Invest with
open numbers.
Franking credits, dollar-cost averaging, term deposits, ETF fees, FIRE targets and margin loans — built for Australian investors.
Australians now hold $330 billion in ETFs.
The exchange-traded fund has become the default way to own a diversified slice of the market, and more than 10 million of us now invest outside super. Australia’s imputation system also makes the after-tax return genuinely different, so it is worth modelling what franking credits add to a dividend, how a fractional management fee compounds over 30 years, whether drip-feeding in beats holding out for a dip, and the number that lets you stop — your FIRE target.
Where new ETF money went in 2025
Net inflows into equity ETFs tilted global. International share funds drew $20.9bn of new money over the year against $13.2bn for Australian share funds — investors reaching past the home market’s bank-and-miner concentration. Leverage magnifies both directions, which the margin loan calculator lays bare; for money you cannot put at risk, a term deposit still has its place.
All Investment calculators
6 calculatorsFranking Credits Calculator
Calculate the value of franking credits on Australian dividends.
Dollar Cost Averaging Calculator
Compare regular DCA investing against a lump sum.
Term Deposit Calculator
Calculate interest earned on a term deposit at maturity.
ETF Fee Impact Calculator
See how management fees erode returns over 10, 20 and 30 years.
FIRE Calculator
Calculate your FIRE number and years to financial independence.
Margin Loan Calculator
Compare leveraged vs unleveraged investment returns and margin call risk.
Australian Investment Calculators — 2026–27
Australia has a highly engaged investing population, with millions of Australians holding shares directly or through ETFs and managed funds. The Australian tax system also has unique features — particularly franking credits — that can significantly alter the after-tax return on Australian equities. These calculators are designed for Australian investors navigating the local tax and market environment.
Australian Dividend Investing and Franking Credits
Australia's dividend imputation system means that when an Australian company pays tax on its profits and then pays a dividend, it can attach a franking credit representing the tax already paid. Individual investors can use that credit to offset their income tax — and if the credit exceeds the tax owed, receive a refund. The Franking Credits Calculator calculates the grossed-up value of a dividend and the credit available at your marginal tax rate. Fully franked dividends from major ASX companies can be worth significantly more than their face value to investors on lower marginal rates.
ETFs and Long-Term Investing
Exchange-Traded Funds (ETFs) have become the default vehicle for Australian retail investors seeking broad diversification. Management fees — the MER — seem small in isolation, but over decades they compound into a substantial drag on returns. The ETF Fee Impact Calculator illustrates the difference in final portfolio value between low-cost and higher-cost funds over 10, 20 and 30 years. The Dollar Cost Averaging Calculator models the strategy of investing a fixed amount regularly, removing the risk of committing a lump sum at the worst possible moment.
FIRE and Financial Independence
The FIRE (Financial Independence, Retire Early) movement has a significant following in Australia. The FIRE Calculator calculates your FIRE number — typically 25 times annual expenses — and models how long it will take to reach that milestone based on current savings, investment returns and annual contributions. For higher-risk strategies, the Margin Loan Calculator illustrates both the amplified return potential and the margin call risk of leveraged investing.