Wealth Strategy Studio
AUSTRALIAN HOUSEHOLD WEALTH PLANNER

Mortgage, ETF & offset.
One clear financial picture.

Compare four strategies, model 30 years of changing interest rates, and see how taxes, cash flow and unexpected events affect your financial position.

30-year projectionOffline-capableLocal calculations
HISTORICAL REPLAY

Choose your market environment

Replay earlier economic conditions over a common 2015–2044 model.

Highest funded wealth
—
Wealth after 30 years
—
Nominal after-tax financial wealth
Household monthly income
—
Opening combined take-home pay
Affordability risk
—
Months with unfunded obligations

30-year financial wealth

Estimated after-tax net position · 2015–2044

The same home is assumed in all strategies, so home value is excluded. Each strategy starts with identical available lump-sum capital and emergency reserves.

Strategy rankings

End of 2044 · updated live

01 / CASH FLOW

Household income & spending

See affordability based on both salaries, growing expenses and where surplus cash is invested.

Monthly finances

Exclude mortgage repayment. Include bills, groceries, childcare and other commitments.

Separate from the lump sum; available in all strategies.

Annual changes
Earner 1 pay growth
Earner 2 pay growth
Living-cost inflation

Allocate monthly surplus

When income exceeds expenses and the required mortgage repayment, choose what happens to the difference.

When expenses exceed income: the model draws on available cash, then offset funds, then ETF holdings. Remaining unpaid requirements are recorded as financing needs with 12% modelled carrying interest. This is not an assumed loan approval.
02 / CAPITAL ALLOCATION

Mortgage & investment assumptions

Preserves the original $2 million lump-sum and $4 million mortgage limits.

Capital and loan

Lump sum available
Original mortgage balance
Hybrid strategy · initial ETF allocation

Tax and ETF ownership

Earner 1 marginal tax
Earner 2 marginal tax
ETF owned by earner 1
Annual ETF distribution yield
Distribution fraction franked
Savings rate before tax
Monthly offset fee

Cash interest is modelled at earner 1's marginal rate. Tax rates are simple effective assumptions; the calculator is not a personal tax return.

Future market assumptions

Historical years replay the existing data. After the replay ends, the model uses your projected return, not a claimed historical result.

Forward annual ETF return
Adjustment to every ETF annual return
03 / RISK MANAGEMENT

Stress tests and life events

See whether the strategy is still viable if markets fall, mortgage rates rise or one income disappears.

Shock / retirement begins
Additional one-year market fall
Extra mortgage interest for 3 years
Earner 2 without income
04 / INTEREST RATE PATH

Annual mortgage interest rates

Edit any simulated year from 2015 through 2044. Cases retain their own rate histories.

Annual-rate editor

Individual rates apply to the selected case.

Mortgage interest rate—

Defaults retain the previously entered case-series estimates. They are illustrative annual snapshots, not a verified month-by-month mortgage history. The case's interest-rate stress-test adds to these annual rates where applicable.

05 / DECISION DETAIL

Affordability and year-by-year outcomes

Inspect a strategy and year to see exactly how household income covers recurring costs.

Household monthly income—
Living costs—
Mortgage repayment—
Offset fee—
Total monthly expenses—
MONTHLY SURPLUS / DEFICIT
—

Position at the end of selected year

Mortgage outstanding—
Offset balance—
Cash savings—
ETF after assumed sale tax—
Unfunded cash liability—
After-tax net wealth—
30-year strategy risk summary
Months with negative routine cash flow—
Months with uncovered funding needs—
Mortgage-free year—
Minimum accessible liquidity—

Monthly cash-flow trajectory

First month of each simulation year, selected strategy

Comparison across historical cases

30-year nominal financial wealth using common household inputs and different historical replay paths.

The ranking will update when you change assumptions.
Model limitations. This is an illustrative planning calculator, not personal financial or taxation advice. Historical share returns and mortgage rates reproduce the prior conversation's unverified assumption arrays. VAS did not operate in 1985. The 2026 proxy is an indicative annual model input, not a complete audited calendar-year record. Investment distributions, franking credits, capital gains, mortgage amortisation and cash interest use simplifying approximations; this is not an Australian tax return or a true bank loan schedule. Stress tests are deterministic, not statistical probabilities. Data stays in this browser unless you explicitly export it or upload this static application somewhere. Only assumptions are saved locally; the site does not transmit your finance inputs.