RETURN TO NUCLEUS WEALTH SITERETURN TO NUCLEUS WEALTH SITEIllustrative only — not financial advice.
Important: This calculator is a model, not a prediction. Estimates are illustrative only and not intended to be relied upon to make a financial decision. Obtain professional financial advice before making any financial commitments.
Inflation and Purchasing Power:The projected values shown are in "today's dollars" (Present Value). This means we have adjusted the future estimated amounts to account for the expected rise in the cost of living (inflation) at a default rate of 2.5% p.a. (which you can change in the settings). This helps you understand what that future amount could actually buy in today's terms.
Performance Assumptions: The 90% confidence interval is based on the historical volatility of your chosen asset classes. Past performance is not a reliable indicator of future performance. Actual market returns can be significantly more volatile than historical averages, and your actual portfolio value may fall outside the shaded range.
Limitations of this Calculator: This tool does not take into account your personal taxes, any specific product fees, or government charges (such as stamp duty or land tax) unless specifically stated. It assumes that your monthly contributions of $900 remain constant (adjusted by 3.7% p.a.) and that you remain invested for the entire duration without withdrawals.
The charts below show the effect of 100% of assets being invested in each structure, except for the yellow line which shows the tax paid based on the assumptions shown below.
Below we show the average annual tax paid on investments (adjusted for inflation) over the 20 projected years. The number in brackets shows the tax rate.
Each row shows the effect of investing the entire amount in that structure. For example "Individual" shows the tax paid if all of the investments are made in a single taxpayer's account.
Fees:Keep in mind that many of these have additional fees. For example the table might show you saving $1,000 a year using a family trust - but it doesn't show the cost of running a family trust. A company or trust will probably cost you $2,000 or more to run per year. Having money in superannuation will probably cost around $500 in additional administration fees.
| Structure | FY26 Rules | FY27 Rules (Div 296) | FY28 Rules (Proposed CGT) | Extra Tax Paid (FY26 Rules vs FY28 Proposed) | |||
|---|---|---|---|---|---|---|---|
| Individual | $2,987 | (10.9%) | $2,987 | (10.9%) | $2,401 | (8.8%) | - |
| Superannuation | $837 | (2.8%) | $837 | (2.8%) | $837 | (2.8%) | - |
| Company | $7,014 | (26.7%) | $7,014 | (26.7%) | $7,014 | (26.7%) | - |
| Family Trust | $2,987 | (10.9%) | $2,987 | (10.9%) | $2,401 | (8.8%) | - |
| Blended | $989 | (3.4%) | $989 | (3.4%) | $997 | (3.4%) | +$8 |
Below we show the total cumulative investment income after tax (adjusted for inflation) over the 20 projected years. The number in brackets shows the effective tax rate on those returns.
| Structure | FY26 Rules | FY27 Rules (Div 296) | FY28 Rules (Proposed CGT) | Change in Income (FY26 Rules vs FY28 Proposed) | |||
|---|---|---|---|---|---|---|---|
| Individual | $486,685 | (10.9%) | $486,685 | (10.9%) | $498,398 | (8.8%) | +$11,713 |
| Superannuation | $572,569 | (2.8%) | $572,569 | (2.8%) | $572,569 | (2.8%) | - |
| Company | $386,073 | (26.7%) | $386,073 | (26.7%) | $386,073 | (26.7%) | - |
| Family Trust | $486,685 | (10.9%) | $486,685 | (10.9%) | $498,398 | (8.8%) | +$11,713 |
| Blended | $564,302 | (3.4%) | $564,302 | (3.4%) | $564,128 | (3.4%) | -$174 |
Important: This calculator is a model, not a prediction. Estimates are illustrative only and not intended to be relied upon to make a financial decision. Obtain professional financial advice before making any financial commitments.
Inflation and Purchasing Power:The projected values shown are in "today's dollars" (Present Value). This means we have adjusted the future estimated amounts to account for the expected rise in the cost of living (inflation) at a default rate of 2.5% p.a. (which you can change in the settings). This helps you understand what that future amount could actually buy in today's terms.
Performance Assumptions: The 90% confidence interval is based on the historical volatility of your chosen asset classes. Past performance is not a reliable indicator of future performance. Actual market returns can be significantly more volatile than historical averages, and your actual portfolio value may fall outside the shaded range.
Limitations of this Calculator: This tool does not take into account your personal taxes, any specific product fees, or government charges (such as stamp duty or land tax) unless specifically stated. It assumes that your monthly contributions of $900 remain constant (adjusted by 3.7% p.a.) and that you remain invested for the entire duration without withdrawals.
As demonstrated above, the tax structure and turnover of your portfolio significantly impact your long-term compounding. You can minimise your tax drag by using direct indexing.