M
MyNextDollar/Debt Recycler
Coming soon
♻️Coming soon

Debt Recycler

Turn your mortgage into an investment engine.

Step-by-step debt recycling with loan split structure, deductible interest tracking, ATO-ready records and leverage risk modelling — the only tool that covers the mechanics, compliance and tax in one place.

Non-deductible debt
$684k
Current home loan
Deductible converted
$124k
Investment split
Annual deduction
$7,564
Interest on inv. split
Net benefit/yr
$2,950
Tax saving minus costs
The problem

Debt recycling is one of the most powerful wealth-building strategies available to Australian homeowners with a mortgage — and one of the least understood. The mechanics span accounting, tax law and investment strategy simultaneously. Most people who'd benefit from it never implement it because the setup feels overwhelming and the record-keeping requirements are unclear.

✕No tool explains the mechanics clearly enough to actually do it. Most resources are blog posts, not an operational workflow that takes you from zero to running a compliant debt recycling structure.
✕The ATO requires clean separation between personal and investment debt. Most people who attempt debt recycling contaminate the loan account and lose the tax deduction entirely.
✕Risk is under-discussed. Debt recycling adds leverage. A sharp market downturn while holding investment debt against your home is a materially different risk profile to an unencumbered offset strategy.
What it will do
⚙️
Step-by-step mechanic
The exact sequence: extra repayment → redraw → invest → claim — with your real numbers.
🗂️
ATO-ready interest log
Generates the transaction record the ATO requires to prove deductibility — automatically.
⚠️
Contamination warnings
Alerts before any action that would contaminate the investment split and void the deduction.
📊
15-year projection
ETF value, cumulative deduction and net advantage modelled to year 15.
🎚️
Risk-adjusted comparison
Debt recycling vs offset vs ETFs — accounting for leverage risk at each income and rate scenario.
Future workflow
01
Enter loan & split details
›
02
Make extra repayment
›
03
Redraw into investment account
›
04
Purchase ETFs immediately
›
05
Log transaction for ATO
Make your mortgage work for you, not against you
Debt Recycler is the only tool that combines the mechanics, compliance log and tax modelling in one place.
← All tools
Educational scenario modelling only · Not financial advice · Australia