Investment Options Calculator

Compare different investment strategies and see how your money can grow

Investment Details

Investment Amount ($)

How Often?

For How Long? (years)

Investment Parameters

Savings Rate (%) Typical high-interest savings

ETF Return (%) Historical average

Super Return (%) With tax benefits

Tax Rate (%) Your marginal tax rate

Investment Comparison

Investment Type	Return Rate	Investment Returns	Tax Paid	Final Value (After Tax)	Difference vs Mattress

Final Value Comparison

Best Option

-

Maximum Gain

-

Compared to keeping under mattress

All Investment Options Compared

Understanding the Options

Under a Mattress: No returns, no growth - just your savings sitting idle
Savings Account: Low-risk, government-guaranteed up to $250k, easy access to funds. Interest is taxed at your marginal tax rate.
ETFs (Exchange-Traded Funds): Diversified market exposure, moderate risk, liquid investment. Capital gains benefit from 50% CGT discount if held >12 months.
Superannuation: Tax-advantaged long-term growth with earnings taxed at just 15%. Important restrictions: Annual contribution caps apply (currently $30k concessional, $120k non-concessional), and funds are generally locked until preservation age (typically 60).

Disclaimer - Not Financial Advice

This calculator is for educational purposes only and does not constitute financial advice. These calculations are estimates based on historical averages and assumptions. Actual investment returns vary significantly and past performance does not guarantee future results. Investment involves risk, including the potential loss of principal. Please consult a licensed financial advisor for personalized advice tailored to your individual circumstances.