Assumes a $500,000 remaining loan over 25 years, owner-occupied property, 32% marginal tax rate, 4% dividend yield (70% franked), 0.2% fund fee, 0.1% brokerage — your real numbers may differ. Simplified to 2 of the full calculator's 4 scenarios (no Monte Carlo, no interest-only phase modelled here). Indicative only. Not financial advice.