How it works

Investment portfolio modelling,
in three steps

Enter details, run scenario and choose historical Australian ETF data.

The process
1
Enter your position

Set your starting capital, loan amount, and annual interest rate.

2
Pick a scenario

Run against real IOZ historical returns (FY2016–2025) or set a custom annual return.

3
Read the projection

Get a year-by-year breakdown of portfolio value, LVR, interest costs, and tax savings.

Try the calculators
Calculator
Margin Loan Calculator
Model a leveraged ETF strategy with real IOZ historical data. LVR rebalancing, tax modelling, 10-year projection.
Open calculator →
Calculator
Investment Portfolio Calculator
Project long-term portfolio growth across asset allocations and contribution schedules.
Open calculator →
Key concepts
LVR — Loan-to-Value Ratio

Your loan balance ÷ total portfolio value. Lenders set a maximum LVR — breach it and you face a margin call. The calculator models automatic rebalancing to keep you within limits.

Interest deductibility

Margin loan interest is generally tax-deductible in Australia when the investment is income-producing. The calculator applies your marginal tax rate to show the real after-tax cost of borrowing.

Historical vs. custom scenarios

Historical mode replays actual IOZ returns year by year — including the bad years. Custom mode uses a single assumed annual return to stress-test a hypothetical outcome.

Leverage amplifies both ways

Borrowing to invest magnifies gains in up years and losses in down years. A negative return year triggers rebalancing that permanently reduces your position — the calculator shows this clearly.

For illustrative purposes only. All projections are hypothetical models. Past ETF performance does not predict future returns. This tool is not financial advice — consult a licensed financial adviser before making any investment decision. See our full disclaimer.