Financial Calculators
Explore how offset accounts, extra repayments, and salary sacrifice can shape your financial future. Adjust the sliders to see your numbers update instantly.
Mortgage & Offset Calculator
See how your interest rate, loan term, offset balance, and extra repayments change what you pay over the life of your home loan.
Indicative only. Assumes a principal-and-interest loan with monthly compounding and a 100% offset facility. Your actual repayments may differ — speak to Harry for a tailored strategy.
Salary Sacrifice & Income Tax Calculator
Compare your take-home pay and tax bill with and without salary sacrificing into superannuation, using current Australian tax rates.
Concessional cap is $30,000 (incl. SG). Your cap room after Super Guarantee (13800): $16,200
Indicative only, based on 2024-25 Australian resident tax rates and the $30,000 concessional cap. Super contributions are taxed at 15% within the fund (30% for high-income earners over $250k). Does not include HECS/HELP, LITO, or offsets. Personal advice from Harry will reflect your exact circumstances.
These Tools Are Just the Beginning
Real strategy accounts for your full picture — super, debt, insurance, and estate planning together. Let Harry build a plan that delivers.