Finance Tools
Investment Options Calculator
Compare different investment strategies and see how your money can grow
Investment Details
Investment Comparison
| Investment Type | Return Rate | Investment Returns | Tax Paid | Final Value (After Tax) | Difference vs Mattress |
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Final Value Comparison
Best Option
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Maximum Gain
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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.