Shares vs Offset Calculator

Compare putting spare cash into shares or ETFs with keeping it in your mortgage offset account, using after-tax returns for your income and time horizon.

Uses 2026-27 resident marginal income tax rates, excluding Medicare levy. Inputs are assumptions you can change. Sources: ATO, Australian resident tax rates, Oct 2026; ATO, CGT discount, Oct 2026.

Your Cash

Spare cash amount$50,000

Monthly additional savings$1,000

Assumed rates & returns

Mortgage interest rate6.2%

Expected share return (p.a.)8.0%

Time horizon15 years

Your Tax

Annual income$100,000

Marginal tax rate: 30%

Offset Account

Effective tax-free return

6.2%

Shares / ETFs

After-tax wealth built

8.0%

Calculating...

Wealth Accumulation Over Time

Break-Even Analysis

The model assumes a 4% dividend yield and a 50% discount on capital gains held for at least 12 months.