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Resources

Tools & Calculators

In this section you will find various financial calculators – in conjunction with your Financial Adviser,
these calculators can help you to compare various situations and scenarios, and give you some guidance to make the right financial decisions.

Simply click on the links below to see all of the financial calculators within that section.

Superannuation

Superannuation is one of your biggest assets – in fact, it’s your final paycheck!
Below are some calculators to help you understand the true value of Superannuation, and ways to boost your Super balance in the most effective way.

Employer Contributions Calculator

The contributions your employer makes into your superannuation account is an important part of your retirement savings.
The following employer contributions calculator is useful if you want to work out how much superannuation you should be getting from your employer,
to ensure you are receiving the correct amount.

This online calculator is provided through MoneySmart from ASIC the financial regulator.

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Super Co-Contribution Calculator

The Government co-contribution can boost your superannuation if you are eligible.

The following superannuation co-contribution calculator is useful if you want to find out how much government co-contribution you can get when you make extra payments into your super account.

This online calculator is provided through MoneySmart from ASIC the financial regulator.

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Super Contributions Optimiser

Making additional contributions to your superannuation fund is a great way to boost your retirement savings.

The following superannuation contributions optimiser is useful if you want to find out what type of superannuation contributions will give you the most spending money in retirement.

This online calculator is provided through MoneySmart from ASIC the financial regulator.

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Super Vs. Mortgage Calculator

Many people wonder if they should put more money into their superannuation or pay off their mortgage quicker.

The following super versus mortgage calculator is useful if you need help to work out if you will be better off putting spare money into your super or your mortgage.

This online calculator is provided through MoneySmart from ASIC the financial regulator.

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Superannuation Calculator

Superannuation is an important vehicle to help you fund income for your retirement.

When selecting the appropriate superannuation account, fees are just one of many factors you need to consider. You and your financial adviser also need to consider the features and benefits, estate planning options and investment choices.

The following superannuation calculator is useful if you:

want to see how much super you might have when you retire
how fees affect your final payout.
This online calculator is provided through MoneySmart from ASIC the financial regulator.

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Borrowing and Credit

Approximately 72% of households in Australia have some debt, that is, loans outstanding for houses, cars, investment study or other purposes,
or money owing on credit cards.

If debt is of a personal nature i.e. personal credit card, mortgage for the residential house etc. then this debt is not tax deductible. On the flip side, debt of an investment nature i.e. investment property debt, margin loans for a share portfolio, IS tax deductible. Getting the right structure for any debt within your complete financial plan is a very important step. Your Financial Adviser can work with your Accountant to ensure you have the most appropriate and effective structure in place.

Below is a link to a Mortgage calculator which will give you an idea of how much you could potentially borrow, what your repayments would be, and how repayments would change if interest rates were to change.

Mortgage Calculator

Taking out a mortgage to build a home or purchase an existing property is a big financial commitment.
The following mortgage calculator is useful if you want to know:

• How much you can afford to borrow
• What your repayments will be
• What your repayments will be if interest rates change.

This online calculator is provided through MoneySmart from ASIC the financial regulator.

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Managing my Money

No matter how much or how little money you have, being able to properly manage your money, understanding how your income and expenses work,
and working to a set budget increases your ability to reach your financial and lifestyle goals.

In this section you will find various financial calculators to help you understand where your money goes and play with various scenarios to see what a difference a little extra saving, or a little less debt/interest, could achieve for you.

Budget Planner

No matter how much money you have, a budget planner is a useful tool to help you see how your income and expenses work. Having control of your money increases your ability to reach your financial and lifestyle goals.

The following budget planner is useful if you want to:

• Understand where your money is going
• Identify spending priorities
• Identify where savings might come from

You should regularly review your budget to update any changes in your finances, and keep track of where your money is going. You might also like to print a copy and keep it somewhere visible at home to help you stay on track with your financial goals.

If you need financial advice in regards to your own budget planning, we will be happy to book an appointment to begin working with you to create a financial plan that’s right for you.

To get started, please contact us.

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First Home Saver Calculator

Saving for a deposit on your first home is one of life’s milestones. The more you save, the less you need to borrow.

The following first home saver calculator is useful if you want to find out if you can use a first home saver account to boost your savings to buy your first home.

This online calculator is provided through MoneySmart from ASIC the financial regulator.

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Income Tax Calculator

Income tax is the amount of money you will pay on your income. The following income tax calculator is useful if you want to find out how much tax you will pay on your employment income this year.

This online calculator is provided through MoneySmart from ASIC the financial regulator.

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Savings Goals Calculator

Saving to reach a goal is both exciting and rewarding. Best of all, you can reach your goals sooner by earning interest.

The following savings goals calculator is useful if you want to know:

what it will take to reach your savings goals
how long it will take you
the steps you need to take to put your plan into action.
This online calculator is provided through MoneySmart from ASIC the financial regulator.

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Your Net Worth Calculator

The sum of all of your savings and assets minus your debts and liabilities is called your net worth.

The following net worth calculator is useful if you want to get a quick snapshot of your net worth.

This online calculator is provided through MoneySmart from ASIC the financial regulator.

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Compound Interest Calculator

Compound interest is the interest paid not only on the amount you invest but also on the interest you earn – interest on the interest.

The following compound interest calculator is useful if you want to:

find out when you will reach your savings goals
play with different scenarios.
This online calculator is provided through MoneySmart from ASIC the financial regulator.

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Retirement

There are lots of things to consider when planning for retirement – the value of your current superannuation and investments, your income in retirement, Centrelink opportunities and the best retirement income structures to use to name a few.

There are also rules around when you can access your superannuation and Centrelink benefits, such as the aged pension. Below are two calculators you can use to get an idea of what’s involved, when you could potentially retire and what you need to do to get there.

Investing

There are lots of things to consider when planning for retirement – the value of your current superannuation and investments, your income in retirement, Centrelink opportunities and the best retirement income structures to use to name a few.

There are also rules around when you can access your superannuation and Centrelink benefits, such as the aged pension. Below are two calculators you can use to get an idea of what’s involved, when you could potentially retire and what you need to do to get there.

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