Debt Recycling Calculator
This wealth strategy simulator is an educational tool only. It has been designed to illustrate potential outcomes across different wealth-building strategies and is intended to assist in understanding how these strategies may work in general terms.
The information provided by this simulator does not constitute financial product advice, legal advice, or any other form of professional advice. It does not take into account your personal financial situation, objectives, needs, or circumstances.
All projections are based on assumptions and simplified models. Actual outcomes will differ. Past performance and modelled returns are not reliable indicators of future performance.
Before making any financial decisions, you should seek advice from a licensed and qualified financial adviser who can assess your individual circumstances.
Plan your wealth strategy
20-year projection across three wealth-building approaches — all values in today's dollars
20-year projection — Scenario 1
Year-by-year breakdown
All scenarios — year 20 comparison
| Scenario | Strategy | Total assets | Total debt | Net worth | vs Scenario 1 |
|---|
| Option | Benchmark | Total return | Income yield | Capital growth |
|---|---|---|---|---|
| Income | S&P/ASX 300 index (long-term avg) | 9.0% | 4.5% | 4.5% |
| Balanced | High Growth Composite Index ? High Growth Composite Index comprises of (weight/index):36% S&P/ASX300 Index, 26.5% MSCI World ex-Australia Index (with net dividends reinvested) in Australian dollars, 16% MSCI World ex-Australia Index (with net dividends reinvested) hedged to Australian dollars, 6.5% MSCI World ex-Australia Small Cap Index (with net dividends reinvested) in Australian dollars, 5% MSCI Emerging Markets Index (with net dividends reinvested) in Australian dollars, 3% Bloomberg AusBond Composite 0+ Yr Index, 7% Bloomberg Global Aggregate Float-Adjusted and Scaled Index hedged to Australian dollars | 9.5% | 3.0% | 6.5% |
| Growth | MSCI World ex-Australia index (long-term avg) | 10.2% | 1.5% | 8.7% |
Return assumptions based on long-term historical averages for each benchmark. Past performance is not a reliable indicator of future performance. Distributions are taxed at the user's marginal rate annually. AU equities distributions are 70% franked (30% corporate tax rate). Investment loan interest is fully tax deductible and reduces taxable income each year.
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