Debt Recycling Calculator
Calculate your savings and investment potential with our straightforward Debt Recycling Calculator.
About the Calculator
The Debt Recycling Calculator provides an estimate of financial outcomes based on the entered data. Actual results may vary depending on various factors such as tax regulations, investment performance, and personal circumstances.
Form Definitions
- Income: Annual taxable income in AUD.
- Initial Investment: Starting amount allocated to investments.
- Mortgage: The total mortgage amount in AUD.
- Mortgage Interest Rate: Annual interest rate on the mortgage.
- Dividend Return Rate: Annual percentage return from dividends.
- Capital Growth Rate: Annual growth rate of investments.
- Years: Duration over which the calculations are made.
Formula Used
Portfolio Value: Calculated as:
Portfolio Value = Previous Value × (1 + Capital Growth Rate) + Dividends (if reinvested).
Tax Savings: Calculated as:
Tax-Deductible Interest × Tax Rate (assumed 30%).
Learn more about debt recycling in Australia
Debt recycling is a financial strategy that involves using equity from your home loan to invest, potentially reducing non-deductible debt while building wealth over time. Learn more about how it works and its potential tax and investment benefits to make informed financial decisions.
