Free Financial Calculators — Retirement, Insurance, Mortgage Offset

Retirement balance projection

Roughly how much super you might have at retirement, based on simple, conservative assumptions.

Current age 35

Retirement age 67

Annual income (before tax) $120,000

Current super balance $80,000

Extra contributions (salary sacrifice / personal deductible) per year $0

Expected investment return (after fees) 6.5%

Projected balance at retirement

Roughly $0 / year of retirement income

Years to retirement0

Total employer (SG) contributions$0

Total extra contributions$0

Investment growth$0

Assumes 12% Super Guarantee, 15% contributions tax, contributions made monthly, returns earned monthly. Income at retirement assumes a 4% drawdown rate. All figures in today's dollars (no inflation adjustment shown). General information only.

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Personal insurance needs

A starting estimate of how much Life and Income Protection cover you might need to keep your family on its feet.

Annual income (after tax) $90,000

Years of income to replace 10

Outstanding mortgage & debts $500,000

Number of dependent children 2

Cost per child to age 21 (education, support) $80,000

Funeral & estate buffer $15,000

Existing Life cover (super + outside) $0

Suggested cover (indicative)

Total Life / TPD lump sum required

Income replacement$0

Debt payout$0

Children's needs$0

Funeral / buffer$0

Less existing cover$0

Income protection (suggested): $0 / month (typically 70% of pre-tax income)

A starting point only. Real insurance needs depend on your family situation, future plans, existing assets, sick leave entitlements, employer cover and how you'd like the family to live if something happened. Always seek personal advice before applying.

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Mortgage offset vs extra super

If you have spare cashflow, should you put it on your mortgage (offset) or salary sacrifice into super? This compares the two side by side.

Spare amount per year $10,000

Years to compare 15

Mortgage interest rate 6.0%

Marginal tax rate (incl. Medicare) 39%

Expected super return (after fees) 6.5%

After 15 years

—

Offset value (after tax)$0

Super value (after 15% contributions tax)$0

Each year — into offset$0

Each year — into super (gross)$0

Simple comparison: offset uses your after-tax dollar; salary sacrifice uses your gross dollar but is taxed 15% on entry and locked in super. Doesn't model concessional cap, CGT, debt recycling, Division 293, future tax changes, or behavioural factors. Always seek personal advice before changing your strategy.

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Quick numbers to start the conversation.