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Mortgage vs Investment Calculator

Compare the 10-year financial outcome of paying down your home loan versus investing in shares or superannuation. CGT calculated on disposal using the indexation method (2026/27 Budget rules).

Your situation
Contributed at end of each month
Used for CGT indexation of cost base
2026/27 Budget CGT rules: Capital gains are indexed by CPI on a per-contribution basis (each dollar invested has its cost base inflated for the period it was held). The real gain — nominal gain minus inflation adjustment — is taxed at the higher of your marginal tax rate or 30% minimum. CGT is deferred and only applied on disposal at each year-end snapshot.
Investment assumptions
Non-super (shares / ETFs)
Taxed annually at MTR, reinvested
CGT deferred — indexation on disposal
0–100%
Superannuation (non-concessional)
Taxed at 15% annually, reinvested
CGT deferred — indexation on disposal
Super contributions are non-concessional (after-tax money, no entry tax). Dividend income taxed at 15% annually; franking credits refunded into the fund. Capital gains indexed on a per-contribution basis and taxed at the higher of 15% fund rate or 30% minimum on disposal.
10-year outcome summary (after CGT — indexation method)
Mortgage paydown Non-super (after CGT) Superannuation (after CGT)
Year-by-year breakdown (after CGT)
Year Mortgage benefit Non-super (after CGT) Superannuation (after CGT) Best outcome

This calculator is provided by Construct Wealth for educational purposes only and does not constitute financial advice. CGT indexation rules are based on the 2026/27 Federal Budget announcement and are subject to legislative change. Results do not account for all individual circumstances including existing super balances, non-concessional contribution caps, or personal cash flow needs. Please speak with a Construct Wealth adviser before making financial decisions.

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