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Variables
Scenario 1: All in offset
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Mortgage $ 1,000,000.00 MonthMortage BalanceMinimal RepaymentOffset PaymentOffset BalanceInterestHome ValueShare bought
Share Capital Growth
Share Dividend Growth
Share PortfolioTotal Net Worth
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Home Value $ 1,300,000.00 0 $ (1,000,000.00)$6,443.01 $ 1,000.00 $ 1,000.00 $ (4,995.00) $ 1,300,000.00 $ - $ - $ 301,000.00
4
Home Growth7%1 $ (998,551.99)$6,443.01 $ 1,000.00 $ 2,000.00 $ (4,982.76) $ 1,307,350.39 $ - $ - $ - $ - $ 310,798.40
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Mortgage Interest6%2 $ (997,091.73)$6,443.01 $ 1,000.00 $ 3,000.00 $ (4,970.46) $ 1,314,742.34 $ - $ - $ - $ - $ 320,650.61
6
Offset Initial Balance $ - 3 $ (995,619.18)$6,443.01 $ 1,000.00 $ 4,000.00 $ (4,958.10) $ 1,322,176.08 $ - $ - $ - $ - $ 330,556.91
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Share / Offset Repayment10004 $ (994,134.26)$6,443.01 $ 1,000.00 $ 5,000.00 $ (4,945.67) $ 1,329,651.86 $ - $ - $ - $ - $ 340,517.60
8
Share Annual Growth (capital gains)5.00%5 $ (992,636.92)$6,443.01 $ 1,000.00 $ 6,000.00 $ (4,933.18) $ 1,337,169.90 $ - $ - $ - $ - $ 350,532.99
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Share Annual Growth (dividend, pretax)3.00%6 $ (991,127.09)$6,443.01 $ 1,000.00 $ 7,000.00 $ (4,920.64) $ 1,344,730.46 $ - $ - $ - $ - $ 360,603.37
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Total Share Annual Growth8.00%7 $ (989,604.71)$6,443.01 $ 1,000.00 $ 8,000.00 $ (4,908.02) $ 1,352,333.76 $ - $ - $ - $ - $ 370,729.05
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Income Bracket47%8 $ (988,069.72)$6,443.01 $ 1,000.00 $ 9,000.00 $ (4,895.35) $ 1,359,980.05 $ - $ - $ - $ - $ 380,910.33
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9 $ (986,522.05)$6,443.01 $ 1,000.00 $ 10,000.00 $ (4,882.61) $ 1,367,669.57 $ - $ - $ - $ - $ 391,147.52
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Calculated10 $ (984,961.65)$6,443.01 $ 1,000.00 $ 11,000.00 $ (4,869.81) $ 1,375,402.58 $ - $ - $ - $ - $ 401,440.93
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Total Share Capital Gain $ 101,951.97 11 $ (983,388.44)$6,443.01 $ 1,000.00 $ 12,000.00 $ (4,856.94) $ 1,383,179.30 $ - $ - $ - $ - $ 411,790.86
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Tax with CGT discount $ 23,958.71 12 $ (981,802.37)$6,443.01 $ 1,000.00 $ 13,000.00 $ (4,844.01) $ 1,391,000.00 $ - $ - $ - $ - $ 422,197.63
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Post Tax Final Portfolio (liquidated)
 $ 7,739,477.57 13 $ (980,203.37)$6,443.01 $ 1,000.00 $ 14,000.00 $ (4,831.02) $ 1,398,864.92 $ - $ - $ - $ - $ 432,661.55
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Post Tax Final Portfolio (unliquidated) $ 7,763,436.28 14 $ (978,591.37)$6,443.01 $ 1,000.00 $ 15,000.00 $ (4,817.96) $ 1,406,774.30 $ - $ - $ - $ - $ 443,182.93
18
15 $ (976,966.31)$6,443.01 $ 1,000.00 $ 16,000.00 $ (4,804.83) $ 1,414,728.41 $ - $ - $ - $ - $ 453,762.09
19
16 $ (975,328.13)$6,443.01 $ 1,000.00 $ 17,000.00 $ (4,791.64) $ 1,422,727.49 $ - $ - $ - $ - $ 464,399.36
20
17 $ (973,676.76)$6,443.01 $ 1,000.00 $ 18,000.00 $ (4,778.38) $ 1,430,771.80 $ - $ - $ - $ - $ 475,095.04
21
18 $ (972,012.13)$6,443.01 $ 1,000.00 $ 19,000.00 $ (4,765.06) $ 1,438,861.59 $ - $ - $ - $ - $ 485,849.46
22
19 $ (970,334.17)$6,443.01 $ 1,000.00 $ 20,000.00 $ (4,751.67) $ 1,446,997.12 $ - $ - $ - $ - $ 496,662.95
23
20 $ (968,642.83)$6,443.01 $ 1,000.00 $ 21,000.00 $ (4,738.21) $ 1,455,178.65 $ - $ - $ - $ - $ 507,535.82
24
21 $ (966,938.03)$6,443.01 $ 1,000.00 $ 22,000.00 $ (4,724.69) $ 1,463,406.44 $ - $ - $ - $ - $ 518,468.41
25
22 $ (965,219.71)$6,443.01 $ 1,000.00 $ 23,000.00 $ (4,711.10) $ 1,471,680.76 $ - $ - $ - $ - $ 529,461.05
26
23 $ (963,487.79)$6,443.01 $ 1,000.00 $ 24,000.00 $ (4,697.44) $ 1,480,001.85 $ - $ - $ - $ - $ 540,514.06
27
24 $ (961,742.22)$6,443.01 $ 1,000.00 $ 25,000.00 $ (4,683.71) $ 1,488,370.00 $ - $ - $ - $ - $ 551,627.78
28
25 $ (959,982.91)$6,443.01 $ 1,000.00 $ 26,000.00 $ (4,669.91) $ 1,496,785.46 $ - $ - $ - $ - $ 562,802.55
29
26 $ (958,209.81)$6,443.01 $ 1,000.00 $ 27,000.00 $ (4,656.05) $ 1,505,248.50 $ - $ - $ - $ - $ 574,038.69
30
27 $ (956,422.85)$6,443.01 $ 1,000.00 $ 28,000.00 $ (4,642.11) $ 1,513,759.40 $ - $ - $ - $ - $ 585,336.55
31
28 $ (954,621.95)$6,443.01 $ 1,000.00 $ 29,000.00 $ (4,628.11) $ 1,522,318.41 $ - $ - $ - $ - $ 596,696.46
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29 $ (952,807.05)$6,443.01 $ 1,000.00 $ 30,000.00 $ (4,614.04) $ 1,530,925.82 $ - $ - $ - $ - $ 608,118.78
33
30 $ (950,978.07)$6,443.01 $ 1,000.00 $ 31,000.00 $ (4,599.89) $ 1,539,581.90 $ - $ - $ - $ - $ 619,603.83
34
31 $ (949,134.94)$6,443.01 $ 1,000.00 $ 32,000.00 $ (4,585.67) $ 1,548,286.92 $ - $ - $ - $ - $ 631,151.98
35
32 $ (947,277.60)$6,443.01 $ 1,000.00 $ 33,000.00 $ (4,571.39) $ 1,557,041.16 $ - $ - $ - $ - $ 642,763.55
36
33 $ (945,405.98)$6,443.01 $ 1,000.00 $ 34,000.00 $ (4,557.03) $ 1,565,844.90 $ - $ - $ - $ - $ 654,438.92
37
34 $ (943,519.99)$6,443.01 $ 1,000.00 $ 35,000.00 $ (4,542.60) $ 1,574,698.41 $ - $ - $ - $ - $ 666,178.42
38
35 $ (941,619.58)$6,443.01 $ 1,000.00 $ 36,000.00 $ (4,528.10) $ 1,583,601.98 $ - $ - $ - $ - $ 677,982.40
39
36 $ (939,704.66)$6,443.01 $ 1,000.00 $ 37,000.00 $ (4,513.52) $ 1,592,555.90 $ - $ - $ - $ - $ 689,851.24
40
37 $ (937,775.17)$6,443.01 $ 1,000.00 $ 38,000.00 $ (4,498.88) $ 1,601,560.44 $ - $ - $ - $ - $ 701,785.27
41
38 $ (935,831.03)$6,443.01 $ 1,000.00 $ 39,000.00 $ (4,484.16) $ 1,610,615.90 $ - $ - $ - $ - $ 713,784.86
42
39 $ (933,872.18)$6,443.01 $ 1,000.00 $ 40,000.00 $ (4,469.36) $ 1,619,722.55 $ - $ - $ - $ - $ 725,850.38
43
40 $ (931,898.52)$6,443.01 $ 1,000.00 $ 41,000.00 $ (4,454.49) $ 1,628,880.70 $ - $ - $ - $ - $ 737,982.18
44
41 $ (929,910.00)$6,443.01 $ 1,000.00 $ 42,000.00 $ (4,439.55) $ 1,638,090.63 $ - $ - $ - $ - $ 750,180.63
45
42 $ (927,906.54)$6,443.01 $ 1,000.00 $ 43,000.00 $ (4,424.53) $ 1,647,352.63 $ - $ - $ - $ - $ 762,446.09
46
43 $ (925,888.06)$6,443.01 $ 1,000.00 $ 44,000.00 $ (4,409.44) $ 1,656,667.00 $ - $ - $ - $ - $ 774,778.95
47
44 $ (923,854.48)$6,443.01 $ 1,000.00 $ 45,000.00 $ (4,394.27) $ 1,666,034.04 $ - $ - $ - $ - $ 787,179.56
48
45 $ (921,805.74)$6,443.01 $ 1,000.00 $ 46,000.00 $ (4,379.03) $ 1,675,454.04 $ - $ - $ - $ - $ 799,648.30
49
46 $ (919,741.76)$6,443.01 $ 1,000.00 $ 47,000.00 $ (4,363.71) $ 1,684,927.30 $ - $ - $ - $ - $ 812,185.54
50
47 $ (917,662.45)$6,443.01 $ 1,000.00 $ 48,000.00 $ (4,348.31) $ 1,694,454.12 $ - $ - $ - $ - $ 824,791.67
51
48 $ (915,567.75)$6,443.01 $ 1,000.00 $ 49,000.00 $ (4,332.84) $ 1,704,034.81 $ - $ - $ - $ - $ 837,467.06
52
49 $ (913,457.57)$6,443.01 $ 1,000.00 $ 50,000.00 $ (4,317.29) $ 1,713,669.67 $ - $ - $ - $ - $ 850,212.10
53
50 $ (911,331.85)$6,443.01 $ 1,000.00 $ 51,000.00 $ (4,301.66) $ 1,723,359.01 $ - $ - $ - $ - $ 863,027.16
54
51 $ (909,190.49)$6,443.01 $ 1,000.00 $ 52,000.00 $ (4,285.95) $ 1,733,103.13 $ - $ - $ - $ - $ 875,912.64
55
52 $ (907,033.43)$6,443.01 $ 1,000.00 $ 53,000.00 $ (4,270.17) $ 1,742,902.35 $ - $ - $ - $ - $ 888,868.92
56
53 $ (904,860.58)$6,443.01 $ 1,000.00 $ 54,000.00 $ (4,254.30) $ 1,752,756.97 $ - $ - $ - $ - $ 901,896.39
57
54 $ (902,671.87)$6,443.01 $ 1,000.00 $ 55,000.00 $ (4,238.36) $ 1,762,667.32 $ - $ - $ - $ - $ 914,995.44
58
55 $ (900,467.22)$6,443.01 $ 1,000.00 $ 56,000.00 $ (4,222.34) $ 1,772,633.69 $ - $ - $ - $ - $ 928,166.48
59
56 $ (898,246.54)$6,443.01 $ 1,000.00 $ 57,000.00 $ (4,206.23) $ 1,782,656.42 $ - $ - $ - $ - $ 941,409.88
60
57 $ (896,009.76)$6,443.01 $ 1,000.00 $ 58,000.00 $ (4,190.05) $ 1,792,735.82 $ - $ - $ - $ - $ 954,726.06
61
58 $ (893,756.79)$6,443.01 $ 1,000.00 $ 59,000.00 $ (4,173.78) $ 1,802,872.21 $ - $ - $ - $ - $ 968,115.42
62
59 $ (891,487.56)$6,443.01 $ 1,000.00 $ 60,000.00 $ (4,157.44) $ 1,813,065.91 $ - $ - $ - $ - $ 981,578.35
63
60 $ (889,201.99)$6,443.01 $ 1,000.00 $ 61,000.00 $ (4,141.01) $ 1,823,317.25 $ - $ - $ - $ - $ 995,115.26
64
61 $ (886,899.98)$6,443.01 $ 1,000.00 $ 62,000.00 $ (4,124.50) $ 1,833,626.55 $ - $ - $ - $ - $ 1,008,726.57
65
62 $ (884,581.47)$6,443.01 $ 1,000.00 $ 63,000.00 $ (4,107.91) $ 1,843,994.14 $ - $ - $ - $ - $ 1,022,412.67
66
63 $ (882,246.36)$6,443.01 $ 1,000.00 $ 64,000.00 $ (4,091.23) $ 1,854,420.35 $ - $ - $ - $ - $ 1,036,173.99
67
64 $ (879,894.58)$6,443.01 $ 1,000.00 $ 65,000.00 $ (4,074.47) $ 1,864,905.52 $ - $ - $ - $ - $ 1,050,010.93
68
65 $ (877,526.04)$6,443.01 $ 1,000.00 $ 66,000.00 $ (4,057.63) $ 1,875,449.96 $ - $ - $ - $ - $ 1,063,923.92
69
66 $ (875,140.66)$6,443.01 $ 1,000.00 $ 67,000.00 $ (4,040.70) $ 1,886,054.03 $ - $ - $ - $ - $ 1,077,913.37
70
67 $ (872,738.34)$6,443.01 $ 1,000.00 $ 68,000.00 $ (4,023.69) $ 1,896,718.05 $ - $ - $ - $ - $ 1,091,979.71
71
68 $ (870,319.02)$6,443.01 $ 1,000.00 $ 69,000.00 $ (4,006.60) $ 1,907,442.37 $ - $ - $ - $ - $ 1,106,123.35
72
69 $ (867,882.60)$6,443.01 $ 1,000.00 $ 70,000.00 $ (3,989.41) $ 1,918,227.33 $ - $ - $ - $ - $ 1,120,344.72
73
70 $ (865,429.00)$6,443.01 $ 1,000.00 $ 71,000.00 $ (3,972.15) $ 1,929,073.26 $ - $ - $ - $ - $ 1,134,644.26
74
71 $ (862,958.13)$6,443.01 $ 1,000.00 $ 72,000.00 $ (3,954.79) $ 1,939,980.53 $ - $ - $ - $ - $ 1,149,022.39
75
72 $ (860,469.91)$6,443.01 $ 1,000.00 $ 73,000.00 $ (3,937.35) $ 1,950,949.46 $ - $ - $ - $ - $ 1,163,479.55
76
73 $ (857,964.25)$6,443.01 $ 1,000.00 $ 74,000.00 $ (3,919.82) $ 1,961,980.41 $ - $ - $ - $ - $ 1,178,016.16
77
74 $ (855,441.05)$6,443.01 $ 1,000.00 $ 75,000.00 $ (3,902.21) $ 1,973,073.73 $ - $ - $ - $ - $ 1,192,632.68
78
75 $ (852,900.24)$6,443.01 $ 1,000.00 $ 76,000.00 $ (3,884.50) $ 1,984,229.78 $ - $ - $ - $ - $ 1,207,329.53
79
76 $ (850,341.73)$6,443.01 $ 1,000.00 $ 77,000.00 $ (3,866.71) $ 1,995,448.90 $ - $ - $ - $ - $ 1,222,107.17
80
77 $ (847,765.43)$6,443.01 $ 1,000.00 $ 78,000.00 $ (3,848.83) $ 2,006,731.46 $ - $ - $ - $ - $ 1,236,966.03
81
78 $ (845,171.24)$6,443.01 $ 1,000.00 $ 79,000.00 $ (3,830.86) $ 2,018,077.81 $ - $ - $ - $ - $ 1,251,906.57
82
79 $ (842,559.08)$6,443.01 $ 1,000.00 $ 80,000.00 $ (3,812.80) $ 2,029,488.32 $ - $ - $ - $ - $ 1,266,929.23
83
80 $ (839,928.86)$6,443.01 $ 1,000.00 $ 81,000.00 $ (3,794.64) $ 2,040,963.34 $ - $ - $ - $ - $ 1,282,034.48
84
81 $ (837,280.49)$6,443.01 $ 1,000.00 $ 82,000.00 $ (3,776.40) $ 2,052,503.24 $ - $ - $ - $ - $ 1,297,222.75
85
82 $ (834,613.88)$6,443.01 $ 1,000.00 $ 83,000.00 $ (3,758.07) $ 2,064,108.39 $ - $ - $ - $ - $ 1,312,494.51
86
83 $ (831,928.94)$6,443.01 $ 1,000.00 $ 84,000.00 $ (3,739.64) $ 2,075,779.16 $ - $ - $ - $ - $ 1,327,850.23
87
84 $ (829,225.57)$6,443.01 $ 1,000.00 $ 85,000.00 $ (3,721.13) $ 2,087,515.92 $ - $ - $ - $ - $ 1,343,290.35
88
85 $ (826,503.68)$6,443.01 $ 1,000.00 $ 86,000.00 $ (3,702.52) $ 2,099,319.04 $ - $ - $ - $ - $ 1,358,815.36
89
86 $ (823,763.19)$6,443.01 $ 1,000.00 $ 87,000.00 $ (3,683.82) $ 2,111,188.89 $ - $ - $ - $ - $ 1,374,425.71
90
87 $ (821,003.99)$6,443.01 $ 1,000.00 $ 88,000.00 $ (3,665.02) $ 2,123,125.86 $ - $ - $ - $ - $ 1,390,121.87
91
88 $ (818,225.99)$6,443.01 $ 1,000.00 $ 89,000.00 $ (3,646.13) $ 2,135,130.32 $ - $ - $ - $ - $ 1,405,904.33
92
89 $ (815,429.11)$6,443.01 $ 1,000.00 $ 90,000.00 $ (3,627.15) $ 2,147,202.66 $ - $ - $ - $ - $ 1,421,773.55
93
90 $ (812,613.24)$6,443.01 $ 1,000.00 $ 91,000.00 $ (3,608.07) $ 2,159,343.26 $ - $ - $ - $ - $ 1,437,730.02
94
91 $ (809,778.29)$6,443.01 $ 1,000.00 $ 92,000.00 $ (3,588.89) $ 2,171,552.50 $ - $ - $ - $ - $ 1,453,774.20
95
92 $ (806,924.17)$6,443.01 $ 1,000.00 $ 93,000.00 $ (3,569.62) $ 2,183,830.77 $ - $ - $ - $ - $ 1,469,906.60
96
93 $ (804,050.78)$6,443.01 $ 1,000.00 $ 94,000.00 $ (3,550.25) $ 2,196,178.47 $ - $ - $ - $ - $ 1,486,127.69
97
94 $ (801,158.02)$6,443.01 $ 1,000.00 $ 95,000.00 $ (3,530.79) $ 2,208,595.98 $ - $ - $ - $ - $ 1,502,437.96
98
95 $ (798,245.79)$6,443.01 $ 1,000.00 $ 96,000.00 $ (3,511.23) $ 2,221,083.70 $ - $ - $ - $ - $ 1,518,837.91
99
96 $ (795,314.01)$6,443.01 $ 1,000.00 $ 97,000.00 $ (3,491.57) $ 2,233,642.03 $ - $ - $ - $ - $ 1,535,328.03
100
97 $ (792,362.56)$6,443.01 $ 1,000.00 $ 98,000.00 $ (3,471.81) $ 2,246,271.37 $ - $ - $ - $ - $ 1,551,908.81