FREE MONEY TOOLS
Small calculations. Clearer decisions.
Explore saving, borrowing, investment growth and purchasing power. All amounts are in Australian dollars. Starting values are examples, not current market rates.
BUILD YOUR OWN SCENARIO
Portfolio growth & reinvestment calculator
See how your starting portfolio, additional investments and reinvested income contribute to its future size.
Enter income and capital growth separately. Do not enter a total-return figure as capital growth as well as entering an income yield: that would count the income twice. Enter a negative capital-growth rate to explore a falling market.
Illustration, not a forecast. Returns and income can fall or stop. This model assumes constant rates and does not simulate volatility, defaults, liquidity constraints or the sequence of returns. Tax is excluded: reinvesting income does not necessarily remove a tax liability. Only the percentage fee entered is deducted; brokerage, spreads, fixed fees and other charges are excluded. Results do not establish suitability or a safe withdrawal rate.
Year-by-year portfolio breakdown
| Year | Portfolio value | New money added | Income reinvested | Capital growth / loss | Fees | Cash income taken out |
|---|
Method, assumptions & worked example
Each month, income and capital growth are calculated separately on the opening portfolio value, using each annual nominal rate divided by 12. The selected proportion of income is reinvested; the rest is paid out and earns no further return in this model. Capital growth excludes distributions. This simplified approach does not model actual distribution dates, ex-distribution price changes, bond maturities, amortisation or individual securities.
The monthly fee is the annual fee divided by 12, charged on the balance after capital growth and reinvestment, before adding your month-end contribution. Contributions remain fixed. Portfolio value = starting value + additional investments + reinvested income + capital growth/loss − fees. Reinvested income includes income subsequently earned on prior reinvestments; capital growth includes growth on the whole invested balance. These are cumulative cash-flow and valuation components, not a tax cost base or a performance attribution by original funding source.
Today’s purchasing power = final portfolio value ÷ (1 + annual inflation rate)^years. Other results are nominal, before tax. Income taken as cash is a cumulative nominal total, not included in portfolio value or its inflation-adjusted figure.
Worked example: start with $10,000, add $100 each month, and set income, capital growth and fees to 0%. After one year the portfolio is $11,200, made up of $10,000 starting value and $1,200 additional investments. With no additional investments, a 12% nominal income yield, full monthly reinvestment and no capital growth or fees, $10,000 becomes approximately $11,268 after one year. That yield is a mathematical illustration, not a realistic-return claim or recommendation.
Background: ASIC Moneysmart compound interest and developing an investing plan. Independently implemented; not endorsed by ASIC.
Calculator inputs are processed in your browser and are not submitted by this tool. The site’s separate analytics and cookie settings still apply.
Back to tool choices ↑THE INSIGHT LAB / FREE INTERACTIVE TOOL
What could your money grow to?
See what goes in, what growth adds,
and what fees and inflation change.
ESTIMATED BALANCE AFTER FEES
in today’s purchasing power
*Difference from the same scenario without fees, including lost growth. This is not just the fees charged.
A model, not a forecast. Actual returns fluctuate and you can lose money. This is an educational calculation, not a recommendation or personal financial advice. Tax and other costs are excluded.
Year-by-year breakdown
| Year | Contributed | After fees | Today’s dollars | Fees charged to date |
|---|
How it works, assumptions & sources
The starting amount is invested immediately. The annual return entered is a nominal rate, divided by 12 and applied monthly. Each month the fee is calculated as one-twelfth of the annual percentage fee on the balance after growth, then deducted. Contributions are added at the end of each month and stay constant in dollar terms.
Monthly balance = previous balance × (1 + annual return ÷ 12) × (1 − annual fee ÷ 12) + monthly contribution, with rates expressed as decimals. Today’s purchasing power = future balance ÷ (1 + annual inflation)years. The no-fee comparison follows the same calculation with the fee set to zero.
Returns, fees and inflation stay constant in this simplified model; all returns are reinvested. It excludes income tax, brokerage, fixed-dollar fees, buy/sell spreads and withdrawals. It does not model a particular investment, superannuation rules or product eligibility. Actual fee calculations may differ. Compare similar investments and risks, not fees alone.
Background reading: ASIC Moneysmart: compound interest calculator · ASIC Moneysmart: managed funds fee calculator. Our calculator is independently implemented; ASIC has not endorsed it.
Method reviewed 3 November 2026.
PLAN & EXPLORE
Savings goal calculator
How much should you put aside each month?
Assumptions & worked example
Interest compounds monthly at the annual nominal rate divided by 12. Savings are deposited at each month’s end. Rates and deposits stay constant. Tax, fees and inflation are excluded. If your existing savings reach the target with interest, the required deposit is zero.
Example: a $12,000 target, no starting savings and 0% interest over 2 years requires $500 a month.
Educational estimate only, not personal financial advice or a forecast. Tax and fees are excluded; inflation is included only in the inflation tool. Read the assumptions and general notice above. Your calculator inputs stay in this page.
Back to tool choices ↑PLAN & EXPLORE
Loan repayment calculator
Explore the monthly cost and total interest.
Assumptions & worked example
A fully repaid principal-and-interest loan with equal monthly payments at month-end. Monthly interest is the annual nominal rate divided by 12. The rate stays constant; fees, offset accounts, extra repayments and balloon payments are excluded. This does not assess borrowing eligibility or affordability. Actual lenders may calculate interest daily and round payments differently.
Example: borrowing $12,000 at 0% over 2 years requires $500 a month and has no interest cost.
Educational estimate only, not personal financial advice or a forecast. Tax and fees are excluded; inflation is included only in the inflation tool. Read the assumptions and general notice above. Your calculator inputs stay in this page.
Back to tool choices ↑PLAN & EXPLORE
Inflation & purchasing power
See how changing prices affect the value of money.
Assumptions & worked example
Future equivalent cost = today’s amount × (1 + annual inflation rate)^years. Purchasing power of unchanged cash = today’s amount ÷ that factor. This is a constant-rate illustration, not historical CPI data or an inflation forecast. Your personal spending may change differently.
Example: at 3% inflation, something costing $100 today would cost $103 in one year.
Educational estimate only, not personal financial advice or a forecast. Tax and fees are excluded; inflation is included only in the inflation tool. Read the assumptions and general notice above. Your calculator inputs stay in this page.
Back to tool choices ↑Further reading: ASIC Moneysmart savings goals · ASIC Moneysmart personal loans. These independent tools are not endorsed by ASIC. Our savings model uses end-of-month deposits.
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