Australian Investment & ETF Return Calculator

Version 2.7 Methodology - Results are shown as calculated gains, not total final balances; estimated final value/economic value is the original principal plus the after-tax gain, and for Offset Account the gain represents mortgage interest saved. Results can be viewed as after-tax (nominal) gains or an illustrative risk view. Risk model is OFF by default. When switched ON, the illustrative risk view applies the fixed risk scores to positive after-tax gains. Offset Account: saving compounds annually, tax-free. ETF (Stocks): capital gain with CGT only on positive gains, plus dividends reinvested after tax. Physical Gold: growth rate applied to spot price holding, CGT only on positive gains. Term Deposit: default 5.00%; interest taxed annually at marginal rate and compounded. CGT modes: No discount (full marginal rate — represents an under-12-month sale or a conservative no-discount assumption; the app does not check eligibility); 50% discount (current law: applied only to each parcel held at least 12 months; shorter-held parcels are taxed at the full selected marginal rate); 2027 rules — entire gain assumed after 1 July 2027 (simplified indexation model: the cost base is indexed by the chosen CPI, then the remaining real gain is taxed at the higher of 30% or marginal rate; transitional rules are not modelled). The risk model is a simplified, illustrative risk haircut applied to positive gains only (losses are shown in full); it is not a formal volatility model or a measure of actual risk, and the risk scores are illustrative assumptions. Illustrative risk-view scores: Offset Account 0/10, Term Deposit 1/10, ETF (Stocks) 4/10, Physical Gold 5/10. Formula: positive after-tax dollar return × (10 − risk score) / 10. CPI slider is used for the simplified 2027-rules indexation only. Gold price is a user-entered, once-daily gold spot price (AUD/oz) with a date stamp. Regular contributions, when enabled, are applied equally to all four options at the end of each month or year. Monthly rates are derived from the entered annual rates using the effective periodic rate. ETF and gold CGT on regular contributions is estimated parcel-by-parcel under the selected simplified CGT mode. Under the current-law 50% setting, only parcels held at least 12 months receive the discount; shorter-held parcels are taxed at the full selected marginal rate. Real-world records and eligibility may differ. Term-deposit contributions are modelled as separate deposits earning the selected equivalent rate. Simplified tax model: the ETF (Stocks) dividend component is compounded separately on each initial or regular-contribution parcel at the after-tax yield, not on a growing reinvested cost base; CGT is computed as if the asset were sold at the end of each year shown. These are deliberate simplifications for comparison purposes and do not capture every detail of individual tax circumstances. Calculations assume an individual Australian tax resident holding assets in their personal name; the model does not simulate corporate tax rates, Self-Managed Super Funds (SMSFs), or non-resident withholding tax frameworks. Educational comparison tool using simplified tax assumptions — not financial or tax advice.