A margin loan lets you borrow money to invest in shares or ETFs, using your existing portfolio as security. Understanding the costs, risks, and tax implications is essential before committing to a leveraged investment strategy. This margin loan calculator is built for Australian investors who want to stress-test their assumptions before making any decisions.
Most margin loan calculators use a single assumed growth rate. Wealthly uses actual IOZ ETF returns from FY2016 to FY2025 — including the FY2020 drawdown and FY2021 recovery — so you can see how your LVR, interest costs, and net equity would have behaved through real market conditions, not just a straight-line assumption.
Enter your starting portfolio, margin loan amount, your salary and if you want to re-invest dividends. The calculator projects portfolio value, net equity, interest deductions, franking credits (if historical data is selected), and LVR rebalancing across 10 years. Tax modelling supports individual marginal rates. All projections are hypothetical and for illustrative purposes only — not financial advice.
Have a question or feedback? Contact Jay from Wealthly at info.wealthly@gmail.com