Years are financial years (2027 = July 2026 to June 2027).
Allocating Spare Cashflow
Where each year's surplus goes, and how net worth would compare if it went somewhere else.
Spare cash fills these from the top; the rest stays in cash. A shortfall draws on them in the same order, then any other cash and investments, then super once you can reach it.
- Top up cash to the bufferAlways first
- Invest in ETF portfolio
- Keep the rest as cash
- Add to Person A's super (before tax: deductible, taxed 15% in the fund)
- Add to Person A's super (after tax: no tax going in)
- Add to Person B's super (before tax: deductible, taxed 15% in the fund)
- Add to Person B's super (after tax: no tax going in)
The after-tax return is what each extra $1 would earn a year after tax. Paying $1 off a loan earns the interest it saves. Click a return for the workings. A higher return isn't the whole story: super is locked away until age 60, and each option has a yearly limit, which is why the optimiser can still prefer another order.
Press Optimise and monie projects your whole plan over and over, trying each order for your spare cash and when to change it (for example more into super as you near 60), to find the best order for each goal: financial independence, net worth at retirement, and the next 5 years.
| Spare cash goes to | Net worth in 5 years Person A 40 | Person B 39 | Net worth at retirement Person A 60 | Person B 59 | Financial independence | |
|---|---|---|---|---|
Your current order As set on the left. | $830,610 | $4,477,175 | 2056 Person A 65 | Person B 64 |
Today's dollars. Net worth counts investments at market value, before any capital gains tax that would be due if they were sold.
Accelerate wealth with debt recycling
Spare cash pays down the home loan, then the same amount is borrowed back on a separate split and invested. The debt is the same, but the interest on the split is tax deductible.
Net worth
Click an item in the Assets/Liabilities to hide or show it.
Drag an event bubble to move it.
Click or drag across the chart (or use the slider) to look at a year.
Cashflow
Click an item in Money in and out to hide or show it.
Drag an event bubble to move it.
Click or drag across the chart (or use the slider) to look at a year.
Year by year
Click a year to see how its numbers were worked out (today's dollars).
| Year | Ages | Surplus | Cash | Portfolios | Super | Net worth |
|---|---|---|---|---|---|---|
| 2027 | 36 / 35 | $45,457 | $40,000 | $108,457 | $301,300 | $438,415 |
| 2028 | 37 / 36 | $48,123 | $40,000 | $158,250 | $337,738 | $528,898 |
| 2029 | 38 / 37 | $49,838 | $40,000 | $210,972 | $375,913 | $624,278 |
| 2030 | 39 / 38 | $53,678 | $40,000 | $268,820 | $415,922 | $724,741 |
| 2031 | 40 / 39 | $58,346 | $40,000 | $332,747 | $457,863 | $830,610 |
| 2032 | 41 / 40 | $60,609 | $40,000 | $400,496 | $501,838 | $942,334 |
| 2033 | 42 / 41 | $62,960 | $40,000 | $472,248 | $547,947 | $1,060,195 |
| 2034 | 43 / 42 | $65,403 | $40,000 | $548,194 | $596,296 | $1,184,491 |
| 2035 | 44 / 43 | $67,894 | $40,000 | $628,484 | $646,993 | $1,315,477 |
| 2036 | 45 / 44 | $70,381 | $40,000 | $713,218 | $700,150 | $1,453,368 |
| 2037 | 46 / 45 | $72,964 | $40,000 | $802,603 | $755,883 | $1,598,486 |
| 2038 | 47 / 46 | $75,649 | $40,000 | $896,851 | $814,313 | $1,751,165 |
| 2039 | 48 / 47 | $78,438 | $40,000 | $996,188 | $875,566 | $1,911,754 |
| 2040 | 49 / 48 | $81,338 | $40,000 | $1,100,847 | $939,773 | $2,080,620 |
| 2041 | 50 / 49 | $84,352 | $40,000 | $1,211,074 | $1,007,070 | $2,258,144 |
| 2042 | 51 / 50 | $87,486 | $40,000 | $1,327,122 | $1,077,601 | $2,444,723 |
| 2043 | 52 / 51 | $90,745 | $40,000 | $1,449,260 | $1,151,513 | $2,640,773 |
| 2044 | 53 / 52 | $93,636 | $40,000 | $1,577,268 | $1,228,963 | $2,846,230 |
| 2045 | 54 / 53 | $96,107 | $40,000 | $1,710,869 | $1,310,112 | $3,060,982 |
| 2046 | 55 / 54 | $98,816 | $40,000 | $1,850,438 | $1,395,132 | $3,285,570 |
| 2047 | 56 / 55 | $102,352 | $40,000 | $1,996,948 | $1,484,198 | $3,521,146 |
| 2048 | 57 / 56 | $106,028 | $40,000 | $2,150,706 | $1,577,498 | $3,768,204 |
| 2049 | 58 / 57 | $108,906 | $40,000 | $2,311,093 | $1,675,223 | $4,026,316 |
| 2050 | 59 / 58 | $111,845 | $40,000 | $2,478,330 | $1,777,577 | $4,295,907 |
| 2051 | 60 / 59 | $60,366 | $40,000 | $2,598,168 | $1,839,007 | $4,477,175 |
| 2052 | 61 / 60 | $21,377 | $40,000 | $2,681,939 | $1,865,920 | $4,587,859 |
| 2053 | 62 / 61 | $26,276 | $40,000 | $2,772,652 | $1,893,222 | $4,705,874 |
| 2054 | 63 / 62 | $29,366 | $40,000 | $2,868,668 | $1,920,926 | $4,829,594 |
| 2055 | 64 / 63 | $32,554 | $40,000 | $2,970,214 | $1,949,034 | $4,959,248 |
| 2056 | 65 / 64 | $35,610 | $40,000 | $3,077,292 | $1,977,556 | $5,094,848 |
| 2057 | 66 / 65 | $49,515 | $40,000 | $3,200,888 | $1,995,781 | $5,236,669 |
| 2058 | 67 / 66 | $61,408 | $40,000 | $3,339,391 | $2,005,519 | $5,384,910 |
| 2059 | 68 / 67 | $64,630 | $40,000 | $3,484,494 | $2,015,299 | $5,539,793 |
| 2060 | 69 / 68 | $67,984 | $40,000 | $3,636,490 | $2,025,130 | $5,701,620 |
| 2061 | 70 / 69 | $71,489 | $40,000 | $3,795,699 | $2,035,010 | $5,870,709 |
| 2062 | 71 / 70 | $75,152 | $40,000 | $3,962,453 | $2,044,935 | $6,047,389 |
| 2063 | 72 / 71 | $78,970 | $40,000 | $4,137,093 | $2,054,912 | $6,232,005 |
| 2064 | 73 / 72 | $82,960 | $40,000 | $4,319,982 | $2,064,936 | $6,424,919 |
| 2065 | 74 / 73 | $87,126 | $40,000 | $4,511,498 | $2,075,009 | $6,626,507 |
| 2066 | 75 / 74 | $91,475 | $40,000 | $4,712,033 | $2,085,133 | $6,837,166 |
| 2067 | 76 / 75 | $107,270 | $40,000 | $4,933,255 | $2,084,052 | $7,057,307 |
| 2068 | 77 / 76 | $120,784 | $40,000 | $5,173,387 | $2,073,886 | $7,287,272 |
| 2069 | 78 / 77 | $125,072 | $40,000 | $5,423,663 | $2,063,770 | $7,527,434 |
| 2070 | 79 / 78 | $129,582 | $40,000 | $5,684,555 | $2,053,701 | $7,778,255 |
| 2071 | 80 / 79 | $134,314 | $40,000 | $5,956,540 | $2,043,682 | $8,040,223 |
| 2072 | 81 / 80 | $150,264 | $40,000 | $6,251,110 | $2,022,734 | $8,313,844 |
| 2073 | 82 / 81 | $163,826 | $40,000 | $6,566,426 | $1,993,133 | $8,599,559 |
| 2074 | 83 / 82 | $168,277 | $40,000 | $6,893,884 | $1,963,966 | $8,897,850 |
| 2075 | 84 / 83 | $173,015 | $40,000 | $7,234,067 | $1,935,224 | $9,209,291 |
| 2076 | 85 / 84 | $178,048 | $40,000 | $7,587,580 | $1,906,905 | $9,534,485 |
| 2077 | 86 / 85 | $203,793 | $40,000 | $7,975,460 | $1,858,600 | $9,874,060 |
| 2078 | 87 / 86 | $224,366 | $40,000 | $8,393,374 | $1,795,135 | $10,228,509 |
| 2079 | 88 / 87 | $227,435 | $40,000 | $8,824,549 | $1,733,838 | $10,598,387 |
| 2080 | 89 / 88 | $230,523 | $40,000 | $9,269,329 | $1,674,633 | $10,983,962 |
| 2081 | 90 / 89 | $233,561 | $40,000 | $9,727,996 | $1,617,451 | $11,385,447 |
| 2082 | 91 / 90 | $254,190 | $40,000 | $10,218,478 | $1,545,073 | $11,803,551 |