Investment Calculator — Australia
Project an existing investment plus regular contributions outside super — with fees, inflation and the CGT discount included.
Published by GrowThenDraw Editorial Team · Editorial policy · Methodology & sources
If you sold everything at the end (one tax year, taxable account): estimated tax $5,997 — you keep $91,486.
| Year | Invested | Value | Gain |
|---|---|---|---|
| 1 | $6,000 | $6,301 | $301 |
| 2 | $12,000 | $13,192 | $1,192 |
| 3 | $18,000 | $20,731 | $2,731 |
| 4 | $24,000 | $28,976 | $4,976 |
| 5 | $30,000 | $37,995 | $7,995 |
| 6 | $36,000 | $47,860 | $11,860 |
| 7 | $42,000 | $58,650 | $16,650 |
| 8 | $48,000 | $70,453 | $22,453 |
| 9 | $54,000 | $83,362 | $29,362 |
| 10 | $60,000 | $97,483 | $37,483 |
You already invest every payday
Twelve per cent of your wage flows into super whether you think about it or not — Australians are automatic investors by law. This calculator is for the layer you build on top: a recurring auto-invest into an ASX 200 ETF through your broker, the same fixed amount every month, buying more units in the dips and fewer at the peaks.
Super itself stays out of these numbers deliberately — its contribution caps and concessional tax rules are a different universe, and pretending otherwise produces confidently wrong projections. (If you grew up calling this strategy a SIP, it's the same thing — Australians just say regular investing or dollar-cost averaging.)
What the calculator assumes
Contributions go in at the start of each month and compound at the annual return divided by twelve. The 9% default is the ASX 200's long-run total return — franked dividends carry a big share of it, so only total-return figures are honest. The MER you enter comes off the return before compounding, the step-up raises contributions yearly, and the inflation toggle restates the final balance in today's dollars.
Tax comes later — and Australia rewards patience
While you accumulate, unrealised growth isn't taxed. When you sell, assets held longer than 12 months qualify for the 50% capital gains tax discount, and the discounted gain is added to your income at marginal rates — for FY2026-27 that's 0%, 15%, 30%, 37% and 45% plus the 2% Medicare levy. The SWP calculator applies all of that when you plan withdrawals.
Related reading
Frequently asked questions
Is dollar-cost averaging the same as a SIP?
Yes. Dollar-cost averaging (or just regular investing) is the Australian term; SIP — systematic investment plan — is the Indian-English one. Most Australian brokers offer auto-invest features that do exactly this. The math in this calculator applies identically.
What return should I assume for the ASX 200?
The ASX 200's long-run nominal total return — including Australia's famously chunky dividends and franking — has been roughly 9% a year. It's a historical average, not a forecast; many planners use 7–8% to be conservative. Subtract your fund's MER.
Why isn't superannuation modelled?
Super has concessional contribution caps, its own 15% earnings tax, preservation rules and (from July 2026) an extra tax above $3 million balances. Mixing that into a simple monthly-investing projection would produce confidently wrong numbers, so super appears as a label only.
What changed in FY2026-27?
From 1 July 2026 the second marginal tax bracket dropped from 16% to 15% on income between $18,201 and $45,000, and it's legislated to fall to 14% from July 2027. This site's tax tables carry the FY2026-27 rates with sources.
Tax figures for 2026-27 last verified 3 July 2026 against the official source — how we calculate.
GrowThenDraw does not hold an Australian Financial Services Licence. Any information here is general in nature and does not take into account your objectives, financial situation or needs — consider its appropriateness and seek advice from a licensed adviser before acting.
Relevant bodies in this jurisdiction: ASIC (financial services), ATO (tax).