Free Australian simulators
Your money, minus the myths.
Run the real numbers, with real tax, leverage and compounding, before a big money decision.
- No signup
- Free for every Australian
- Real tax and leverage
- Never advice, just maths
Property vs Shares
Same money, two paths. Where does each one land, after tax, loan costs and decades of compounding, on your numbers?
Illustration only: which path ends higher depends on your numbers.
Five simulators, five big questions
Change an assumption and watch the result move.
Property vs Shares
Property or shares?
Same money, two paths, after tax, loan costs and decades of compounding.
Open the simulator →Offset vs Shares
Offset or invest?
Keep spare cash in the offset, or put it in shares: four scenarios, side by side.
Open the simulator →Mortgage
What will the loan really cost?
Repayments, total interest, and what extras, lump sums or an offset change.
Open the simulator →LMI & upfront costs
What will LMI cost me?
LMI, stamp duty and the deposit, and whether buying now or saving a bigger deposit ends higher.
Open the simulator →Retirement
Will my super last?
Super and savings to the end, with or without the Age Pension, fees and tax.
Open the simulator →Also: Buy vs Rent · free widgets for one quick question · all simulators
How it works
A second opinion from the maths, not from someone with something to sell.
- Pick a question
Property or shares, offset or invest, the real cost of a loan, LMI, or whether your super lasts.
- Change any assumption
Real tax, real leverage, real compounding. Change a rate or a year and watch the outcome move.
- See the result, then decide
Take it to your adviser. We never tell you what to do.
Free for everyone. Tepuy+ Personal adds unlimited saved scenarios; Advisor Professional puts your firm's branding on the PDF report. View plans · Our philosophy · Methodology
