Interactive Calculators
Assumption-driven financial simulations for Australian investors — explicit tax, leverage, and cashflow mechanics built into every model.
Property vs Shares
Property vs Shares Calculator
Australia's most complete investment comparison — FIFO CGT, cashflow neutrality, Division 40/43 depreciation, stamp duty for all 8 states, offset accounts, debt recycling, and Monte Carlo analysis.
Retirement Calculator
Set income goals, adjust for inflation, and estimate the capital needed. Explore contribution rates, withdrawal rules, and longevity risk.
Offset vs Shares
Compare offset savings against investing — dividends, franking credits, CGT, and rebalancing included. See after-tax cashflows and total wealth over time.
Buy vs Rent Calculator
Compare renting vs buying your home in Australia. Model mortgage, rent, taxes, maintenance, and investment growth to see which option builds more wealth.
Mortgage Calculator
Estimate repayments and total interest. Add extra repayments, include an offset account, choose weekly/fortnightly/monthly, and model interest-only periods.
LMI Calculator
Estimate Lenders Mortgage Insurance from purchase price and deposit. See your LVR, premium amount, and whether the cost is capitalised into your loan.
Should You Buy or Rent in Australia?
30-second result. Is renting and investing your deposit smarter than buying? Adjust sliders and see the answer instantly for your city and salary.
Beat the ASX — Property Breakeven Calculator
Type your suburb. Find the exact annual growth rate your property needs to outperform investing the deposit in the ASX. Over 200 suburbs, instant result.
Macroeconomic Simulator (Australia)
Explore how interest rates, liquidity, and global markets interact with ASX200, property prices, and rental yields. Scenario-based modelling with dynamic feedback — not static assumptions.
CGT Discount vs. Indexation
Model the impact of the rumored May 2026 Federal Budget changes. Compare the 50% CGT discount against the proposed inflation-linked cost base indexation.
Australian Financial Calculators for Investors
Every calculator on this page is built for Australian investors dealing with real complexity — CGT discount, negative gearing rules, APRA serviceability buffers, stamp duty by state, and superannuation contribution caps. The tools run entirely in your browser; nothing is sent to a server. Results are for general information and planning only and do not constitute financial advice.
Each calculator lets you adjust the assumptions that matter most for your situation. Saved scenarios (Tepuy+ feature) allow you to compare outcomes side by side, export to CSV or XLSX, and return to a model without re-entering inputs.
What Each Calculator Does
Property vs Shares
Compare the after-tax wealth outcome of buying investment property against investing the same capital in a diversified share portfolio. Models FIFO CGT, negative gearing under current 2026 rules (new build vs existing), stamp duty for all eight states and territories, Division 40/43 depreciation, and Monte Carlo return simulation. The most detailed rent-vs-buy and property-vs-shares tool available in Australia.
Retirement Planner
Projects super balance and drawdown over retirement using your chosen contribution rate, employer SG rate, investment return, and inflation assumptions. Accounts for concessional and non-concessional caps, the transfer balance cap, and longevity risk across different withdrawal strategies.
Mortgage Repayment
Models full amortisation with extra repayments, offset account, interest-only period, lump sums, and up to four rate steps. Re-amortises remaining term at each rate change, mirroring how Australian lenders calculate your new minimum repayment. Exports the full schedule as CSV or XLSX.
LMI Calculator
Estimates Lenders Mortgage Insurance premium based on your deposit, property value, and state. Shows the LVR threshold, whether LMI applies, and indicative cost from major Australian insurers (Helia and QBE). Useful for deciding whether to delay purchase to reach 20% deposit or pay LMI to enter the market earlier.
Offset vs Shares
Compares the after-tax return of using surplus cash to reduce your mortgage offset balance versus investing that cash in shares. Accounts for the effective risk-free rate of the offset, dividend imputation, CGT on share gains, and your marginal tax rate.
How to Choose the Right Calculator
If you are deciding between property and shares
Start with the Property vs Shares calculator. Enter your target property price, estimated rental yield, and share return assumption. The tool will model both paths over your investment horizon, including tax drag, and show you the after-tax wealth gap under each scenario.
If you are planning your mortgage strategy
Use the Mortgage Repayment calculator to compare P&I vs interest-only, the impact of fortnightly payments, and how extra repayments or a lump sum windfall (e.g., an inheritance or bonus) affect total interest and payoff date. If your deposit is below 20%, run the LMI calculator first to quantify that cost.
If you are approaching or in retirement
The Retirement Planner lets you model how long your super balance lasts under different withdrawal rates and return scenarios. Run it with optimistic, base, and pessimistic return assumptions to understand your sequence-of-returns risk before choosing a drawdown strategy.
If you have an offset account and surplus savings
The Offset vs Shares calculator answers whether that cash works harder reducing mortgage interest (a guaranteed, tax-equivalent return) or invested in shares (higher expected return, but taxable and volatile). The answer depends on your loan rate, marginal tax rate, and investment horizon.