Shares vs Offset Calculator

Should your spare cash go into shares/ETFs or your mortgage offset account? Compare after-tax returns and find out which wins for your situation.

Spare cash amount$50,000
Monthly additional savings$1,000
Mortgage interest rate6.2%
Expected share return (p.a.)8.0%
Time horizon15 years
Annual income$100,000
Marginal tax rate: 32.5%
Offset Account
$0
Effective tax-free return
6.2%
Shares / ETFs
$0
After-tax wealth built
8.0%
Calculating...