Australian Wealth and Mortgage Scenario Intelligence

Test your wealth strategy—and find a clearer path to mortgage freedom.

Compare property, shares, bonds, foreign assets, innovation portfolios and founder exits using Australian tax-aware projections. Then model how offset cash, repayment frequency, affordable weekly payments and annual lump sums could change your mortgage completion date and total interest.

Find Out If Your Strategy Still Works View Demo Report Log in

asset classes compared

Tax

negative gearing, CGT and franking logic

Monte Carlo

reverse planning and probability ranges

Community

market sentiment and scenario assumptions

Mortgage Freedom

five-strategy payoff and interest comparison

Tax and policy rules are moving

Many investors are still using calculators built for old assumptions.

AusInvestCalc helps you compare current rules, proposed reforms and alternative allocations before changing a property, share, retirement or innovation strategy.

Watch the tax changes video

Video briefing

Australia's new tax laws changed the investment question.

See how CGT changes, negative gearing reforms and new assumptions can affect property, shares, innovation portfolios and retirement planning.

Start from the decision investors actually need to make.

Should I reposition after CGT and negative gearing changes?

Connect the video message to practical scenario testing.

Can property still beat shares?

Compare leveraged property, ASX exposure, super-style portfolios and cash.

What happens if interest rates rise?

Stress test rent, vacancy, interest costs, cashflow and equity.

Can innovation outperform property?

Model power-law startup outcomes beside traditional assets.

How much do I need to reach $1M?

Use reverse planning to compare contribution, time and risk choices.

How can I pay off my mortgage earlier?

Compare your current loan with offset, weekly-payment and extra-repayment strategies within your affordable limit.

What happens in a recession?

Review QA scenarios across conservative, crisis and innovation-heavy cases.

Mortgage Freedom examples

Three households. Three possible paths to paying less interest.

These examples were calculated with the same daily-interest engine available to subscribers. Register to explore the strategy behind each result with your own figures.

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Young family

$500,000 mortgage with 25 years remaining

About $178,000

less interest and 8 years earlier

Projected completion: August 2043 instead of the August 2051 contractual date.

Growing household

$700,000 mortgage with 30 years remaining

About $482,000

less interest and 14½ years earlier

Projected completion: February 2042 instead of the August 2056 contractual date.

Pre-retirement couple

$300,000 mortgage with 15 years remaining

About $52,000

less interest and 5 years earlier

Projected completion: August 2036 instead of the August 2041 contractual date.

Illustrative projections starting 17 August 2026. Actual lender rates, fees, repayment rules and individual circumstances may change the result. This is educational information, not personal financial advice.

Community market expectations

Use community expectations as another scenario signal.

AusInvestCalc helps investors compare their own assumptions against market sentiment signals such as property growth, inflation, AUD risk, recession concern and innovation confidence.

3.8%

expected property growth

4.2%

community inflation view

13.4%

innovation confidence

-5.6%

AUD outlook

Benchmark comparison

Make property, shares, super, cash and innovation comparable.

6.2%

property model

7.8%

ASX200 style portfolio

6.5%

balanced super

4.5%

term deposit

15.2%

innovation model

Platform capabilities

Built as a scenario engine, not a single-purpose calculator.

Property cashflow and stress testing

Rent, expenses, interest, negative gearing, equity, value growth and Year 2 onward shocks.

Shares, bonds and foreign assets

Model income, capital growth, AUD movement, tax drag and allocation trade-offs.

Innovation and early-stage portfolios

Compare high-upside outcomes against property and listed markets.

Reverse planning

Start with a target wealth number and test contribution, risk and time assumptions.

Mortgage Freedom planning

Compare five repayment strategies using daily interest, offset cash, payment frequency, annual lump sums and an affordable weekly limit.

Policy simulation

Compare negative gearing, CGT, inflation, immigration and macro policy changes.

Founder exits

Estimate after-tax proceeds from business sales using Australian CGT settings.

Macro and policy scenarios

Model the conditions investors worry about before they arrive.

Scenario	Likely pressure point	Investor question
High inflation	Real return pressure	Do indexed assets or foreign exposure help?
Interest rate shock	Property cashflow stress	When does negative gearing stop being tolerable?
Recession	Listed-market drawdown and selling pressure	Which allocation survives the downside case?
Innovation boom	Startup upside and capital reallocation	Can innovation meaningfully outperform property?
Immigration surge	Rental demand and property yields	How much does rent growth change the result?

Built for Australia

Local tax and market assumptions are first-class inputs.

Negative gearing Capital gains tax Franking credits Property leverage Mortgage offset strategies Earlier repayment planning AUD exposure Founder exits Community sentiment Macro scenarios

For accountants and financial planners

Turn scenario analysis into a branded client service.

Professional plans combine managed client records, wealth scenarios, reverse planning, Mortgage Freedom comparisons and white-labelled PDF reports. Use them within appropriately scoped engagements to support clearer conversations and create an additional service opportunity for your practice.

Start your practice workspace

Organise client work

Maintain client records and keep scenario work connected to a repeatable practice workflow.

Explain alternatives clearly

Use transparent inputs, mortgage repayment comparisons and investment stress tests to support professional client discussions.

Deliver under your brand

Apply your logo, colours and contact details to reviewed PDF reports while retaining important disclaimers.

Your practice determines its services and fees and remains responsible for licensing, authorisations, privacy, disclosures and professional advice. Revenue is not guaranteed.

Trust and methodology

Forecasts need transparent assumptions.

AusInvestCalc separates inputs, assumptions and outputs so investors can review the logic behind property cashflow, CGT, reverse planning, Monte Carlo ranges, policy scenarios and daily-interest mortgage projections.

Review feature audit View demo PDF

How calculations work

Separate assumptions, projection logic and result presentation, including a year-by-year mortgage audit.

Monte Carlo methodology

Show percentiles, chance of loss and chance of beating property.

Tax assumptions

Document CGT, negative gearing, franking and marginal tax inputs.

Risk definitions

Explain volatility, liquidity, tax efficiency and concentration risk.

Community consensus

Explain weighting, confidence and expert versus community views.

Founder exit case study

I built a SaaS business. What happens if I sell it for $1M?

Model sale price, active asset concessions, retirement exemption, CGT discount and after-tax proceeds alongside property, shares, cash and other portfolio assets.

Model an exit