M
MyNextDollar/Next Dollar
Equal sacrifice mode
Educational · Not advice
Next Dollar · Scenario modeller

Where should your
next dollar go?

Ranked by projected $ outcome. Adjust any slider or click a value to type.

Amount
Income type
Allocation
Risk preference
Ranking objective
Highest projected net worth including super
Equal sacrifice mode — ETF receives $16k/yr (after 32.5% income tax). Super receives $20k/yr (after 15.0% contributions tax). Same gross sacrifice — different invested amounts due to tax treatment. Super invests $4k more per year.
Your situation
Annual income (base)
Take-home: $88k · Marginal: 32.5% · Effective: 26.6%
Monthly surplus
Annual: $24k to allocate
Timeframe
Property
Mortgage balance
After offset: $555k
Mortgage rate
Offset balance
Annual interest saved: $34k
Returns
ETF gross return
After-tax effective: ~6.8%
Super gross return
Inside fund (13% earnings tax + fees): ~6.0%
Top pathway
$358k
Debt Recycling · nominal
$279k today's $
Annual to invest
$24k
$2k/mo
Interest saved
$81k
Offset vs no offset
Take-home
$88k
after tax + Medicare
Marginal 32.5%
Effective 26.6%
Pathway comparison
$2k/mo · 10yr · Total wealth · nominal
Offset
ETFs
Super
Debt Recycling
Cash Buffer
Bonds / TDs
REITs
All values nominal. In today's dollars at 2.5% inflation: multiply by 78%e.g. $358k nominal → $279k real
⚠
High debt-to-income ratio
Mortgage is 6.8× annual take-home pay. Rate rises have an outsized impact on this profile.
ℹ
Concessional cap limit
Employer SGC est. $14k leaves $16k concessional room. Contributions above this are taxed at marginal rate inside super.

Ranked pathways

Total wealth · tap any card to expand

♻️
Debt RecyclingHighest returnLeverage + taxAccessibleDeep dive →
Converts home debt into deductible investment debt. Invests at ETF rates (6.8%) PLUS …
$358k
projected
›
🏠
OffsetCapital safetyAccessibleDeep dive →
Saves 6.1% mortgage interest tax-free each year. Correctly models declining interest …
$321k
projected
›
🏢
REITsListed propertyAccessible
ASX-listed property trusts at ~5.7% after fees and tax drag. Property exposure withou…
$312k
projected
›
🏦
Bonds / TDsCapital stabilityAccessible
Bond ETFs and term deposits at ~5.0% gross — 3.4% after tax at your 32.5% marginal ra…
$280k
projected
›
🔒
SuperTax advantagedPreservedDeep dive →
Equal sacrifice mode: $24,000 gross sacrifice → $20,400 invested after 15.0% contribu…
$269k
projected
›
📈
ETFsGrowth engineAccessibleDeep dive →
6.8% after fees and tax drag (8.0% gross). In sacrifice mode, ETF receives $16,200 — …
$221k
projected
›
💵
Cash BufferEmergency reserveEmergency
3 months of expenses ($22,033) in high-interest savings (~4.5%). Not an investment — …
$34k
projected
›
FIRE — financial independence estimate
FIRE number = 25× living expenses (4% rule). Estimated at $62k/yr (70% of take-home). Nominal FIRE number: $1.5M. In today's dollars: $1.2M.
Living expenses:
24
years to FI
Model assumptions
Comparison mode
Equal sacrifice (default)
Ranking objective
Total wealth
Offset model
Declining interest on reducing balance
DR model
Growing deduction as converted debt increases
ETF tax drag
1.25%/yr blended distributions
Super earnings
13% blended (15% income, ~10% CGT effective)
Contributions tax
15% standard
Concessional cap
$30,000/yr FY25-26
FIRE multiple
25× annual living expenses
Inflation
2.5% p.a.
Educational scenario modelling only. Not financial advice. Projections depend on assumptions entered — real outcomes will vary. Consult a qualified adviser before acting.