FinCalc — Loan Calculator

Comparison Parameters

Annual Investment $10,000

$

$1K$100K

Investment Horizon 30 years

yrs

1 yr50 yrs

Starting Year 2025

Marginal Tax Rate 32.5%

Home Loan Balance $500,000

$

$50K$2M

Home Loan Rate 6.20%

%

2%12%

Inflation Rate 3.0%

%

0%8%

▶ Advanced Return Rates

S&P 500 ETF Return 10.5%

%

Nasdaq 100 ETF Return 12.0%

%

Super Fund Return 7.5%

%

ETF Dividend Yield 1.8%

%

Currency Drag (AUD) 0.5%

%

ETF Split (S&P / NDQ) 50 / 50

100% S&P100% NDQ

Retirement Tax Rate 0%

Tax rate applied when selling ETFs in retirement (CGT discount still applies)

Franking Credit Yield 0.0%

%

Franking credits boost ETF after-tax yield (AU-domiciled ETFs like VAS: ~1.5–2%)

Medicare Levy

Added to marginal tax rate for dividend/PAYG calculations

After-Tax Effective Annual Return — Side by Side

🏠 Offset

—

Tax-free equivalent

📈 ETFs

—

After div tax + CGT

♻️ Debt Recycled

—

ETFs + interest deduction

🦘 Super

—

Net of 15% tax on earnings

These are annualised effective returns on your total pre-tax contributions. Offset is risk-free; ETFs and Super carry market risk. Debt recycling assumes your annual contribution routes through the home loan first, making that portion's interest tax-deductible.

⏱ Time Horizon Decision Guide

Which strategy suits your timeframe?

0–5 yrs

🏠 Offset

Capital stability first. Market may be down when you need it.

7–10+ yrs

📈 ETFs

Long enough to ride volatility; higher expected return.

7–10+ yrs

♻️ Debt Recycle

ETFs + loan interest deduction. Best risk-adjusted return outside super.

Until 60+

🦘 Super

Tax on contributions slashed from your MTR to 15%. Compounding jackpot.

Enter your details and click Compare Strategies to see a personalised recommendation.

Growth Over Time

ETF Portfolio

Offset Savings

Super Balance

Debt Recycled ETFs

Key Assumptions

⚠️ General information only — not financial advice. This comparison uses simplified modelling. Returns are not guaranteed. Tax treatment depends on individual circumstances. Super has preservation rules (accessible from age 60). ETF returns are historical averages in USD; AUD returns may differ. Consult a licensed financial adviser before making investment decisions. Super concessional cap is $30,000/yr for FY2025.

✨ AI Strategy Analysis

Get a plain-English explanation of the results, including which strategy suits your situation and what factors could change the outcome.

Claude is thinking…

General information only. Not financial advice. Claude may make errors — verify with a licensed financial adviser.