments and fees, child-support records, caring responsibilities and bereavement administration.
Work & side income
Payslips, leave records, super contributions, study dates, professional memberships and the documents needed for a side business.
Estate & continuity
Will and enduring-document review reminders, beneficiary records, an asset inventory, document locations and an authorised handover plan.
Pets & animals
Microchip and registration records, permits, vet appointments, vaccination certificates, insurance, boarding paperwork and ownership changes.
Digital life
Subscriptions, free trials, domain renewals, warranties, recall notices, backups, account-recovery plans and digital legacy arrangements.
Australia-wide scope with an initial NSW focus. Not every item applies to every household. Current rules, eligibility, fees and deadlines would need to be checked against the responsible provider or authority before action; this page is not a legal, tax or financial checklist.
One change can touch many parts of life.
The proposal is to connect related tasks rather than leave you to remember every follow-up. Recurring dates, renewals, notices and changes in circumstances would all help identify what needs attention.
- Moving house: connect the lease or settlement, utilities, address records, insurance, vehicles, school and pet details.
- A new baby: bring birth paperwork, Medicare and health-fund records, leave, benefits and childcare preparation into one plan.
- A new job: organise employment documents, payroll details, super choices, memberships and relevant study or licence records.
- Buying or selling a vehicle: coordinate ownership paperwork, registration, CTP, insurance, toll accounts and servicing records.
- A change in care or family circumstances: identify documents, permissions, professional contacts and household records that may need review.
These are illustrative workflows for the proposed system, not completed customer outcomes. The aim is to show what is due, what depends on something else and who must take the next step.
Three modes, separate permissions
The proposed authority model starts with no permission to make external changes. Access to information is not the same thing as permission to act.
- Watch: organise connected dates, notices, renewals and records; flag gaps or changes for review. It cannot send, commit or pay.
- Prepare: assemble documents, draft forms, organise a money plan and prepare the next steps for review. Preparation is not completion.
- Handle: carry out permitted routine work through an approved route, within explicit authority. Unfamiliar actions still require approval.
Results are kept separate as verified, prepared, awaiting approval or requiring a hand-off. A reminder, an attempt or an acknowledgement is not treated as proof that an obligation has been completed.
Money execution requires a contracted, legally reviewed payment route that has passed production validation. The proposal does not promise to undo a settled payment, signed contract or delivered notice.
Some steps stay yours.
xiii's proposed boundary is to prepare and coordinate, not impersonate. Personal identity checks, required signatures and declarations, parental consent, tests, voting and attendance remain with the person responsible. Personal myGov and myID credentials are not shared with the system.
Where a provider permits a nominee, authorised representative or registered professional, the system would need to establish the right route and permission before acting. A household relationship or an uploaded document is not, by itself, authority.
Legal drafting, regulated advice and clinical decisions belong with appropriately qualified professionals. xiii's intended role is to organise factual records, prepare the information they need and track the hand-off, not replace their judgement.
Questions about xiii and the proposed pilot
Is xiii available to use now?
No. xiii is a proposed NSW household pilot, not yet a live service. You can register interest, but the site does not offer immediate product access or publish pricing.
Who is the proposed pilot for?
The proposed first pilot is for households in New South Wales, Australia: renters and owners, single and shared households. The initial idea is to start with a few documents rather than requiring a bank connection.
Which parts of household life are in scope?
The thirteen proposed domains are home and utilities; money and tax; super; insurance; vehicles; identity and licences; government and benefits; health; family and care; work and side income; estate and continuity; pets and animals; and digital life. This is the full intended scope, not confirmed day-one pilot coverage.
Does xiii take over personal or professional decisions?
No. The proposal keeps identity checks, required signatures, consent and attendance with the person responsible, and regulated advice with qualified professionals. xiii would prepare records and next steps, then use an approved hand-off where needed.
Is xiii a bank, financial adviser or lawyer?
No. xiii is not a bank, investment manager, financial adviser or lawyer, and the proposal does not include custody of your money. Its focus is household financial and life administration, with professional routes where required.
Can xiii move money or accept terms without permission?
The proposed system must not move money without a verified recipient and a fresh, bound approval, or accept legal terms silently. It must not bypass a login, fabricate a signature or infer authority from household membership.
How is this different from a reminder app?
The intended scope goes beyond reminders: it connects obligations with records, people, assets, permissions and evidence of the result. That is the proposed product direction, not a claim of demonstrated performance against another service.
How do I register interest or discuss a partnership?
Use Register interest or Talk to us about xiii on the landing page. The form opens your own email application with a draft addressed to imc@icsmultimedia.com.au. Nothing is sent until you send that email yourself.
Find out more
For household-pilot interest, use the pilot section. For delivery, distribution or investment discussions, visit partners and investors or email imc@icsmultimedia.com.au.
Updated 29 September 2026. This page summarises the current xiii planning baseline. Enquiry details are handled in your email application, not stored by a website form backend. Page-view measurement is configured for Vercel Web Analytics; no enquiry contents are included in tracking, and the integration removes URL query strings and fragments before sending events.