Navarino Wealth — Mortgage vs Invest Calculator

A projection using assumptions you choose. Markets vary; paying down the loan does not — general information, not personal advice.

Needs three things: loan balance, interest rate and spare cash.

Your mortgage

Loan balance owingrequired

Interest rate (% p.a.)required

Years left on the loan

Loan is on

Spare cash you could put to workrequired

What you'd either put on the loan or invest. Not sure? The Budget & Cashflow tool works it out.

Your tax position

Your taxable income

Partner's taxable income (optional)

Invest through

Trust beneficiary's tax rate

Company tax rate

Show the company result after paying the money out to you as a franked dividend

Your date of birth (for super access)

Super already going in this year (employer + salary sacrifice)

Your investment assumptions

Expected return (% p.a.)

Drag the return 7.5%

Drag it and watch the verdict flip.

of which income / dividends (% p.a.)

Dividends franked (%)

Compare over (years)

Inflation / wage growth (% p.a.)

Show results in today's dollars

Both options use the same dollars over the same period — once the loan is gone, the freed-up repayment is invested too. Return is before tax and after fees; dividends reinvested.

Enter your loan balance, interest rate and spare cash above to see the return you'd need to beat it.

Your details

Your name Your email

Only needed if you'd like us to email or save your results.

Get your results

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Company

Which way this goes depends on your other debt, your job security, and how you'd feel in a bad year. That's the conversation, not the calculator.

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Figures as at 5 August 2026, using 2026–27 tax rates. Assumes constant returns and rates throughout; income taxed yearly, capital gains only at the end. Excludes loan and transaction costs, stamp duty, and changes to legislation. General information only — not personal advice. Navarino Wealth Pty Ltd.

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This tool shows the general picture — a short chat shows what it means for you. The first meeting is complimentary and no-obligation.

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Related tools: Budget & Cashflow · Income Tax Calculator · Super Contribution Strategy

Please read this before you act on any number above. This superannuation calculator is not intended to be relied on for the purpose of making a decision in relation to a financial product, and you should consider obtaining advice from a financial services licensee before making any financial decisions. The assumptions it uses, and its limitations, are set out on this page — please read them, because they change the answer. Separately, any general advice here has been prepared without taking account of your objectives, financial situation or needs; consider whether it is appropriate for you before acting on it.