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Free SMSF Tools

SMSF Calculators

Free calculators to help you make informed decisions about your self-managed super fund

My SMSF — SMSF Calculators

Our SMSF calculators give every trustee access to powerful, easy-to-use tools — completely free. Whether you're just getting started or already managing an established fund, these calculators help you make smarter decisions about your self-managed super fund.

SMSF Borrowing

How much can your SMSF borrow?

Estimate your fund's SMSF borrowing capacity and monthly repayments

Contributions

What can you contribute?

Identify available super contributions and projected balance at retirement

Compare Returns

SMSF vs Retail Fund

Projected performance of SMSF-held assets vs industry funds

SMSF Cover

Check your Life / TPD

Review your SMSF life and TPD cover and compare provider quotes

SMSF Lending Calculator

Disclaimer: This calculator provides an estimate only. It is not intended as investment advice. Please consult a financial advisor for personalised guidance.

SMSF Super Contributions Calculator

Disclaimer: The information provided is for general purposes only. Users should seek independent financial advice before making any decisions.

SMSF vs Retail & Industry Fund Performance

Disclaimer: Performance calculations are based on historical average returns. Past performance is not indicative of future results.

SMSF Insurance Policy Review

Disclaimer: This calculator provides estimates only. Please consult with a licensed insurance advisor for personalised advice.

Get in Touch

Call or email us to discuss your SMSF needs. Our team responds within one business day.

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Comprehensive Loan Calculator

Comprehensive Loan Calculator

Lender
LVR
Rate
Name of Super Fund
Property Value
Deposit
Loan Amount
Interest Rate
Principal and Interest
Yes No
Income
Income (Single)
Rental Income
Super Contributions
Personal Contributions
Personal Contributions (Single)
Stamp Duty Fee (optional)
Loan Costs
Result
Loan Repayment Chart
Summary
Loan Amount:
Interest Costs:
Total Cost of Loan (Principal + Interest):
Years to Repay:
Months to Repay:
Monte Carlo Projection:
Amortization Schedule
Year Principal Interest Balance

Disclaimer: This calculator provides an estimate only. It is not intended as investment advice, and you should consult a financial advisor for personalized guidance. The calculator does not account for all possible fees, taxes, and charges, and the actual amounts may vary. The Monte Carlo simulation is based on historical data and should not be used as a sole indicator of future performance.

Method of Calculation: The loan repayment projections are calculated based on standard amortization formulas. The Monte Carlo simulation uses historical average property capital gains data from Australia since 1986.

Sources: Data for average property capital gains in Australia is sourced from [relevant source].

Projections Only: The results provided by this calculator are projections only and should not be considered as guarantees of future performance.

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My SMSF Super Contributions Calculator

My SMSF Super Contributions Calculator

Additional Questions

Disclaimer

The information provided by this calculator is for general information purposes only. It is not intended to be a substitute for professional financial advice. The calculations are based on the following sources and assumptions:

  • Employer superannuation contribution rate: 11.5% of income
  • Annual concessional contributions cap: $30,000 per financial year
  • Annual non-concessional contributions cap: $120,000 per financial year
  • Non-concessional contributions bring-forward rule: $360,000 over 3 years
  • Total super balance cap: $1.9 million per person
  • Government co-contribution and low-income offset values are based on general eligibility criteria available from the Australian Taxation Office (ATO)
  • Superannuation splitting rules and carry-forward unused super contributions are based on current Australian superannuation laws as of the latest update
  • All projections are simplified and may not account for all individual circumstances or changes in superannuation laws and market conditions

Users should seek independent financial advice before making any decisions based on the calculations provided by this tool.

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SMSF vs Retail and Industry Fund Performance Calculator

SMSF vs Retail and Industry Fund Performance Calculator

Results

Disclaimer: The performance calculations are based on historical average returns over the last 14 years for the chosen asset classes. This information is sourced from:

  • Bitcoin: CoinMarketCap
  • Gold: World Gold Council
  • Australian Residential Property: Australian Bureau of Statistics
  • Pink Diamonds: Diamond Selections

Past performance is not indicative of future results. Retail and industry fund performance data is sourced from Chant West Media Release.

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Insurance Policy Review Calculator

Insurance Policy Review Calculator

Provider Life Cover Amount TPD Cover Amount Monthly Premium Annual Premium SMSF Tax Deduction