Debt Recycling Calculator

Calculate the tax benefits and financial impact of debt recycling strategies.

Financial Details

Enter your financial information below to see the debt recycling benefits. New to debt recycling? Learn more about this strategy. Also try our portfolio rebalancing calculator.

Income & Investments

Salary

Initial Investment Amount

Existing Debt Recycled Amount

Enter 0 if starting fresh, or your current debt recycled amount

Annual Investment Amount

Mortgage & Returns

Mortgage Amount

Mortgage Interest Rate (%)

Dividend Return Rate (%)

Australian Shares (%)

Percentage of portfolio in Australian shares (for franking credits)

Franking Credit Rate (%)

Average franking percentage of Australian shares (70% is typical)

Capital Growth Rate (%)

NZ: Reduce for FIF tax drag

Projection Years

Tax Country

Australia

New Zealand