Investment Calculator Pro - My Money Calculator

Multiple PropertiesMultiple Properties

Prepared For:

George & Jane15/05/2011

Strategy OverviewStrategy OverviewThis report provides an analysis of your existing property and the

purchase of two more properties, one today and one two years

from now.

Prepared By:Wealth Planners

Multiple Properties Assumptions: Investor Details

AssumptionsInvestor Details

Name George Expenses

Investor 1

Copyright © 2011 Wealth Planners 2

Name George Expenses

Last Name Freeman Joint Lifestyle Expenses (p.a.) 80,000

Age 42

Income Income Tax

Salary ($ p.a.) 100,000 Medicare Surcharge Payable No

Bonus ($ p.a.) 10,000 Use Tax Rates From Which Year 2010/2011Bonus ($ p.a.) 10,000 Use Tax Rates From Which Year 2010/2011

Savings Other Details

Savings Account Amount 100,000 Where to put surplus cash each year? Savings

Savings Interest Rate 4.50% Inflation Rate (p.a.) 3.0%

Savings Ownership George 50% Date (Year) 2011

Name Jane Expenses


Investor 2


Age 39

Income Income Tax

Salary ($ p.a.) 80,000 Medicare Surcharge Payable No

Bonus ($ p.a.) 5,000

SavingsSavings

Joint Savings Account 100,000

Savings Interest Rate 0.00%

Savings Ownership Jane 0%


Multiple Properties Assumptions: Home Details

AssumptionsHome Details

Existing Home Proposed Home




Home Value 650,000 Purchase Home? No

Growth Rate (% p.a.) 5.00%

Home Loan 300,000

Term (Years) 20

Interest Rate (p.a.) 7.50%

Princ. & Int. or Int. Only Princ. & IPrinc. & Int. or Int. Only Princ. & I

Payment Frequency Monthly

Sale of Home

Will You Sell Existing Home? No


Multiple Properties Assumptions: Existing Property 1

AssumptionsExisting Property 1

George Ownership 100% Jane Ownership 0%

Asset Value & Loan Balance Income & Expenses


Property Value Property Income

Current Value 500,000 Weekly Rental Income 500

Year Property Was Purchased 2006 Annual Rental Growth Rate 3.00%

Annual Vacancy Rate 2.00%

Loan Details Annual Property Growth Rate 5.00%

Asset Value & Loan Balance Income & Expenses

Loan Details Annual Property Growth Rate 5.00%

Current Loan Amount 300,000

Payment Type Princip. & Int. Annual Expenses

Loan Term Remaining (Years) 20 Accounting 200

Payment Frequency Monthly Agents Commission (%) 0.0%

Interest Rate (p.a.) 7.00% Body Corporate Fees / Strata 1,000

Calculated Monthly Payment 2,326 Council Rates 1,500

Repairs and Maintenance -

Calculated Monthly Payment 2,326 Council Rates 1,500

Repairs and Maintenance -

Property Sale Electricity & Water Charges 500

Sell The Property? No Bank Charges On Loan 60

Insurance -

Land Tax -

Other Ongoing Deductible Expenses -

Depreciation

Construction Costs 250,000

Construction Year 2004

Fit-Out Value 30,000


Multiple Properties Assumptions:

AssumptionsProposed Property 1


Purchase & Loan Details Income & Expenses


Purchase Details Income Details

Property Value 500,000 Weekly Rental Income 500

State of Purchase NSW Annual Rental Growth Rate 3.00%

Stamp Duty on Purchase 17,990 Annual Vacancy Rate 2.00%

Conveyancing/legal costs - Annual Property Growth Rate 5.00%



Other Purchase Costs -

Total Purchase Price 517,990 Expense Details (p.a.)

Accounting 500

Purchased In 0 Years From Now Agents Commission (%) 0.0%

Body Corporate Fees / Strata 1,000

Borrowing Costs Council Rates 1,500

Mortgage Insurance - Repairs and Maintenance - Mortgage Insurance - Repairs and Maintenance -

Loan Set-up Costs 250 Electricity & Water Charges 500

Stamp Duty on Mortgage - Bank Charges On Loan 80

Other Borrowing Costs - Insurance -

Total Borrowing Costs 250 Land Tax -


Loan DetailsLoan Details

Total Acquisition Costs 518,240 Depreciation

Deposit 50,000 Construction Costs 250,000

Loan Amount Required 468,240 Constuction Year 2004

Payment Type Princip. & Int. Fit-Out Value 30,000

Loan Term 25

Payment frequency Monthly

Interest Rate 7.00%Interest Rate 7.00%

Calculated Monthly Payment 3,309

Sell The Property? No


Multiple Properties Assumptions:

AssumptionsProposed Property 2




Purchase Details Income Details

Property Value 500,000 Weekly Rental Income 500

State of Purchase VIC Annual Rental Growth Rate 3.00%

Stamp Duty on Purchase 25,070 Annual Vacancy Rate 2.00%




Other Purchase Costs -

Total Purchase Price 525,070 Expense Details (p.a.)

Accounting 500

Purchased In 2 Years From Now Agents Commission (%) 0.0%

Body Corporate Fees / Strata 1,000

Borrowing Costs Council Rates 1,500

Mortgage Insurance - Repairs and Maintenance - Mortgage Insurance - Repairs and Maintenance -

Loan Set-up Costs 250 Electricity & Water Charges 500

Stamp Duty on Mortgage - Bank Charges On Loan 80

Other Borrowing Costs - Insurance -

Total Borrowing Costs 250 Land Tax -


Loan DetailsLoan Details

Total Acquisition Costs 525,320 Depreciation

Deposit 50,000 Construction Costs 250,000

Loan Amount Required 475,320 Constuction Year 2004

Payment Type Princip. & Int. Fit-Out Value 30,000

Loan Term 25

Payment frequency Monthly

Interest Rate 7.50%Interest Rate 7.50%

Calculated Monthly Payment 3,513

Sell The Property? No


Multiple Properties Entire Situation Summary

Entire Situation Summary

Assets & Loans Outside Super

12,000,000

14,000,000

Assets Loans Equity


2,000,000

4,000,000

6,000,000

8,000,000

10,000,000

12,000,000

14,000,000

Assets Loans Equity

Includes Home Value & Loan

Cash Flow & Lifestyle Achieved

-

2,000,000

4,000,000

6,000,000

0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30

Years From Now

Lifestyle Expenses Cash left over from salary and investments*

400,000

500,000

600,000

700,000

800,000

Lifestyle Expenses Cash left over from salary and investments*

-

100,000

200,000

300,000

400,000

500,000

600,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31

Years From Now

*Before tax and any lifestyle or one-off expenses. Excludes cash flow from buying, selling & loans.

Taxes Payable**

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31

Years From Now

120,000

140,000

160,000

George Jane

-

20,000

40,000

60,000

80,000

100,000

120,000

140,000

160,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29

**Positive values indicate tax payable. Negative values indicate a tax refund.

Capital Gains Tax is not included in this graph.

-

20,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29

Years From Now


Multiple Properties Entire Situation: Cash Flow

Entire SituationCash Flow

Years From Now 0 1 2 3

George's Age 42 43 44 45

Jane's Age 39 40 41 42Jane's Age 39 40 41 42

Cash In

Salary - George 100,000 103,000 106,090

Salary - Jane 80,000 82,400 84,872

Bonus - George 10,000 10,300 10,609

Bonus - Jane 5,000 5,150 5,305

Interest on Savings Account 2,250 3,233 2,075 Interest on Savings Account 2,250 3,233 2,075

Cash Dividends From Shares - - -

Rent From Existing Properties 25,480 26,244 27,032

Rent From Proposed Properties 25,480 26,244 52,512

Total Cash In 248,210 256,572 288,494

Cash Out

Tax Payable - George (25,043) (27,184) (24,977)Tax Payable - George (25,043) (27,184) (24,977)

Tax Payable - Jane (17,852) (19,050) (16,555)

Home Loan Interest Payment (22,272) (21,749) (21,186)

Home Loan 2 Interest Payment - - -

Existing Properties Cash Expenses (24,034) (23,616) (23,163)

Proposed Properties Cash Expenses (36,130) (35,719) (74,276)

Other Ongoing Expenses - George - - -

Other Ongoing Expenses - Jane - - -

Interest On Loan For Shares - - -

Interest On Line of Credit - - -

Salary Sacrifice George - - -

Salary Sacrifice Jane - - -

Non-Concessional Super Contributions - - - -

Total Cash Out - (125,331) (127,319) (160,157)Total Cash Out - (125,331) (127,319) (160,157)

Net Cash Flow From Salary & Investments - 122,879 129,253 128,337

Joint Lifestyle Expenses (80,000) (82,400) (84,872)

One-Time Expenses e.g. Holiday - - -

One-Time Expenses e.g. Car - - -

Loan Drawdowns (+) / Repayments (-)* 468,240 (21,030) 452,734 (30,987)Loan Drawdowns (+) / Repayments (-)* 468,240 (21,030) 452,734 (30,987)

Assets Sales (+) / Purchases (-)* (518,240) - (525,320) -

Total Cash Surplus (+) or Cash Deficit (-) (50,000) 21,849 (25,733) 12,478

Where Does The Money Go?**

Home Loan*** - - - - Home Loan*** - - - -

Home Loan 2*** - - - -

Savings Account (50,000) 21,849 (25,733) 12,478

Line of Credit - - - -




Years From Now

George's Age

Jane's Age

4 5 6 7

46 47 48 49

43 44 45 46Jane's Age

Cash In

Salary - George

Salary - Jane

Bonus - George

Bonus - Jane

Interest on Savings Account

43 44 45 46

109,273 112,551 115,927 119,405

87,418 90,041 92,742 95,524

10,927 11,255 11,593 11,941

5,464 5,628 5,796 5,970

2,637 3,312 4,100 4,996 Interest on Savings Account

Cash Dividends From Shares

Rent From Existing Properties

Rent From Proposed Properties

Total Cash In

Cash Out

Tax Payable - George

2,637 3,312 4,100 4,996

- - - -

27,843 28,678 29,538 30,424

54,087 55,710 57,381 59,102

297,648 307,174 317,077 327,363

(27,409) (29,952) (32,620) (35,397)Tax Payable - George

Tax Payable - Jane

Home Loan Interest Payment

Home Loan 2 Interest Payment

Existing Properties Cash Expenses

Proposed Properties Cash Expenses

Other Ongoing Expenses - George

(27,409) (29,952) (32,620) (35,397)

(17,885) (19,395) (21,187) (23,049)

(20,580) (19,926) (19,221) (18,462)

- - - -

(22,674) (22,145) (21,573) (20,955)

(73,379) (72,406) (71,349) (70,203)

- - - -

Other Ongoing Expenses - Jane

Interest On Loan For Shares

Interest On Line of Credit

Salary Sacrifice George

Salary Sacrifice Jane

Non-Concessional Super Contributions

Total Cash Out

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -

(161,927) (163,824) (165,950) (168,066)Total Cash Out

Net Cash Flow From Salary & Investments

Joint Lifestyle Expenses

One-Time Expenses e.g. Holiday

One-Time Expenses e.g. Car

Loan Drawdowns (+) / Repayments (-)*

(161,927) (163,824) (165,950) (168,066)

135,722 143,350 151,128 159,297

(87,418) (90,041) (92,742) (95,524)

- - - -

- - - -

(33,305) (35,797) (38,474) (41,353)Loan Drawdowns (+) / Repayments (-)*

Assets Sales (+) / Purchases (-)*

Total Cash Surplus (+) or Cash Deficit (-)


Home Loan***

(33,305) (35,797) (38,474) (41,353)

- - - -

14,998 17,513 19,911 22,420

- - - - Home Loan***

Home Loan 2***

Savings Account

Line of Credit

- - - -

- - - -

14,998 17,513 19,911 22,420

- - - -




Years From Now

George's Age

Jane's Age

8 9 10 11

50 51 52 53

47 48 49 50Jane's Age

Cash In

Salary - George

Salary - Jane

Bonus - George

Bonus - Jane


47 48 49 50

122,987 126,677 130,477 134,392

98,390 101,342 104,382 107,513

12,299 12,668 13,048 13,439

6,149 6,334 6,524 6,720





Total Cash In

Cash Out


6,005 7,130 8,376 9,748

- - - -

31,337 32,277 33,246 34,243

60,875 62,702 64,583 66,520

338,043 349,129 360,635 372,575


Tax Payable - Jane






(38,306) (41,336) (44,500) (47,806)

(25,006) (27,041) (29,167) (31,389)

(17,644) (16,762) (15,812) (14,788)

- - - -

(20,287) (19,566) (18,789) (17,949)

(68,960) (67,614) (66,155) (64,574)

- - - -







Total Cash Out

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -

(170,204) (172,319) (174,423) (176,508)Total Cash Out






(170,204) (172,319) (174,423) (176,508)

167,839 176,810 186,212 196,067

(98,390) (101,342) (104,382) (107,513)

- - - -

- - - -





Home Loan***

(44,447) (47,773) (51,349) (55,192)

- - - -

25,002 27,695 30,482 33,362


Home Loan 2***

Savings Account

Line of Credit

- - - -

- - - -

25,002 27,695 30,482 33,362

- - - -




Years From Now

George's Age

Jane's Age

12 13 14 15

54 55 56 57

51 52 53 54Jane's Age

Cash In

Salary - George

Salary - Jane

Bonus - George

Bonus - Jane


51 52 53 54

138,423 142,576 146,853 151,259

110,739 114,061 117,483 121,007

13,842 14,258 14,685 15,126

6,921 7,129 7,343 7,563





Total Cash In

Cash Out


11,249 12,884 14,657 16,559

- - - -

35,270 36,328 37,418 38,541

68,516 70,571 72,689 74,869

384,961 397,807 411,128 424,924


Tax Payable - Jane






(51,260) (54,869) (58,929) (63,684)

(33,711) (36,137) (38,671) (41,316)

(13,685) (12,496) (11,214) (9,833)

- - - -

(17,044) (16,067) (15,015) (13,880)

(62,864) (61,013) (59,010) (56,844)

- - - -







Total Cash Out

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -

(178,564) (180,582) (182,839) (185,558)Total Cash Out






(178,564) (180,582) (182,839) (185,558)

206,397 217,225 228,289 239,366

(110,739) (114,061) (117,483) (121,007)

- - - -

- - - -





Home Loan***

(59,323) (63,764) (68,537) (73,669)

- - - -

36,335 39,401 42,269 44,690


Home Loan 2***

Savings Account

Line of Credit

- - - -

- - - -

36,335 39,401 42,269 44,690

- - - -




Years From Now

George's Age

Jane's Age

16 17 18 19

58 59 60 61

55 56 57 58Jane's Age

Cash In

Salary - George

Salary - Jane

Bonus - George

Bonus - Jane


55 56 57 58

155,797 160,471 165,285 170,243

124,637 128,377 132,228 136,195

15,580 16,047 16,528 17,024

7,790 8,024 8,264 8,512





Total Cash In

Cash Out


18,570 20,692 22,924 25,270

- - - -

39,697 40,888 42,115 43,378

77,115 79,429 81,812 84,266

439,186 453,926 469,156 484,888


Tax Payable - Jane






(68,646) (73,823) (79,225) (84,862)

(44,071) (46,941) (49,932) (53,047)

(8,345) (6,742) (5,014) (3,151)

- - - -

(12,657) (11,340) (9,921) (8,392)

(54,503) (51,972) (49,236) (46,281)

- - - -







Total Cash Out

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -

(188,222) (190,817) (193,327) (195,734)Total Cash Out






(188,222) (190,817) (193,327) (195,734)

250,964 263,109 275,829 289,154

(124,637) (128,377) (132,228) (136,195)

- - - -

- - - -





Home Loan***

(79,185) (85,114) (91,489) (98,341)

- - - -

47,142 49,618 52,113 54,618


Home Loan 2***

Savings Account

Line of Credit

- - - -

- - - -

47,142 49,618 52,113 54,618

- - - -




Years From Now

George's Age

Jane's Age

20 21 22 23

62 63 64 65

59 60 61 62Jane's Age

Cash In

Salary - George

Salary - Jane

Bonus - George

Bonus - Jane


59 60 61 62

175,351 180,611 186,029 191,610

140,280 144,489 148,824 153,288

17,535 18,061 18,603 19,161

8,768 9,031 9,301 9,581





Total Cash In

Cash Out


27,727 30,298 35,539 40,964

- - - -

44,679 46,020 47,400 48,822

86,794 89,398 92,080 94,842

501,134 517,907 537,776 558,269


Tax Payable - Jane






(90,746) (96,464) (102,502) (108,771)

(56,293) (60,178) (65,027) (70,070)

(1,145) - - -

- - - -

(6,747) (5,888) (6,065) (6,246)

(43,089) (39,642) (35,921) (31,904)

- - - -







Total Cash Out

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -

(198,019) (202,172) (209,514) (216,991)Total Cash Out






(198,019) (202,172) (209,514) (216,991)

303,115 315,735 328,262 341,277

(140,280) (144,489) (148,824) (153,288)

- - - -

- - - -





Home Loan***

(105,707) (54,782) (58,881) (63,286)

- - - -

57,128 116,464 120,558 124,703


Home Loan 2***

Savings Account

Line of Credit

- - - -

- - - -

57,128 116,464 120,558 124,703

- - - -




Years From Now

George's Age

Jane's Age

24 25 26 27

66 67 68 69

63 64 65 66Jane's Age

Cash In

Salary - George

Salary - Jane

Bonus - George

Bonus - Jane


63 64 65 66

197,359 203,279 209,378 215,659

157,887 162,624 167,502 172,527

19,736 20,328 20,938 21,566

9,868 10,164 10,469 10,783





Total Cash In

Cash Out


46,576 52,376 58,366 66,363

- - - -

50,287 51,796 53,349 54,950

97,687 100,618 103,636 106,746

579,399 601,184 623,639 648,593


Tax Payable - Jane






(115,280) (122,038) (128,753) (135,774)

(75,316) (80,774) (86,151) (91,792)

- - - -

- - - -

(6,434) (6,627) (6,826) (7,030)

(27,568) (22,890) (19,141) (16,662)

- - - -







Total Cash Out

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -

(224,598) (232,328) (240,871) (251,257)Total Cash Out






(224,598) (232,328) (240,871) (251,257)

354,801 368,856 382,768 397,336

(157,887) (162,624) (167,502) (172,527)

- - - -

- - - -





Home Loan***

(68,021) (73,111) (37,571) (40,487)

- - - -

128,893 133,121 177,695 184,321


Home Loan 2***

Savings Account

Line of Credit

- - - -

- - - -

128,893 133,121 177,695 184,321

- - - -




Years From Now

George's Age

Jane's Age

28 29 30

70 71 72

67 68 69Jane's Age

Cash In

Salary - George

Salary - Jane

Bonus - George

Bonus - Jane


67 68 69

222,129 228,793 235,657

177,703 183,034 188,525

22,213 22,879 23,566

11,106 11,440 11,783

74,657 85,185 96,143 Interest on Savings Account




Total Cash In

Cash Out


74,657 85,185 96,143

- - -

56,598 58,296 60,045

109,948 113,246 116,644

674,355 702,874 732,362

(142,706) (149,910) (157,357)Tax Payable - George

Tax Payable - Jane






(142,706) (149,910) (157,357)

(97,304) (103,045) (108,985)

- - -

- - -

(7,241) (7,459) (7,682)

(15,448) (15,911) (16,389)

- - -







Total Cash Out

- - -

- - -

- - -

- - -

- - -

- - -

(262,700) (276,325) (290,413)Total Cash Out






(262,700) (276,325) (290,413)

411,655 426,548 441,950

(177,703) (183,034) (188,525)

- - -

- - -

- - - Loan Drawdowns (+) / Repayments (-)*




Home Loan***

- - -

- - -

233,952 243,514 253,424

- - - Home Loan***

Home Loan 2***

Savings Account

Line of Credit

- - -

- - -

233,952 243,514 253,424

- - -



Entire Situation: Cash Flow


*To see the full breakdown of these amounts see the 'cash flow from buying, selling and loans' page.

** Positive menas paid to, negative means taken from.


*** These payments are made in addition to the compulsory Home Loan payments that can be seen in the 'Cash flow from buying,

selling and loans' page?


Multiple Properties Entire Situation: Cash Flow From Financing

Entire SituationCash Flow From Financing


Age - George 42 43 44 45

Age - Jane 39 40 41 42Age - Jane 39 40 41 42

Loan Drawdowns (+) / Repayments (-)

Margin Loan - - - -

Home Loan* - (6,730) (7,252) (7,815)

Home Loan 2* - - - -

Existing Property 1 - (7,137) (7,653) (8,206)Existing Property 1 - (7,137) (7,653) (8,206)

Existing Property 2 - - - -




Proposed Property 1 468,240 (7,163) (7,681) (8,236)

Proposed Property 2 - - 475,320 (6,730)

Proposed Property 3 - - - - Proposed Property 3 - - - -

Proposed Property 4 - - - -


Total 468,240 (21,030) 452,734 (30,987)

Asset Sales (+) / Purchases (-)

Shares / Managed Funds - - - -

Home - - - -

Home 2 - - - -





Existing Property 5 - - - - Existing Property 5 - - - -

Proposed Property 1 (518,240) - - -

Proposed Property 2 - - (525,320) -




Total (518,240) - (525,320) -

Net Cash Flow (50,000) (21,030) (72,586) (30,987)

* See the 'Where does the money go?' section at the

bottom of the 'Cash Flow' page for any additional home

loan repayments.




Years From Now

Age - George

Age - Jane

4 5 6 7

46 47 48 49

43 44 45 46Age - Jane


Margin Loan

Home Loan*

Home Loan 2*

Existing Property 1

43 44 45 46

- - - -

(8,422) (9,075) (9,780) (10,539)

- - - -

(8,799) (9,435) (10,117) (10,849)Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

Proposed Property 2

Proposed Property 3

(8,799) (9,435) (10,117) (10,849)

- - - -

- - - -

- - - -

- - - -

(8,832) (9,470) (10,155) (10,889)

(7,253) (7,816) (8,422) (9,076)

- - - - Proposed Property 3

Proposed Property 4

Proposed Property 5

Total


Shares / Managed Funds

- - - -

- - - -

- - - -

(33,305) (35,797) (38,474) (41,353)

- - - -

Home

Home 2

Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -

- - - - Existing Property 5

Proposed Property 1

Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5

Total

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -

Net Cash Flow (33,305) (35,797) (38,474) (41,353)



loan repayments.




Years From Now

Age - George

Age - Jane

8 9 10 11

50 51 52 53

47 48 49 50Age - Jane


Margin Loan

Home Loan*

Home Loan 2*

Existing Property 1

47 48 49 50

- - - -

(11,357) (12,239) (13,189) (14,213)

- - - -


Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

Proposed Property 2

Proposed Property 3

(11,633) (12,474) (13,376) (14,343)

- - - -

- - - -

- - - -

- - - -

(11,676) (12,520) (13,425) (14,396)

(9,781) (10,540) (11,358) (12,240)


Proposed Property 4

Proposed Property 5

Total



- - - -

- - - -

- - - -

(44,447) (47,773) (51,349) (55,192)

- - - -

Home

Home 2

Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -


Proposed Property 1

Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5

Total

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -

Net Cash Flow (44,447) (47,773) (51,349) (55,192)



loan repayments.




Years From Now

Age - George

Age - Jane

12 13 14 15

54 55 56 57

51 52 53 54Age - Jane


Margin Loan

Home Loan*

Home Loan 2*

Existing Property 1

51 52 53 54

- - - -

(15,317) (16,506) (17,787) (19,168)

- - - -


Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

Proposed Property 2

Proposed Property 3

(15,379) (16,491) (17,683) (18,962)

- - - -

- - - -

- - - -

- - - -

(15,436) (16,552) (17,749) (19,032)

(13,190) (14,214) (15,318) (16,507)


Proposed Property 4

Proposed Property 5

Total



- - - -

- - - -

- - - -

(59,323) (63,764) (68,537) (73,669)

- - - -

Home

Home 2

Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -


Proposed Property 1

Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5

Total

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -

Net Cash Flow (59,323) (63,764) (68,537) (73,669)



loan repayments.




Years From Now

Age - George

Age - Jane

16 17 18 19

58 59 60 61

55 56 57 58Age - Jane


Margin Loan

Home Loan*

Home Loan 2*

Existing Property 1

55 56 57 58

- - - -

(20,656) (22,260) (23,988) (25,850)

- - - -


Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

Proposed Property 2

Proposed Property 3

(20,333) (21,802) (23,378) (25,068)

- - - -

- - - -

- - - -

- - - -

(20,408) (21,883) (23,465) (25,161)

(17,789) (19,170) (20,658) (22,261)


Proposed Property 4

Proposed Property 5

Total



- - - -

- - - -

- - - -

(79,185) (85,114) (91,489) (98,341)

- - - -

Home

Home 2

Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -


Proposed Property 1

Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5

Total

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -

Net Cash Flow (79,185) (85,114) (91,489) (98,341)



loan repayments.




Years From Now

Age - George

Age - Jane

20 21 22 23

62 63 64 65

59 60 61 62Age - Jane


Margin Loan

Home Loan*

Home Loan 2*

Existing Property 1

59 60 61 62

- - - -

(27,857) - - -

- - - -

(26,881) - - - Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

Proposed Property 2

Proposed Property 3

(26,881) - - -

- - - -

- - - -

- - - -

- - - -

(26,980) (28,930) (31,022) (33,264)

(23,990) (25,852) (27,859) (30,022)


Proposed Property 4

Proposed Property 5

Total



- - - -

- - - -

- - - -

(105,707) (54,782) (58,881) (63,286)

- - - -

Home

Home 2

Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -


Proposed Property 1

Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5

Total

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -

Net Cash Flow (105,707) (54,782) (58,881) (63,286)



loan repayments.




Years From Now

Age - George

Age - Jane

24 25 26 27

66 67 68 69

63 64 65 66Age - Jane


Margin Loan

Home Loan*

Home Loan 2*

Existing Property 1

63 64 65 66

- - - -

- - - -

- - - -


Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

Proposed Property 2

Proposed Property 3

- - - -

- - - -

- - - -

- - - -

- - - -

(35,669) (38,247) - -

(32,352) (34,864) (37,571) (40,487)


Proposed Property 4

Proposed Property 5

Total



- - - -

- - - -

- - - -

(68,021) (73,111) (37,571) (40,487)

- - - -

Home

Home 2

Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -


Proposed Property 1

Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5

Total

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -

- - - -

Net Cash Flow (68,021) (73,111) (37,571) (40,487)



loan repayments.




Years From Now

Age - George

Age - Jane

28 29 30

70 71 72

67 68 69Age - Jane


Margin Loan

Home Loan*

Home Loan 2*

Existing Property 1

67 68 69

- - -

- - -

- - -

- - - Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

Proposed Property 2

Proposed Property 3

- - -

- - -

- - -

- - -

- - -

- - -

- - -

- - - Proposed Property 3

Proposed Property 4

Proposed Property 5

Total



- - -

- - -

- - -

- - -

- - -

Home

Home 2

Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

- - -

- - -

- - -

- - -

- - -

- - -

- - - Existing Property 5

Proposed Property 1

Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5

Total

- - -

- - -

- - -

- - -

- - -

- - -

- - -

Net Cash Flow - - -



loan repayments.


Multiple Properties Entire Situation: Assets Loans

Entire SituationAssets & Loans

Years From Now 0 1 2 3 4

George's Age 42 43 44 45 46

Jane's Age 39 40 41 42 43Jane's Age 39 40 41 42 43

Asset Values

Savings Account 50,000 71,849 46,116 58,594 73,592

Shares / Managed Funds - - - - -

Home Value 650,000 682,500 716,625 752,456 790,079

Home 2 Value - - - - - Home 2 Value - - - - -

Existing Property 1 500,000 525,000 551,250 578,813 607,753

Existing Property 2 - - - - -




Proposed Property 1 500,000 525,000 551,250 578,813 607,753

Proposed Property 2 - - 500,000 525,000 551,250 Proposed Property 2 - - 500,000 525,000 551,250

Proposed Property 3 - - - - -



Total Assets 1,700,000 1,804,349 2,365,241 2,493,676 2,630,428

Loan Balances

Loan for Managed Funds - - - - -

Line of Credit - - - - -

Home Loan (300,000) (293,270) (286,018) (278,203) (269,782)

Home 2 Loan - - - - -

Existing Property 1 (300,000) (292,863) (285,210) (277,004) (268,205)


Existing Property 3 - - - - - Existing Property 3 - - - - -



Proposed Property 1 (468,240) (461,077) (453,396) (445,159) (436,328)

Proposed Property 2 - - (475,320) (468,590) (461,337)



Proposed Property 5 - - - - - Proposed Property 5 - - - - -

Total Loans (1,068,240) (1,047,210) (1,499,945) (1,468,957) (1,435,652)

Net Assets (Equity) 631,760 757,139 865,297 1,024,718 1,194,776

Net Assets Excl. Home* 281,760 367,909 434,690 550,466 674,478

*Includes savings.




Years From Now

George's Age

Jane's Age

5 6 7 8 9

47 48 49 50 51

44 45 46 47 48Jane's Age

Asset Values

Savings Account


Home Value

Home 2 Value

44 45 46 47 48

91,105 111,016 133,436 158,438 186,133

- - - - -

829,583 871,062 914,615 960,346 1,008,363

- - - - - Home 2 Value

Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

Proposed Property 2

- - - - -

638,141 670,048 703,550 738,728 775,664

- - - - -

- - - - -

- - - - -

- - - - -

638,141 670,048 703,550 738,728 775,664

578,813 607,753 638,141 670,048 703,550 Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5

Total Assets

Loan Balances

578,813 607,753 638,141 670,048 703,550

- - - - -

- - - - -

- - - - -

2,775,782 2,929,927 3,093,292 3,266,287 3,449,375

Loan for Managed Funds

Line of Credit

Home Loan

Home 2 Loan

Existing Property 1

Existing Property 2

Existing Property 3

- - - - -

- - - - -

(260,706) (250,926) (240,387) (229,030) (216,790)

- - - - -

(258,770) (248,652) (237,804) (226,171) (213,697)

- - - - -

- - - - - Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5

- - - - -

- - - - -

- - - - -

(426,858) (416,703) (405,814) (394,138) (381,618)

(453,522) (445,099) (436,023) (426,242) (415,702)

- - - - -

- - - - -

- - - - - Proposed Property 5

Total Loans

Net Assets (Equity)

Net Assets Excl. Home*

- - - - -

(1,399,856) (1,361,381) (1,320,028) (1,275,581) (1,227,807)

1,375,927 1,568,546 1,773,264 1,990,706 2,221,567

807,050 948,410 1,099,036 1,259,390 1,429,994

*Includes savings.




Years From Now

George's Age

Jane's Age

10 11 12 13 14

52 53 54 55 56

49 50 51 52 53Jane's Age

Asset Values

Savings Account


Home Value

Home 2 Value

49 50 51 52 53

216,615 249,977 286,312 325,713 367,982

- - - - -

1,058,782 1,111,721 1,167,307 1,225,672 1,286,956


Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

Proposed Property 2

- - - - -

814,447 855,170 897,928 942,825 989,966

- - - - -

- - - - -

- - - - -

- - - - -

814,447 855,170 897,928 942,825 989,966

738,728 775,664 814,447 855,170 897,928 Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5

Total Assets

Loan Balances

738,728 775,664 814,447 855,170 897,928

- - - - -

- - - - -

- - - - -

3,643,019 3,847,701 4,063,922 4,292,204 4,532,797


Line of Credit

Home Loan

Home 2 Loan

Existing Property 1

Existing Property 2

Existing Property 3

- - - - -

- - - - -

(203,601) (189,388) (174,071) (157,565) (139,778)

- - - - -

(200,321) (185,978) (170,599) (154,108) (136,424)

- - - - -


Existing Property 4

Existing Property 5

Proposed Property 1

Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5

- - - - -

- - - - -

- - - - -

(368,193) (353,797) (338,361) (321,809) (304,060)

(404,344) (392,104) (378,913) (364,699) (349,381)

- - - - -

- - - - -


Total Loans

Net Assets (Equity)


- - - - -

(1,176,459) (1,121,267) (1,061,944) (998,181) (929,644)

2,466,560 2,726,434 3,001,978 3,294,023 3,603,154

1,611,379 1,804,101 2,008,742 2,225,916 2,455,976

*Includes savings.




Years From Now

George's Age

Jane's Age

15 16 17 18 19

57 58 59 60 61

54 55 56 57 58Jane's Age

Asset Values

Savings Account


Home Value

Home 2 Value

54 55 56 57 58

412,672 459,814 509,432 561,545 616,163

- - - - -

1,351,303 1,418,868 1,489,812 1,564,303 1,642,518


Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

Proposed Property 2

- - - - -

1,039,464 1,091,437 1,146,009 1,203,310 1,263,475

- - - - -

- - - - -

- - - - -

- - - - -

1,039,464 1,091,437 1,146,009 1,203,310 1,263,475

942,825 989,966 1,039,464 1,091,437 1,146,009 Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5

Total Assets

Loan Balances

942,825 989,966 1,039,464 1,091,437 1,146,009

- - - - -

- - - - -

- - - - -

4,785,728 5,051,523 5,330,727 5,623,904 5,931,640


Line of Credit

Home Loan

Home 2 Loan

Existing Property 1

Existing Property 2

Existing Property 3

- - - - -

- - - - -

(120,610) (99,954) (77,694) (53,707) (27,857)

- - - - -

(117,462) (97,130) (75,328) (51,949) (26,881)

- - - - -


Existing Property 4

Existing Property 5

Proposed Property 1

Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5

- - - - -

- - - - -

- - - - -

(285,029) (264,621) (242,738) (219,273) (194,112)

(332,874) (315,085) (295,916) (275,258) (252,997)

- - - - -

- - - - -


Total Loans

Net Assets (Equity)


- - - - -

(855,975) (776,790) (691,676) (600,187) (501,846)

3,929,753 4,274,733 4,639,051 5,023,717 5,429,794

2,699,060 2,955,818 3,226,933 3,513,121 3,815,133

*Includes savings.




Years From Now

George's Age

Jane's Age

20 21 22 23 24

62 63 64 65 66

59 60 61 62 63Jane's Age

Asset Values

Savings Account


Home Value

Home 2 Value

59 60 61 62 63

673,291 789,755 910,313 1,035,016 1,163,909

- - - - -

1,724,644 1,810,876 1,901,419 1,996,490 2,096,315


Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

Proposed Property 2

- - - - -

1,326,649 1,392,981 1,462,630 1,535,762 1,612,550

- - - - -

- - - - -

- - - - -

- - - - -

1,326,649 1,392,981 1,462,630 1,535,762 1,612,550

1,203,310 1,263,475 1,326,649 1,392,981 1,462,630 Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5

Total Assets

Loan Balances

1,203,310 1,263,475 1,326,649 1,392,981 1,462,630

- - - - -

- - - - -

- - - - -

6,254,542 6,650,068 7,063,642 7,496,011 7,947,954


Line of Credit

Home Loan

Home 2 Loan

Existing Property 1

Existing Property 2

Existing Property 3

- - - - -

- - - - -

- - - - -

- - - - -

- - - - -

- - - - -


Existing Property 4

Existing Property 5

Proposed Property 1

Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5

- - - - -

- - - - -

- - - - -

(167,132) (138,202) (107,181) (73,916) (38,247)

(229,007) (203,155) (175,296) (145,274) (112,922)

- - - - -

- - - - -


Total Loans

Net Assets (Equity)


- - - - -

(396,139) (341,357) (282,477) (219,191) (151,169)

5,858,402 6,308,711 6,781,165 7,276,821 7,796,785

4,133,759 4,497,835 4,879,746 5,280,330 5,700,470

*Includes savings.




Years From Now

George's Age

Jane's Age

25 26 27 28 29

67 68 69 70 71

64 65 66 67 68Jane's Age

Asset Values

Savings Account


Home Value

Home 2 Value

64 65 66 67 68

1,297,030 1,474,725 1,659,047 1,892,998 2,136,512

- - - - -

2,201,131 2,311,187 2,426,747 2,548,084 2,675,488


Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

Proposed Property 2

- - - - -

1,693,177 1,777,836 1,866,728 1,960,065 2,058,068

- - - - -

- - - - -

- - - - -

- - - - -

1,693,177 1,777,836 1,866,728 1,960,065 2,058,068

1,535,762 1,612,550 1,693,177 1,777,836 1,866,728 Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5

Total Assets

Loan Balances

1,535,762 1,612,550 1,693,177 1,777,836 1,866,728

- - - - -

- - - - -

- - - - -

8,420,278 8,954,135 9,512,427 10,139,048 10,794,864


Line of Credit

Home Loan

Home 2 Loan

Existing Property 1

Existing Property 2

Existing Property 3

- - - - -

- - - - -

- - - - -

- - - - -

- - - - -

- - - - -


Existing Property 4

Existing Property 5

Proposed Property 1

Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5

- - - - -

- - - - -

- - - - -

- - - - -

(78,058) (40,487) - - -

- - - - -

- - - - -


Total Loans

Net Assets (Equity)


- - - - -

(78,058) (40,487) - - -

8,342,220 8,913,648 9,512,427 10,139,048 10,794,864

6,141,089 6,602,461 7,085,680 7,590,964 8,119,376

*Includes savings.




Years From Now

George's Age

Jane's Age

30

72

69Jane's Age

Asset Values

Savings Account


Home Value

Home 2 Value

69

2,389,937

-

2,809,263

- Home 2 Value

Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

Proposed Property 2

-

2,160,971

-

-

-

-

2,160,971

1,960,065 Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5

Total Assets

Loan Balances

1,960,065

-

-

-

11,481,206


Line of Credit

Home Loan

Home 2 Loan

Existing Property 1

Existing Property 2

Existing Property 3

-

-

-

-

-

-

- Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5

-

-

-

-

-

-

-

- Proposed Property 5

Total Loans

Net Assets (Equity)


-

-

11,481,206

8,671,944

*Includes savings.


Multiple Properties Entire Taxes Payable: George

Entire Taxes PayableGeorge


George 43 44 45 46

Income Outside InvestmentsIncome Outside Investments

Salary 100,000 103,000 106,090 109,273

Less: Salary Sacrifice Amount - - - -

Bonus 10,000 10,300 10,609 10,927

Interest Earned On Savings Account 1,125 1,617 1,038 1,318

Total Income Outside Investments 111,125 114,917 117,737 121,518

Investment Taxable Profit (+) / Loss (-)

Existing Property 1 (5,804) (4,621) (3,382) (2,081)





Proposed Property 1 (8,975) (8,388) (7,772) (7,125)Proposed Property 1 (8,975) (8,388) (7,772) (7,125)

Proposed Property 2 - - (10,410) (9,821)





Total (14,779) (13,009) (21,563) (19,027)

Capital Gains/Losses


Existing Properties - - - -

Proposed Properties - - - -

Total Capital Gains / Losses - - - -

Accumulated Capital Losses - - - -

Losses Used For The Year - - - -

Tax Payable

Taxable Income 96,346 101,908 96,173 102,491

Accumulated Income Losses - - - -

Losses Used For The Year - - - - Losses Used For The Year - - - -

Taxable Income After Past Losses Used 96,346 101,908 96,173 102,491

Capital Gains After Past Losses Used - - - -

Total Taxable Income 96,346 101,908 96,173 102,491

Tax Payable (25,043) (27,184) (24,977) (27,409)

Tax On Super Contributions Over The LimitTax On Super Contributions Over The Limit

Tax on Excess Concessional (31.5%) - - - -

Tax on Excess Non-Concessional (46.5%) - - - -

Franking Credit Offset - - - -

Net Tax Payable (-ve) / Refund (+ve) (25,043) (27,184) (24,977) (27,409)




Years From Now

George

Income Outside Investments

5 6 7 8

47 48 49 50


Salary

Less: Salary Sacrifice Amount

Bonus

Interest Earned On Savings Account

Total Income Outside Investments

112,551 115,927 119,405 122,987

- - - -

11,255 11,593 11,941 12,299

1,656 2,050 2,498 3,002

125,462 129,570 133,844 138,288


Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

(717) 716 2,220 3,800

- - - -

- - - -

- - - -

- - - -

(6,447) (5,710) (4,962) (4,176)Proposed Property 1

Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5


Total

(6,447) (5,710) (4,962) (4,176)

(9,201) (8,549) (7,863) (7,116)

- - - -

- - - -

- - - -

- - - -

(16,365) (13,543) (10,605) (7,492)



Existing Properties

Proposed Properties

Total Capital Gains / Losses

- - - -

- - - -

- - - -

- - - -

Accumulated Capital Losses

Losses Used For The Year

Tax Payable

Taxable Income

Accumulated Income Losses


- - - -

- - - -

109,097 116,027 123,238 130,796

- - - -

- - - - Losses Used For The Year

Taxable Income After Past Losses Used

Capital Gains After Past Losses Used

Total Taxable Income

Tax Payable

Tax On Super Contributions Over The Limit

- - - -

109,097 116,027 123,238 130,796

- - - -

109,097 116,027 123,238 130,796

(29,952) (32,620) (35,397) (38,306)


Tax on Excess Concessional (31.5%)

Tax on Excess Non-Concessional (46.5%)

Franking Credit Offset

Net Tax Payable (-ve) / Refund (+ve)

- - - -

- - - -

- - - -

(29,952) (32,620) (35,397) (38,306)




Years From Now

George


9 10 11 12

51 52 53 54


Salary


Bonus



126,677 130,477 134,392 138,423

- - - -

12,668 13,048 13,439 13,842

3,565 4,188 4,874 5,624

142,910 147,713 152,705 157,890


Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

5,461 7,207 9,044 10,976

- - - -

- - - -

- - - -

- - - -

(3,350) (2,482) (1,568) (606)Proposed Property 1

Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5


Total

(3,350) (2,482) (1,568) (606)

(6,356) (5,554) (4,709) (3,818)

- - - -

- - - -

- - - -

- - - -

(4,245) (829) 2,767 6,552



Existing Properties

Proposed Properties


- - - -

- - - -

- - - -

- - - -



Tax Payable

Taxable Income



- - - -

- - - -

138,665 146,884 155,471 164,443

- - - -





Tax Payable


- - - -

138,665 146,884 155,471 164,443

- - - -

138,665 146,884 155,471 164,443

(41,336) (44,500) (47,806) (51,260)






- - - -

- - - -

- - - -

(41,336) (44,500) (47,806) (51,260)




Years From Now

George


13 14 15 16

55 56 57 58


Salary


Bonus



142,576 146,853 151,259 155,797

- - - -

14,258 14,685 15,126 15,580

6,442 7,329 8,280 9,285

163,276 168,867 174,664 180,662


Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

13,011 15,153 17,411 19,790

- - - -

- - - -

- - - -

- - - -

407 1,473 2,597 3,782 Proposed Property 1

Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5


Total

407 1,473 2,597 3,782

(2,877) (1,884) (835) 274

- - - -

- - - -

- - - -

- - - -

10,540 14,743 19,173 23,846



Existing Properties

Proposed Properties


- - - -

- - - -

- - - -

- - - -



Tax Payable

Taxable Income



- - - -

- - - -

173,816 183,610 193,838 204,508

- - - -





Tax Payable


- - - -

173,816 183,610 193,838 204,508

- - - -

173,816 183,610 193,838 204,508

(54,869) (58,929) (63,684) (68,646)






- - - -

- - - -

- - - -

(54,869) (58,929) (63,684) (68,646)




Years From Now

George


17 18 19 20

59 60 61 62


Salary


Bonus



160,471 165,285 170,243 175,351

- - - -

16,047 16,528 17,024 17,535

10,346 11,462 12,635 13,864

186,864 193,275 199,902 206,749


Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

22,298 24,944 27,736 30,683

- - - -

- - - -

- - - -

- - - -

5,031 6,350 7,741 9,209 Proposed Property 1

Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5


Total

5,031 6,350 7,741 9,209

1,447 2,688 4,002 5,393

- - - -

- - - -

- - - -

- - - -

28,777 33,982 39,478 45,285



Existing Properties

Proposed Properties


- - - -

- - - -

- - - -

- - - -



Tax Payable

Taxable Income



- - - -

- - - -

215,640 227,257 239,381 252,035

- - - -





Tax Payable


- - - -

215,640 227,257 239,381 252,035

- - - -

215,640 227,257 239,381 252,035

(73,823) (79,225) (84,862) (90,746)






- - - -

- - - -

- - - -

(73,823) (79,225) (84,862) (90,746)




Years From Now

George


21 22 23 24

63 64 65 66


Salary


Bonus



180,611 186,029 191,610 197,359

- - - -

18,061 18,603 19,161 19,736

15,149 17,769 20,482 23,288

213,821 222,402 231,253 240,382


Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

32,882 34,086 35,326 36,603

- - - -

- - - -

- - - -

- - - -


Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5


Total

10,761 12,400 14,132 15,964

6,867 8,430 10,087 11,846

- - - -

- - - -

- - - -

- - - -

50,510 54,915 59,545 64,413



Existing Properties

Proposed Properties


- - - -

- - - -

- - - -

- - - -



Tax Payable

Taxable Income



- - - -

- - - -

264,331 277,317 290,798 304,795

- - - -





Tax Payable


- - - -

264,331 277,317 290,798 304,795

- - - -

264,331 277,317 290,798 304,795

(96,464) (102,502) (108,771) (115,280)






- - - -

- - - -

- - - -

(96,464) (102,502) (108,771) (115,280)




Years From Now

George


25 26 27 28

67 68 69 70


Salary


Bonus



203,279 209,378 215,659 222,129

- - - -

20,328 20,938 21,566 22,213

26,188 29,183 33,181 37,329

249,795 259,499 270,406 281,670


Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

37,919 39,274 40,669 42,107

- - - -

- - - -

- - - -

- - - -


Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5


Total

17,901 19,302 19,990 20,698

13,713 15,696 17,802 19,302

- - - -

- - - -

- - - -

- - - -

69,533 74,271 78,461 82,107



Existing Properties

Proposed Properties


- - - -

- - - -

- - - -

- - - -



Tax Payable

Taxable Income



- - - -

- - - -

319,328 333,770 348,868 363,777

- - - -





Tax Payable


- - - -

319,328 333,770 348,868 363,777

- - - -

319,328 333,770 348,868 363,777

(122,038) (128,753) (135,774) (142,706)






- - - -

- - - -

- - - -

(122,038) (128,753) (135,774) (142,706)




Years From Now

George


29 30

71 72


Salary


Bonus



228,793 235,657

- -

22,879 23,566

42,592 48,072

294,265 307,294


Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

43,588 45,113

- -

- -

- -

- -

21,428 22,179 Proposed Property 1

Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5


Total

21,428 22,179

19,990 20,698

- -

- -

- -

- -

85,005 87,990



Existing Properties

Proposed Properties


- -

- -

- -

- -



Tax Payable

Taxable Income



- -

- -

379,270 395,284

- -

- - Losses Used For The Year




Tax Payable


- -

379,270 395,284

- -

379,270 395,284

(149,910) (157,357)






- -

- -

- -

(149,910) (157,357)


Multiple Properties Entire Taxes Payable: Jane

Entire Taxes PayableJane


Jane 40 41 42 43

Income Outside InvestmentsIncome Outside Investments

Salary 80,000 82,400 84,872 87,418

Less: Salary Sacrifice Amount - - - -

Bonus 5,000 5,150 5,305 5,464

Interest Earned On Savings Account 1,125 1,617 1,038 1,318

Total Income Outside Investments 86,125 89,167 91,214 94,200







Proposed Property 1 (8,975) (8,388) (7,772) (7,125)Proposed Property 1 (8,975) (8,388) (7,772) (7,125)

Proposed Property 2 - - (10,410) (9,821)





Total (8,975) (8,388) (18,182) (16,946)



Existing Properties - - - -

Proposed Properties - - - -

Total Capital Gains / Losses - - - -

Accumulated Capital Losses - - - -

Losses Used For The Year - - - -

Tax Payable

Taxable Income 77,150 80,779 73,032 77,254

Accumulated Income Losses - - - -

Losses Used For The Year - - - - Losses Used For The Year - - - -

Taxable Income After Past Losses Used 77,150 80,779 73,032 77,254

Capital Gains After Past Losses Used - - - -

Total Taxable Income 77,150 80,779 73,032 77,254

Tax Payable (17,852) (19,050) (16,555) (17,885)

Tax On Super Contributions Over The LimitTax On Super Contributions Over The Limit

Tax on Excess Concessional (31.5%) - - - -

Tax on Excess Non-Concessional (46.5%) - - - -

Franking Credit Offset - - - -

Net Tax Payable (-ve) / Refund (+ve) (17,852) (19,050) (16,555) (17,885)




Years From Now

Jane


5 6 7 8

44 45 46 47


Salary


Bonus



90,041 92,742 95,524 98,390

- - - -

5,628 5,796 5,970 6,149

1,656 2,050 2,498 3,002

97,324 100,588 103,992 107,542


Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

- - - -

- - - -

- - - -

- - - -

- - - -

(6,447) (5,710) (4,962) (4,176)Proposed Property 1

Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5


Total

(6,447) (5,710) (4,962) (4,176)

(9,201) (8,549) (7,863) (7,116)

- - - -

- - - -

- - - -

- - - -

(15,648) (14,259) (12,825) (11,292)



Existing Properties

Proposed Properties


- - - -

- - - -

- - - -

- - - -



Tax Payable

Taxable Income



- - - -

- - - -

81,676 86,329 91,167 96,249

- - - -





Tax Payable


- - - -

81,676 86,329 91,167 96,249

- - - -

81,676 86,329 91,167 96,249

(19,395) (21,187) (23,049) (25,006)






- - - -

- - - -

- - - -

(19,395) (21,187) (23,049) (25,006)




Years From Now

Jane


9 10 11 12

48 49 50 51


Salary


Bonus



101,342 104,382 107,513 110,739

- - - -

6,334 6,524 6,720 6,921

3,565 4,188 4,874 5,624

111,240 115,094 119,107 123,284


Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

- - - -

- - - -

- - - -

- - - -

- - - -

(3,350) (2,482) (1,568) (606)Proposed Property 1

Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5


Total

(3,350) (2,482) (1,568) (606)

(6,356) (5,554) (4,709) (3,818)

- - - -

- - - -

- - - -

- - - -

(9,706) (8,036) (6,277) (4,424)



Existing Properties

Proposed Properties


- - - -

- - - -

- - - -

- - - -



Tax Payable

Taxable Income



- - - -

- - - -

101,534 107,058 112,830 118,860

- - - -





Tax Payable


- - - -

101,534 107,058 112,830 118,860

- - - -

101,534 107,058 112,830 118,860

(27,041) (29,167) (31,389) (33,711)






- - - -

- - - -

- - - -

(27,041) (29,167) (31,389) (33,711)




Years From Now

Jane


13 14 15 16

52 53 54 55


Salary


Bonus



114,061 117,483 121,007 124,637

- - - -

7,129 7,343 7,563 7,790

6,442 7,329 8,280 9,285

127,632 132,154 136,850 141,712


Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

- - - -

- - - -

- - - -

- - - -

- - - -

407 1,473 2,597 3,782 Proposed Property 1

Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5


Total

407 1,473 2,597 3,782

(2,877) (1,884) (835) 274

- - - -

- - - -

- - - -

- - - -

(2,471) (411) 1,762 4,056



Existing Properties

Proposed Properties


- - - -

- - - -

- - - -

- - - -



Tax Payable

Taxable Income



- - - -

- - - -

125,161 131,743 138,612 145,769

- - - -





Tax Payable


- - - -

125,161 131,743 138,612 145,769

- - - -

125,161 131,743 138,612 145,769

(36,137) (38,671) (41,316) (44,071)






- - - -

- - - -

- - - -

(36,137) (38,671) (41,316) (44,071)




Years From Now

Jane


17 18 19 20

56 57 58 59


Salary


Bonus



128,377 132,228 136,195 140,280

- - - -

8,024 8,264 8,512 8,768

10,346 11,462 12,635 13,864

146,746 151,954 157,342 162,912


Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

- - - -

- - - -

- - - -

- - - -

- - - -


Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5


Total

5,031 6,350 7,741 9,209

1,447 2,688 4,002 5,393

- - - -

- - - -

- - - -

- - - -

6,479 9,038 11,742 14,602



Existing Properties

Proposed Properties


- - - -

- - - -

- - - -

- - - -



Tax Payable

Taxable Income



- - - -

- - - -

153,224 160,992 169,084 177,514

- - - -





Tax Payable


- - - -

153,224 160,992 169,084 177,514

- - - -

153,224 160,992 169,084 177,514

(46,941) (49,932) (53,047) (56,293)






- - - -

- - - -

- - - -

(46,941) (49,932) (53,047) (56,293)




Years From Now

Jane


21 22 23 24

60 61 62 63


Salary


Bonus



144,489 148,824 153,288 157,887

- - - -

9,031 9,301 9,581 9,868

15,149 17,769 20,482 23,288

168,668 175,895 183,351 191,043


Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

- - - -

- - - -

- - - -

- - - -

- - - -


Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5


Total

10,761 12,400 14,132 15,964

6,867 8,430 10,087 11,846

- - - -

- - - -

- - - -

- - - -

17,628 20,829 24,219 27,810



Existing Properties

Proposed Properties


- - - -

- - - -

- - - -

- - - -



Tax Payable

Taxable Income



- - - -

- - - -

186,296 196,724 207,570 218,852

- - - -





Tax Payable


- - - -

186,296 196,724 207,570 218,852

- - - -

186,296 196,724 207,570 218,852

(60,178) (65,027) (70,070) (75,316)






- - - -

- - - -

- - - -

(60,178) (65,027) (70,070) (75,316)




Years From Now

Jane


25 26 27 28

64 65 66 67


Salary


Bonus



162,624 167,502 172,527 177,703

- - - -

10,164 10,469 10,783 11,106

26,188 29,183 33,181 37,329

198,975 207,154 216,492 226,138


Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

- - - -

- - - -

- - - -

- - - -

- - - -


Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5


Total

17,901 19,302 19,990 20,698

13,713 15,696 17,802 19,302

- - - -

- - - -

- - - -

- - - -

31,614 34,997 37,792 40,000



Existing Properties

Proposed Properties


- - - -

- - - -

- - - -

- - - -



Tax Payable

Taxable Income



- - - -

- - - -

230,590 242,152 254,284 266,138

- - - -





Tax Payable


- - - -

230,590 242,152 254,284 266,138

- - - -

230,590 242,152 254,284 266,138

(80,774) (86,151) (91,792) (97,304)






- - - -

- - - -

- - - -

(80,774) (86,151) (91,792) (97,304)




Years From Now

Jane


29 30

68 69


Salary


Bonus



183,034 188,525

- -

11,440 11,783

42,592 48,072

237,066 248,380


Existing Property 1

Existing Property 2

Existing Property 3

Existing Property 4

Existing Property 5

Proposed Property 1

- -

- -

- -

- -

- -

21,428 22,179 Proposed Property 1

Proposed Property 2

Proposed Property 3

Proposed Property 4

Proposed Property 5


Total

21,428 22,179

19,990 20,698

- -

- -

- -

- -

41,417 42,878



Existing Properties

Proposed Properties


- -

- -

- -

- -



Tax Payable

Taxable Income



- -

- -

278,484 291,257

- -

- - Losses Used For The Year




Tax Payable


- -

278,484 291,257

- -

278,484 291,257

(103,045) (108,985)






- -

- -

- -

(103,045) (108,985)


Multiple Properties Scenario Comparison

Scenario Comparison

See how many years from now? 1

Age - George 43

Age - Jane 40


Current Comparison Change

Scenario Name 3 Properties 1 Property

Personal Assets & LoansPersonal Assets & Loans

Savings 71,849 134,335 62,486

Home Value 682,500 682,500 -

Investments Value 1,050,000 525,000 (525,000)

Line of Credit - - -

Home Loan (293,270) (293,270) -

Investment Loans (753,940) (292,863) 461,077

Equity 757,139 755,701 (1,438)

Cash Flow

Cash In 248,210 224,980 (23,230)

Cash Out (125,331) (96,779) 28,552

Net Cash From Salary & Invesments 122,879 128,201 5,322

Living Expenses (80,000) (80,000) -

Financing Cash Flow (21,030) (13,866) 7,163

Total Cash Surplus or Deficit 21,849 34,335 12,486

TaxTax

George

Taxable Income 96,346 106,446 10,100

Net Tax Payable (25,043) (28,932) (3,888)

Jane

Taxable Income 77,150 87,250 10,100

Net Tax Payable (17,852) (21,541) (3,689)Net Tax Payable (17,852) (21,541) (3,689)

Total Taxes Up To Year 1 (42,896) (50,473) (7,577)

Super Assets & Loans

Assets 15,957 15,957 -

Loans - - -

Equity 15,957 15,957 -


Multiple Properties Scenario Comparison

6,000,000

8,000,000

10,000,000

12,000,000

14,000,000 Equity Comparison


-

2,000,000

4,000,000

6,000,000

8,000,000

10,000,000

0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30

Years From Now1 Property 3 Properties

Cash Flow

1 Property 3 Properties

50,000

100,000

150,000

200,000

250,000

300,000

Cash Flow

(100,000)

(50,000)

-

50,000

100,000

150,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31

Years From Now

3 Properties 1 Property

Total Taxes Paid*


(4,000,000)

(3,500,000)

(3,000,000)

(2,500,000)

(2,000,000)

(1,500,000)

(1,000,000) 1 3 5 7 9 11 13 15 17 19 21 23 25 27 29

Total Taxes Paid*

*This is cumulative over time i.e. year 3 shows the total taxes paid over the past 3 years.

(2,000,000)

(1,500,000)

(1,000,000)

(500,000)

-

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29

Years From Now


Equity In Super

-100,000 200,000 300,000 400,000 500,000 600,000 700,000 800,000

Equity In Super

-100,000 200,000 300,000

0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30

Years From Now



Multiple Properties Individual Investment Summary: Existing Property 1

Individual Investment SummaryExisting Property 1

1 Year From Now

You can see the full breakdown of how these figures are calculated by seeing the appropriate

report.


How much will my investment be worth?

Ages - Investor 1 & 2 43 & 40

Asset Value 525,000


report.

2,000,000

2,500,000

Asset Loan Equity

Asset Value 525,000

Loan Balance (292,863)

Equity 232,137

Capital Growth 25,000

(From Last Year)

-

500,000

1,000,000

1,500,000

2,000,000

2,500,000

Asset Loan Equity

What is my profit or loss?

-

500,000

0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30

Years From Now

50,000

60,000 Cash Profit / Loss Tax Profit / Loss


Rent 25,480

Interest Payments (20,774)

Other Cash Expenses (3,260)

Cash Profit / Loss** 1,446 -

10,000

20,000

30,000

40,000

50,000


Cash Profit / Loss** 1,446

Tax Profit / Loss (5,804)

How much will my investment cost me?


(10,000)

-

10,000

20,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29

Years From Now

-12%Ages - Investor 1 & 2 43 & 40

Add Principal Pmts (7,137)

Total Cost (31,171)

Rent 25,480

Tax Saving / Extra 2,060

6%

-12%

Rent

Tax Saving / Extra

Actual Cost / Profit

Actual Cost / Profit (3,630)

Per Week (70)

**Excludes any principal payments.

82%





5 Years From Now


report.




Asset Value 638,141


report.

2,000,000

2,500,000

Asset Loan Equity

Asset Value 638,141


Equity 379,371


(From Last Year)

-

500,000

1,000,000

1,500,000

2,000,000

2,500,000

Asset Loan Equity


-

500,000

0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30

Years From Now

50,000



Rent 28,678




10,000

20,000

30,000

40,000

50,000



Tax Profit / Loss (717)



(10,000)

-

10,000

20,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29

Years From Now

1%

-8%Ages - Investor 1 & 2 47 & 44


Total Cost (31,580)

Rent 28,678

Tax Saving / Extra 254

1%

-8%

Rent

Tax Saving / Extra



Per Week (51)


91%





10 Years From Now


report.




Asset Value 814,447


report.

2,000,000

2,500,000

Asset Loan Equity

Asset Value 814,447


Equity 614,126


(From Last Year)

-

500,000

1,000,000

1,500,000

2,000,000

2,500,000

Asset Loan Equity


-

500,000

0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30

Years From Now

50,000



Rent 33,246




10,000

20,000

30,000

40,000

50,000



Tax Profit / Loss 7,207



(10,000)

-

10,000

20,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29

Years From Now

-7%-4%



Total Cost (32,164)

Rent 33,246

Tax Saving / Extra (2,558)

-7%-4%

Rent

Tax Saving / Extra



Per Week (28)


89%





20 Years From Now


report.




Asset Value 1,326,649


report.

2,000,000

2,500,000

Asset Loan Equity


Loan Balance -

Equity 1,326,649


(From Last Year)

-

500,000

1,000,000

1,500,000

2,000,000

2,500,000

Asset Loan Equity


-

500,000

0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30

Years From Now

50,000



Rent 44,679




10,000

20,000

30,000

40,000

50,000






(10,000)

-

10,000

20,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29

Years From Now

-4%Ages - Investor 1 & 2 62 & 59


Total Cost (33,627)

Rent 44,679


74%

-22%

-4%

Rent

Tax Saving / Extra



Per Week (44)


74%





30 Years From Now


report.






report.

2,000,000

2,500,000

Asset Loan Equity


Loan Balance -

Equity 2,160,971


(From Last Year)

-

500,000

1,000,000

1,500,000

2,000,000

2,500,000

Asset Loan Equity


-

500,000

0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30

Years From Now

50,000



Rent 60,045

Interest Payments -



10,000

20,000

30,000

40,000

50,000






(10,000)

-

10,000

20,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29

Years From Now

29%Ages - Investor 1 & 2 72 & 69

Add Principal Pmts -

Total Cost (7,682)

Rent 60,045


53%

29%

Rent

Tax Saving / Extra


Actual Cost / Profit 32,739

Per Week 630


-16%



Multiple Properties Profit / Loss: Existing Property 1

Profit / LossExisting Property 1


George's Age 43 44 45 46George's Age 43 44 45 46

Jane's Age 40 41 42 43

Rental Income 25,480 26,244 27,032 27,843

Cash Expenses

Interest Payments (20,774) (20,258) (19,705) (19,112)Interest Payments (20,774) (20,258) (19,705) (19,112)

Accounting (200) (206) (212) (219)

Agent's Commission - - - -

Body Corporate Fees / Strata (1,000) (1,030) (1,061) (1,093)

Council Rates (1,500) (1,545) (1,591) (1,639)

Repairs and Maintenance - - - -

Water Charges & Electricity (500) (515) (530) (546)

Borrowing Expenses* (60) (62) (64) (66)Borrowing Expenses* (60) (62) (64) (66)

Insurance - - - -

Land Tax - - - -

Other Ongoing Deductible Expenses - - - -

Total Cash Expenses (24,034) (23,616) (23,163) (22,674)

Net Cash Profit / Loss 1,446 2,629 3,868 5,169

Principal Payments (7,137) (7,653) (8,206) (8,799)

Net Cash Profit / Loss Incl. Principal (5,691) (5,024) (4,338) (3,630)

Add Non-Cash Elements

Borrowing Costs** - - - -

Depreciation (Construction) (6,250) (6,250) (6,250) (6,250)Depreciation (Construction) (6,250) (6,250) (6,250) (6,250)

Depreciation (Fit-Out) (1,000) (1,000) (1,000) (1,000)

Add Back Principal (Non-Deductible) 7,137 7,653 8,206 8,799

Total Taxable Expenses (31,284) (30,866) (30,413) (29,924)

- - - -

Net Taxable Profit / Loss (5,804) (4,621) (3,382) (2,081)

*Borrowing Expenses include are account fees

deductible each year.**Borrowing Costs are from setting up the loan

initially. These are only deductible over the first 5

years.




Years From Now

George's Age

5 6 7 8

47 48 49 50George's Age

Jane's Age

Rental Income

Cash Expenses

Interest Payments

47 48 49 50

44 45 46 47

28,678 29,538 30,424 31,337

(18,475) (17,793) (17,062) (16,278)Interest Payments

Accounting

Agent's Commission

Body Corporate Fees / Strata

Council Rates

Repairs and Maintenance

Water Charges & Electricity

Borrowing Expenses*

(18,475) (17,793) (17,062) (16,278)

(225) (232) (239) (246)

- - - -

(1,126) (1,159) (1,194) (1,230)

(1,688) (1,739) (1,791) (1,845)

- - - -

(563) (580) (597) (615)

(68) (70) (72) (74)Borrowing Expenses*

Insurance

Land Tax

Other Ongoing Deductible Expenses

Total Cash Expenses

Net Cash Profit / Loss

(68) (70) (72) (74)

- - - -

- - - -

- - - -

(22,145) (21,573) (20,955) (20,287)

6,533 7,966 9,470 11,050

Principal Payments

Net Cash Profit / Loss Incl. Principal


Borrowing Costs**

Depreciation (Construction)

(9,435) (10,117) (10,849) (11,633)

(2,902) (2,152) (1,379) (583)

- - - -

(6,250) (6,250) (6,250) (6,250)Depreciation (Construction)

Depreciation (Fit-Out)

Add Back Principal (Non-Deductible)

Total Taxable Expenses

(6,250) (6,250) (6,250) (6,250)

(1,000) (1,000) (1,000) (1,000)

9,435 10,117 10,849 11,633

(29,395) (28,823) (28,205) (27,537)

- - - -

Net Taxable Profit / Loss (717) 716 2,220 3,800




years.




Years From Now

George's Age

9 10 11 12


Jane's Age

Rental Income

Cash Expenses

Interest Payments

51 52 53 54

48 49 50 51

32,277 33,246 34,243 35,270


Accounting

Agent's Commission


Council Rates



Borrowing Expenses*

(15,437) (14,535) (13,568) (12,531)

(253) (261) (269) (277)

- - - -

(1,267) (1,305) (1,344) (1,384)

(1,900) (1,957) (2,016) (2,076)

- - - -

(633) (652) (672) (692)


Insurance

Land Tax


Total Cash Expenses


(76) (78) (81) (83)

- - - -

- - - -

- - - -

(19,566) (18,789) (17,949) (17,044)

12,711 14,457 16,294 18,226

Principal Payments



Borrowing Costs**


(12,474) (13,376) (14,343) (15,379)

237 1,081 1,951 2,847

- - - -





(6,250) (6,250) (6,250) (6,250)

(1,000) (1,000) (1,000) (1,000)

12,474 13,376 14,343 15,379

(26,816) (26,039) (25,199) (24,294)

- - - -

Net Taxable Profit / Loss 5,461 7,207 9,044 10,976




years.




Years From Now

George's Age

13 14 15 16


Jane's Age

Rental Income

Cash Expenses

Interest Payments

55 56 57 58

52 53 54 55

36,328 37,418 38,541 39,697


Accounting

Agent's Commission


Council Rates



Borrowing Expenses*

(11,419) (10,227) (8,949) (7,578)

(285) (294) (303) (312)

- - - -

(1,426) (1,469) (1,513) (1,558)

(2,139) (2,203) (2,269) (2,337)

- - - -

(713) (734) (756) (779)


Insurance

Land Tax


Total Cash Expenses


(86) (88) (91) (93)

- - - -

- - - -

- - - -

(16,067) (15,015) (13,880) (12,657)

20,261 22,403 24,661 27,040

Principal Payments



Borrowing Costs**


(16,491) (17,683) (18,962) (20,333)

3,770 4,720 5,699 6,707

- - - -





(6,250) (6,250) (6,250) (6,250)

(1,000) (1,000) (1,000) (1,000)

16,491 17,683 18,962 20,333

(23,317) (22,265) (21,130) (19,907)

- - - -





years.




Years From Now

George's Age

17 18 19 20


Jane's Age

Rental Income

Cash Expenses

Interest Payments

59 60 61 62

56 57 58 59

40,888 42,115 43,378 44,679


Accounting

Agent's Commission


Council Rates



Borrowing Expenses*

(6,108) (4,532) (2,842) (1,030)

(321) (331) (340) (351)

- - - -

(1,605) (1,653) (1,702) (1,754)

(2,407) (2,479) (2,554) (2,630)

- - - -

(802) (826) (851) (877)


Insurance

Land Tax


Total Cash Expenses


(96) (99) (102) (105)

- - - -

- - - -

- - - -

(11,340) (9,921) (8,392) (6,747)

29,548 32,194 34,986 37,933

Principal Payments



Borrowing Costs**


(21,802) (23,378) (25,068) (26,881)

7,746 8,816 9,917 11,052

- - - -





(6,250) (6,250) (6,250) (6,250)

(1,000) (1,000) (1,000) (1,000)

21,802 23,378 25,068 26,881

(18,590) (17,171) (15,642) (13,997)

- - - -





years.




Years From Now

George's Age

21 22 23 24


Jane's Age

Rental Income

Cash Expenses

Interest Payments

63 64 65 66

60 61 62 63

46,020 47,400 48,822 50,287

- - - - Interest Payments

Accounting

Agent's Commission


Council Rates



Borrowing Expenses*

- - - -

(361) (372) (383) (395)

- - - -

(1,806) (1,860) (1,916) (1,974)

(2,709) (2,790) (2,874) (2,960)

- - - -

(903) (930) (958) (987)


Insurance

Land Tax


Total Cash Expenses


(108) (112) (115) (118)

- - - -

- - - -

- - - -

(5,888) (6,065) (6,246) (6,434)

40,132 41,336 42,576 43,853

Principal Payments



Borrowing Costs**


- - - -

40,132 41,336 42,576 43,853

- - - -





(6,250) (6,250) (6,250) (6,250)

(1,000) (1,000) (1,000) (1,000)

- - - -

(13,138) (13,315) (13,496) (13,684)

- - - -





years.




Years From Now

George's Age

25 26 27 28


Jane's Age

Rental Income

Cash Expenses

Interest Payments

67 68 69 70

64 65 66 67

51,796 53,349 54,950 56,598

- - - - Interest Payments

Accounting

Agent's Commission


Council Rates



Borrowing Expenses*

- - - -

(407) (419) (431) (444)

- - - -

(2,033) (2,094) (2,157) (2,221)

(3,049) (3,141) (3,235) (3,332)

- - - -

(1,016) (1,047) (1,078) (1,111)


Insurance

Land Tax


Total Cash Expenses


(122) (126) (129) (133)

- - - -

- - - -

- - - -

(6,627) (6,826) (7,030) (7,241)

45,169 46,524 47,919 49,357

Principal Payments



Borrowing Costs**


- - - -

45,169 46,524 47,919 49,357

- - - -





(6,250) (6,250) (6,250) (6,250)

(1,000) (1,000) (1,000) (1,000)

- - - -

(13,877) (14,076) (14,280) (14,491)

- - - -





years.




Years From Now

George's Age

29 30

71 72George's Age

Jane's Age

Rental Income

Cash Expenses

Interest Payments

71 72

68 69

58,296 60,045

- - Interest Payments

Accounting

Agent's Commission


Council Rates



Borrowing Expenses*

- -

(458) (471)

- -

(2,288) (2,357)

(3,432) (3,535)

- -

(1,144) (1,178)

(137) (141)Borrowing Expenses*

Insurance

Land Tax


Total Cash Expenses


(137) (141)

- -

- -

- -

(7,459) (7,682)

50,838 52,363

Principal Payments



Borrowing Costs**


- -

50,838 52,363

- -

(6,250) (6,250)Depreciation (Construction)




(6,250) (6,250)

(1,000) (1,000)

- -

(14,709) (14,932)

- -

Net Taxable Profit / Loss 43,588 45,113




years.


Multiple Properties How much will my investment be worth?: Existing Property 1

How much will my investment be worth?Existing Property 1

Year Value Loan Equity

0 500,000 300,000 200,000


0 500,000 300,000 200,000

1 525,000 292,863 232,137

2 551,250 285,210 266,040

3 578,813 277,004 301,808

4 607,753 268,205 339,548

5 638,141 258,770 379,371

6 670,048 248,652 421,395 6 670,048 248,652 421,395

7 703,550 237,804 465,746

8 738,728 226,171 512,557

9 775,664 213,697 561,967

10 814,447 200,321 614,126

11 855,170 185,978 669,191

12 897,928 170,599 727,329

13 942,825 154,108 788,717 13 942,825 154,108 788,717

14 989,966 136,424 853,542

15 1,039,464 117,462 922,002

16 1,091,437 97,130 994,307

17 1,146,009 75,328 1,070,682

18 1,203,310 51,949 1,151,360

19 1,263,475 26,881 1,236,594

20 1,326,649 - 1,326,649 20 1,326,649 - 1,326,649

21 1,392,981 - 1,392,981

22 1,462,630 - 1,462,630

23 1,535,762 - 1,535,762

24 1,612,550 - 1,612,550

25 1,693,177 - 1,693,177

26 1,777,836 - 1,777,836

27 1,866,728 - 1,866,728

26 1,777,836 - 1,777,836

27 1,866,728 - 1,866,728

28 1,960,065 - 1,960,065

29 2,058,068 - 2,058,068

30 2,160,971 - 2,160,971

2,500,000

Value Loan Equity

1,000,000

1,500,000

2,000,000

2,500,000

Value Loan Equity

-

500,000

1,000,000

0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30

Years From Now


Multiple Properties How much will it cost me?: Existing Property 1

How much will it cost me?Existing Property 1

1 Year From Now

This page shows you how much the investment will actually cost you or how much profit you will make


George Jane Total

Existing Property 1 Ownership 100% 0% 100%

Without Existing Property 1 George Jane Total


when the tax saving or extra tax payable due to the investment is taken into account.


Salary Less Salary Sacrifice 100,000 80,000 180,000

Bonus 10,000 5,000 15,000

Interest Earned On Savings 1,125 1,125 2,250

Taxable Profit / Loss On Other Properties (8,975) (8,975) (17,950)

Shares / Managed Funds Profit / Loss - - -

Taxable Income 102,150 77,150 179,300

Tax Payable (24,213) (15,538) (39,751)

With Existing Property 1 George Jane Total

Taxable Profit/Loss On Existing Property 1 (5,804) - (5,804)

New Taxable Income 96,346 77,150 173,496

New Tax Payable (22,153) (15,538) (37,691)New Tax Payable (22,153) (15,538) (37,691)

Tax Saving (+) / Extra Tax (-) 2,060 - 2,060

How Much Existing Property 1 Costs You Yearly Monthly Weekly

Principal Repayments (7,137) (595) (137)Principal Repayments (7,137) (595) (137)

Interest Repayments (20,774) (1,731) (399)

Other Existing Property 1 Cash Expenses (3,260) (272) (63)

Total Cost (31,171) (2,598) (599)

How The Costs Will Be Paid Yearly Monthly Weekly

Rent 25,480 2,123 490

Tax Saving (+) / Extra Tax (-) 2,060 172 40 Tax Saving (+) / Extra Tax (-) 2,060 172 40

Out Of Pocket Profit (+) / Cost (-) (3,630) (303) (70)

82%

6%

-12%

Rent

Tax Saving (+) / Extra Tax (-)

Out Of Pocket Profit (+) / Cost (-)

82%






5 Years From Now



George Jane Total







Bonus 11,255 5,628 16,883




Taxable Income 109,814 81,676 191,490

Tax Payable (26,934) (16,945) (43,879)


Taxable Profit/Loss On Existing Property 1 (717) - (717)



Tax Saving (+) / Extra Tax (-) 254 - 254





Total Cost (31,580) (2,632) (607)


Rent 28,678 2,390 551

Tax Saving (+) / Extra Tax (-) 254 21 5 Tax Saving (+) / Extra Tax (-) 254 21 5


1%-8%

Rent



91%






10 Years From Now



George Jane Total







Bonus 13,048 6,524 19,572




Taxable Income 139,677 107,058 246,735

Tax Payable (37,535) (25,956) (63,491)


Taxable Profit/Loss On Existing Property 1 7,207 - 7,207



Tax Saving (+) / Extra Tax (-) (2,558) - (2,558)


Principal Repayments (13,376) (1,115) (257)Principal Repayments (13,376) (1,115) (257)



Total Cost (32,164) (2,680) (619)


Rent 33,246 2,770 639

Tax Saving (+) / Extra Tax (-) (2,558) (213) (49)Tax Saving (+) / Extra Tax (-) (2,558) (213) (49)


-7%-4%

Rent



89%






20 Years From Now



George Jane Total







Bonus 17,535 8,768 26,303


Taxable Profit / Loss On Other Properties 14,602 14,602 29,205


Taxable Income 221,352 177,514 398,866

Tax Payable (69,838) (50,967) (120,805)








Interest Repayments (1,030) (86) (20)


Total Cost (33,627) (2,802) (647)


Rent 44,679 3,723 859

Tax Saving (+) / Extra Tax (-) (13,347) (1,112) (257)Tax Saving (+) / Extra Tax (-) (13,347) (1,112) (257)


74%

-22%

-4%

Rent


Out Of Pocket Profit (+) / Cost (-)74%

-22%Tax Saving (+) / Extra Tax (-)





30 Years From Now



George Jane Total







Bonus 23,566 11,783 35,348




Taxable Income 350,171 291,257 641,428

Tax Payable (125,874) (100,247) (226,121)







Principal Repayments - - - Principal Repayments - - -

Interest Repayments - - -


Total Cost (7,682) (640) (148)


Rent 60,045 5,004 1,155


Out Of Pocket Profit (+) / Cost (-) 32,739 2,728 630

53%

-16%

29%

Rent



53%

-16%




Multiple Properties Individual Investment Summary: Proposed Property 1

Individual Investment SummaryProposed Property 1

1 Year From Now


report.




Asset Value 525,000


report.

2,000,000

2,500,000

Asset Loan Equity

Asset Value 525,000


Equity 63,923


(From Last Year)

-

500,000

1,000,000

1,500,000

2,000,000

2,500,000

Asset Loan Equity


-

500,000

0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30

Years From Now

50,000



Rent 25,480



Cash Profit / Loss** (10,650)(20,000)

(10,000)

-

10,000

20,000

30,000

40,000

50,000

60,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29

Cash Profit / Loss Tax Profit / Loss

Cash Profit / Loss** (10,650)




(30,000)

(20,000)

(10,000)

-

10,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29

Years From Now

-27%Ages - Investor 1 & 2 43 & 40


Total Cost (43,293)

Rent 25,480

Tax Saving / Extra 6,173 59%

14%

-27%

Rent

Tax Saving / Extra



Per Week (224)


59%

14%





5 Years From Now


report.




Asset Value 638,141


report.

2,000,000

2,500,000

Asset Loan Equity

Asset Value 638,141


Equity 211,283


(From Last Year)

-

500,000

1,000,000

1,500,000

2,000,000

2,500,000

Asset Loan Equity


-

500,000

0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30

Years From Now

50,000



Rent 28,678



Cash Profit / Loss** (5,594)(20,000)

(10,000)

-

10,000

20,000

30,000

40,000

50,000

60,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29






(30,000)

(20,000)

(10,000)

-

10,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29

Years From Now

-24%Ages - Investor 1 & 2 47 & 44


Total Cost (43,742)

Rent 28,678


10%

-24%

Rent

Tax Saving / Extra



Per Week (202)


66%10% Actual Cost / Profit




10 Years From Now


report.




Asset Value 814,447


report.

2,000,000

2,500,000

Asset Loan Equity

Asset Value 814,447


Equity 446,254


(From Last Year)

-

500,000

1,000,000

1,500,000

2,000,000

2,500,000

Asset Loan Equity


-

500,000

0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30

Years From Now

50,000



Rent 33,246



Cash Profit / Loss** 2,287 (20,000)

(10,000)

-

10,000

20,000

30,000

40,000

50,000

60,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29






(30,000)

(20,000)

(10,000)

-

10,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29

Years From Now

-21%Ages - Investor 1 & 2 52 & 49


Total Cost (44,384)

Rent 33,246

Tax Saving / Extra 1,762

75%

4%

-21%

Rent

Tax Saving / Extra



Per Week (180)


75%





20 Years From Now


report.






report.

2,000,000

2,500,000

Asset Loan Equity



Equity 1,159,516


(From Last Year)

-

500,000

1,000,000

1,500,000

2,000,000

2,500,000

Asset Loan Equity


-

500,000

0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30

Years From Now

50,000



Rent 44,679



Cash Profit / Loss** 25,669 (20,000)

(10,000)

-

10,000

20,000

30,000

40,000

50,000

60,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29






(30,000)

(20,000)

(10,000)

-

10,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29

Years From Now

-14%Ages - Investor 1 & 2 62 & 59


Total Cost (45,991)

Rent 44,679


74%

-12%

-14%

Rent

Tax Saving / Extra



Per Week (165)


74%





30 Years From Now


report.






report.

2,000,000

2,500,000

Asset Loan Equity


Loan Balance -

Equity 2,160,971


(From Last Year)

-

500,000

1,000,000

1,500,000

2,000,000

2,500,000

Asset Loan Equity


-

500,000

0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30

Years From Now

50,000



Rent 60,045

Interest Payments -


Cash Profit / Loss** 51,609 (20,000)

(10,000)

-

10,000

20,000

30,000

40,000

50,000

60,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29






(30,000)

(20,000)

(10,000)

-

10,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29

Years From Now

29%Ages - Investor 1 & 2 72 & 69


Total Cost (8,437)

Rent 60,045


54%

29%

Rent

Tax Saving / Extra



Per Week 621


54%

-17%



Multiple Properties Profit / Loss: Proposed Property 1

Profit / LossProposed Property 1



Jane's Age 40 41 42 43

Rental Income 25,480 26,244 27,032 27,843

Cash Expenses

Interest Payments (32,550) (32,032) (31,477) (30,881)Interest Payments (32,550) (32,032) (31,477) (30,881)

Accounting (500) (515) (530) (546)


Body Corporate Fees / Strata (1,000) (1,030) (1,061) (1,093)

Council Rates (1,500) (1,545) (1,591) (1,639)


Water Charges & Electricity (500) (515) (530) (546)

Borrowing Expenses* (80) (82) (85) (87)Borrowing Expenses* (80) (82) (85) (87)

Insurance - - - -

Land Tax - - - -


Total Cash Expenses (36,130) (35,719) (35,275) (34,793)

Net Cash Profit / Loss (10,650) (9,475) (8,243) (6,951)

Principal Payments (7,163) (7,681) (8,236) (8,832)

Net Cash Profit / Loss Incl. Principal (17,813) (17,156) (16,479) (15,782)


Borrowing Costs** (50) (50) (50) (50)

Depreciation (Construction) (6,250) (6,250) (6,250) (6,250)Depreciation (Construction) (6,250) (6,250) (6,250) (6,250)

Depreciation (Fit-Out) (1,000) (1,000) (1,000) (1,000)

Add Back Principal (Non-Deductible) 7,163 7,681 8,236 8,832

Total Taxable Expenses (43,430) (43,019) (42,575) (42,093)

- - - -





years.




Years From Now

George's Age

5 6 7 8


Jane's Age

Rental Income

Cash Expenses

Interest Payments

47 48 49 50

44 45 46 47

28,678 29,538 30,424 31,337


Accounting

Agent's Commission


Council Rates



Borrowing Expenses*

(30,243) (29,558) (28,824) (28,037)

(563) (580) (597) (615)

- - - -

(1,126) (1,159) (1,194) (1,230)

(1,688) (1,739) (1,791) (1,845)

- - - -

(563) (580) (597) (615)


Insurance

Land Tax


Total Cash Expenses


(90) (93) (96) (98)

- - - -

- - - -

- - - -

(34,272) (33,709) (33,099) (32,440)

(5,594) (4,170) (2,675) (1,103)

Principal Payments



Borrowing Costs**


(9,470) (10,155) (10,889) (11,676)

(15,064) (14,325) (13,563) (12,779)

(50) - - -





(6,250) (6,250) (6,250) (6,250)

(1,000) (1,000) (1,000) (1,000)

9,470 10,155 10,889 11,676

(41,572) (40,959) (40,349) (39,690)

- - - -





years.




Years From Now

George's Age

9 10 11 12


Jane's Age

Rental Income

Cash Expenses

Interest Payments

51 52 53 54

48 49 50 51

32,277 33,246 34,243 35,270


Accounting

Agent's Commission


Council Rates



Borrowing Expenses*

(27,193) (26,288) (25,317) (24,277)

(633) (652) (672) (692)

- - - -

(1,267) (1,305) (1,344) (1,384)

(1,900) (1,957) (2,016) (2,076)

- - - -

(633) (652) (672) (692)


Insurance

Land Tax


Total Cash Expenses


(101) (104) (108) (111)

- - - -

- - - -

- - - -

(31,728) (30,959) (30,129) (29,232)

549 2,287 4,114 6,038

Principal Payments



Borrowing Costs**


(12,520) (13,425) (14,396) (15,436)

(11,971) (11,139) (10,281) (9,398)

- - - -





(6,250) (6,250) (6,250) (6,250)

(1,000) (1,000) (1,000) (1,000)

12,520 13,425 14,396 15,436

(38,978) (38,209) (37,379) (36,482)

- - - -





years.




Years From Now

George's Age

13 14 15 16


Jane's Age

Rental Income

Cash Expenses

Interest Payments

55 56 57 58

52 53 54 55

36,328 37,418 38,541 39,697


Accounting

Agent's Commission


Council Rates



Borrowing Expenses*

(23,161) (21,964) (20,681) (19,306)

(713) (734) (756) (779)

- - - -

(1,426) (1,469) (1,513) (1,558)

(2,139) (2,203) (2,269) (2,337)

- - - -

(713) (734) (756) (779)


Insurance

Land Tax


Total Cash Expenses


(114) (117) (121) (125)

- - - -

- - - -

- - - -

(28,265) (27,222) (26,096) (24,883)

8,063 10,197 12,444 14,814

Principal Payments



Borrowing Costs**


(16,552) (17,749) (19,032) (20,408)

(8,489) (7,552) (6,587) (5,594)

- - - -





(6,250) (6,250) (6,250) (6,250)

(1,000) (1,000) (1,000) (1,000)

16,552 17,749 19,032 20,408

(35,515) (34,472) (33,346) (32,133)

- - - -

Net Taxable Profit / Loss 813 2,947 5,194 7,564




years.




Years From Now

George's Age

17 18 19 20


Jane's Age

Rental Income

Cash Expenses

Interest Payments

59 60 61 62

56 57 58 59

40,888 42,115 43,378 44,679


Accounting

Agent's Commission


Council Rates



Borrowing Expenses*

(17,830) (16,248) (14,552) (12,733)

(802) (826) (851) (877)

- - - -

(1,605) (1,653) (1,702) (1,754)

(2,407) (2,479) (2,554) (2,630)

- - - -

(802) (826) (851) (877)


Insurance

Land Tax


Total Cash Expenses


(128) (132) (136) (140)

- - - -

- - - -

- - - -

(23,575) (22,166) (20,647) (19,011)

17,313 19,949 22,731 25,669

Principal Payments



Borrowing Costs**


(21,883) (23,465) (25,161) (26,980)

(4,570) (3,516) (2,430) (1,311)

- - - -





(6,250) (6,250) (6,250) (6,250)

(1,000) (1,000) (1,000) (1,000)

21,883 23,465 25,161 26,980

(30,825) (29,416) (27,897) (26,261)

- - - -





years.




Years From Now

George's Age

21 22 23 24


Jane's Age

Rental Income

Cash Expenses

Interest Payments

63 64 65 66

60 61 62 63

46,020 47,400 48,822 50,287


Accounting

Agent's Commission


Council Rates



Borrowing Expenses*

(10,783) (8,691) (6,449) (4,044)

(903) (930) (958) (987)

- - - -

(1,806) (1,860) (1,916) (1,974)

(2,709) (2,790) (2,874) (2,960)

- - - -

(903) (930) (958) (987)


Insurance

Land Tax


Total Cash Expenses


(144) (149) (153) (158)

- - - -

- - - -

- - - -

(17,249) (15,351) (13,309) (11,110)

28,771 32,049 35,514 39,177

Principal Payments



Borrowing Costs**


(28,930) (31,022) (33,264) (35,669)

(159) 1,027 2,250 3,508

- - - -





(6,250) (6,250) (6,250) (6,250)

(1,000) (1,000) (1,000) (1,000)

28,930 31,022 33,264 35,669

(24,499) (22,601) (20,559) (18,360)

- - - -





years.




Years From Now

George's Age

25 26 27 28


Jane's Age

Rental Income

Cash Expenses

Interest Payments

67 68 69 70

64 65 66 67

51,796 53,349 54,950 56,598

(1,466) - - - Interest Payments

Accounting

Agent's Commission


Council Rates



Borrowing Expenses*

(1,466) - - -

(1,016) (1,047) (1,078) (1,111)

- - - -

(2,033) (2,094) (2,157) (2,221)

(3,049) (3,141) (3,235) (3,332)

- - - -

(1,016) (1,047) (1,078) (1,111)


Insurance

Land Tax


Total Cash Expenses


(163) (168) (173) (178)

- - - -

- - - -

- - - -

(8,743) (7,496) (7,721) (7,952)

43,053 45,854 47,229 48,646

Principal Payments



Borrowing Costs**


(38,247) - - -

4,805 45,854 47,229 48,646

- - - -





(6,250) (6,250) (6,250) (6,250)

(1,000) (1,000) (1,000) (1,000)

38,247 - - -

(15,993) (14,746) (14,971) (15,202)

- - - -





years.




Years From Now

George's Age

29 30

71 72George's Age

Jane's Age

Rental Income

Cash Expenses

Interest Payments

71 72

68 69

58,296 60,045


Accounting

Agent's Commission


Council Rates



Borrowing Expenses*

- -

(1,144) (1,178)

- -

(2,288) (2,357)

(3,432) (3,535)

- -

(1,144) (1,178)


Insurance

Land Tax


Total Cash Expenses


(183) (189)

- -

- -

- -

(8,191) (8,437)

50,106 51,609

Principal Payments



Borrowing Costs**


- -

50,106 51,609

- -





(6,250) (6,250)

(1,000) (1,000)

- -

(15,441) (15,687)

- -





years.


Multiple Properties How much will my investment be worth?: Proposed Property 1

How much will my investment be worth?Proposed Property 1


0 500,000 468,240 31,760


0 500,000 468,240 31,760

1 525,000 461,077 63,923

2 551,250 453,396 97,854

3 578,813 445,159 133,653

4 607,753 436,328 171,425

5 638,141 426,858 211,283

6 670,048 416,703 253,345 6 670,048 416,703 253,345

7 703,550 405,814 297,736

8 738,728 394,138 344,590

9 775,664 381,618 394,046

10 814,447 368,193 446,254

11 855,170 353,797 501,372

12 897,928 338,361 559,567

13 942,825 321,809 621,016 13 942,825 321,809 621,016

14 989,966 304,060 685,906

15 1,039,464 285,029 754,436

16 1,091,437 264,621 826,816

17 1,146,009 242,738 903,271

18 1,203,310 219,273 984,036

19 1,263,475 194,112 1,069,363

20 1,326,649 167,132 1,159,516 20 1,326,649 167,132 1,159,516

21 1,392,981 138,202 1,254,779

22 1,462,630 107,181 1,355,450

23 1,535,762 73,916 1,461,846

24 1,612,550 38,247 1,574,303

25 1,693,177 - 1,693,177

26 1,777,836 - 1,777,836

27 1,866,728 - 1,866,728

26 1,777,836 - 1,777,836

27 1,866,728 - 1,866,728

28 1,960,065 - 1,960,065

29 2,058,068 - 2,058,068

30 2,160,971 - 2,160,971

2,500,000

Value Loan Equity

1,000,000

1,500,000

2,000,000

2,500,000

Value Loan Equity

-

500,000

1,000,000

0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30

Years From Now


Multiple Properties How much will it cost me?: Proposed Property 1

How much will it cost me?Proposed Property 1

1 Year From Now



George Jane Total

Proposed Property 1 Ownership 50% 50% 100%

Without Proposed Property 1 George Jane Total





Bonus 10,000 5,000 15,000


Taxable Profit / Loss On Other Properties (5,804) - (5,804)


Taxable Income 105,321 86,125 191,446

Tax Payable (25,339) (18,524) (43,863)

With Proposed Property 1 George Jane Total

Taxable Profit/Loss On Proposed Property 1 (8,975) (8,975) (17,950)



Tax Saving (+) / Extra Tax (-) 3,186 2,987 6,173

How Much Proposed Property 1 Costs You Yearly Monthly Weekly



Other Proposed Property 1 Cash Expenses (3,580) (298) (69)

Total Cost (43,293) (3,608) (833)


Rent 25,480 2,123 490



59%

14%

-27%

Rent



14%






5 Years From Now



George Jane Total







Bonus 11,255 5,628 16,883




Taxable Income 115,544 88,123 203,668

Tax Payable (28,968) (19,234) (48,202)










Total Cost (43,742) (3,645) (841)


Rent 28,678 2,390 551



66%10%

-24%

Rent


Out Of Pocket Profit (+) / Cost (-)66%10%






10 Years From Now



George Jane Total







Bonus 13,048 6,524 19,572


Taxable Profit / Loss On Other Properties 1,653 (5,554) (3,901)


Taxable Income 149,366 109,540 258,906

Tax Payable (40,975) (26,837) (67,811)





Tax Saving (+) / Extra Tax (-) 881 881 1,762





Total Cost (44,384) (3,699) (854)


Rent 33,246 2,770 639



75%

4%

-21%

Rent



4% Tax Saving (+) / Extra Tax (-)





20 Years From Now



George Jane Total







Bonus 17,535 8,768 26,303




Taxable Income 242,825 168,305 411,130

Tax Payable (79,179) (47,698) (126,877)


Taxable Profit/Loss On Proposed Property 1 9,209 9,209 18,419



Tax Saving (+) / Extra Tax (-) (4,006) (3,269) (7,275)





Total Cost (45,991) (3,833) (884)


Rent 44,679 3,723 859



74%

-12%

-14%

Rent








30 Years From Now



George Jane Total







Bonus 23,566 11,783 35,348




Taxable Income 373,105 269,078 642,182

Tax Payable (135,851) (90,599) (226,449)










Total Cost (8,437) (703) (162)


Rent 60,045 5,004 1,155



54%

-17%

29%

Rent



54%

-17%






1 Year From Now


report.




Asset Value -


report.

2,000,000

2,500,000

Asset Loan Equity

Asset Value -

Loan Balance -

Equity -

Capital Growth -

(From Last Year)

-

500,000

1,000,000

1,500,000

2,000,000

2,500,000

Asset Loan Equity


-

500,000

0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30

Years From Now

50,000



Rent -

Interest Payments -

Other Cash Expenses -

Cash Profit / Loss** - (20,000)

(10,000)

-

10,000

20,000

30,000

40,000

50,000

60,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29


Cash Profit / Loss** -

Tax Profit / Loss -



(30,000)

(20,000)

(10,000)

-

10,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29

Years From Now

0%0%0%Ages - Investor 1 & 2 43 & 40


Total Cost -

Rent -

Tax Saving / Extra -

0%0%0%

Rent

Tax Saving / Extra


Actual Cost / Profit -

Per Week -






5 Years From Now


report.




Asset Value 578,813


report.

2,000,000

2,500,000

Asset Loan Equity

Asset Value 578,813


Equity 125,291


(From Last Year)

-

500,000

1,000,000

1,500,000

2,000,000

2,500,000

Asset Loan Equity


-

500,000

0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30

Years From Now

50,000



Rent 27,032



Cash Profit / Loss** (11,102)(20,000)

(10,000)

-

10,000

20,000

30,000

40,000

50,000

60,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29






(30,000)

(20,000)

(10,000)

-

10,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29

Years From Now

-27%Ages - Investor 1 & 2 47 & 44


Total Cost (45,949)

Rent 27,032


14%

-27%

Rent

Tax Saving / Extra



Per Week (238)


59%

14%





10 Years From Now


report.




Asset Value 738,728


report.

2,000,000

2,500,000

Asset Loan Equity

Asset Value 738,728


Equity 334,384


(From Last Year)

-

500,000

1,000,000

1,500,000

2,000,000

2,500,000

Asset Loan Equity


-

500,000

0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30

Years From Now

50,000



Rent 31,337



Cash Profit / Loss** (3,858)(20,000)

(10,000)

-

10,000

20,000

30,000

40,000

50,000

60,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29






(30,000)

(20,000)

(10,000)

-

10,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29

Years From Now

-24%Ages - Investor 1 & 2 52 & 49


Total Cost (46,554)

Rent 31,337


9%

-24%

Rent

Tax Saving / Extra



Per Week (217)


67%

9% Actual Cost / Profit




20 Years From Now


report.






report.

2,000,000

2,500,000

Asset Loan Equity



Equity 974,303


(From Last Year)

-

500,000

1,000,000

1,500,000

2,000,000

2,500,000

Asset Loan Equity


-

500,000

0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30

Years From Now

50,000



Rent 42,115



Cash Profit / Loss** 18,036 (20,000)

(10,000)

-

10,000

20,000

30,000

40,000

50,000

60,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29






(30,000)

(20,000)

(10,000)

-

10,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29

Years From Now

-18%Ages - Investor 1 & 2 62 & 59


Total Cost (48,068)

Rent 42,115


74%

-8%

-18%

Rent

Tax Saving / Extra



Per Week (196)


74%





30 Years From Now


report.






report.

2,000,000

2,500,000

Asset Loan Equity


Loan Balance -

Equity 1,960,065


(From Last Year)

-

500,000

1,000,000

1,500,000

2,000,000

2,500,000

Asset Loan Equity


-

500,000

0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30

Years From Now

50,000



Rent 56,598

Interest Payments -


Cash Profit / Loss** 48,646 (20,000)

(10,000)

-

10,000

20,000

30,000

40,000

50,000

60,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29






(30,000)

(20,000)

(10,000)

-

10,000

1 3 5 7 9 11 13 15 17 19 21 23 25 27 29

Years From Now

29%Ages - Investor 1 & 2 72 & 69


Total Cost (7,952)

Rent 56,598


54%

29%

Rent

Tax Saving / Extra



Per Week 589


54%

-17%







Jane's Age 40 41 42 43

Rental Income - - 25,480 26,244

Cash Expenses

Interest Payments - - (35,421) (34,898)Interest Payments - - (35,421) (34,898)

Accounting - - (500) (515)


Body Corporate Fees / Strata - - (1,000) (1,030)

Council Rates - - (1,500) (1,545)


Water Charges & Electricity - - (500) (515)

Borrowing Expenses* - - (80) (82)Borrowing Expenses* - - (80) (82)

Insurance - - - -

Land Tax - - - -


Total Cash Expenses - - (39,001) (38,586)

Net Cash Profit / Loss - - (13,521) (12,341)

Principal Payments - - (6,730) (7,253)

Net Cash Profit / Loss Incl. Principal - - (20,251) (19,594)


Borrowing Costs** - - (50) (50)

Depreciation (Construction) - - (6,250) (6,250)Depreciation (Construction) - - (6,250) (6,250)

Depreciation (Fit-Out) - - (1,000) (1,000)

Add Back Principal (Non-Deductible) - - 6,730 7,253

Total Taxable Expenses - - (46,301) (45,886)

- - - -

Net Taxable Profit / Loss - - (20,821) (19,641)




years.




Years From Now

George's Age

5 6 7 8


Jane's Age

Rental Income

Cash Expenses

Interest Payments

47 48 49 50

44 45 46 47

27,032 27,843 28,678 29,538


Accounting

Agent's Commission


Council Rates



Borrowing Expenses*

(34,335) (33,729) (33,075) (32,370)

(530) (546) (563) (580)

- - - -

(1,061) (1,093) (1,126) (1,159)

(1,591) (1,639) (1,688) (1,739)

- - - -

(530) (546) (563) (580)


Insurance

Land Tax


Total Cash Expenses


(85) (87) (90) (93)

- - - -

- - - -

- - - -

(38,133) (37,640) (37,104) (36,520)

(11,102) (9,798) (8,426) (6,982)

Principal Payments



Borrowing Costs**


(7,816) (8,422) (9,076) (9,781)

(18,917) (18,220) (17,502) (16,763)

(50) (50) (50) -





(6,250) (6,250) (6,250) (6,250)

(1,000) (1,000) (1,000) (1,000)

7,816 8,422 9,076 9,781

(45,433) (44,940) (44,404) (43,770)

- - - -





years.




Years From Now

George's Age

9 10 11 12


Jane's Age

Rental Income

Cash Expenses

Interest Payments

51 52 53 54

48 49 50 51

30,424 31,337 32,277 33,246


Accounting

Agent's Commission


Council Rates



Borrowing Expenses*

(31,611) (30,792) (29,911) (28,960)

(597) (615) (633) (652)

- - - -

(1,194) (1,230) (1,267) (1,305)

(1,791) (1,845) (1,900) (1,957)

- - - -

(597) (615) (633) (652)


Insurance

Land Tax


Total Cash Expenses


(96) (98) (101) (104)

- - - -

- - - -

- - - -

(35,885) (35,195) (34,446) (33,632)

(5,461) (3,858) (2,168) (386)

Principal Payments



Borrowing Costs**


(10,540) (11,358) (12,240) (13,190)

(16,001) (15,217) (14,409) (13,576)

- - - -





(6,250) (6,250) (6,250) (6,250)

(1,000) (1,000) (1,000) (1,000)

10,540 11,358 12,240 13,190

(43,135) (42,445) (41,696) (40,882)

- - - -





years.




Years From Now

George's Age

13 14 15 16


Jane's Age

Rental Income

Cash Expenses

Interest Payments

55 56 57 58

52 53 54 55

34,243 35,270 36,328 37,418


Accounting

Agent's Commission


Council Rates



Borrowing Expenses*

(27,936) (26,833) (25,644) (24,362)

(672) (692) (713) (734)

- - - -

(1,344) (1,384) (1,426) (1,469)

(2,016) (2,076) (2,139) (2,203)

- - - -

(672) (692) (713) (734)


Insurance

Land Tax


Total Cash Expenses


(108) (111) (114) (117)

- - - -

- - - -

- - - -

(32,748) (31,789) (30,748) (29,620)

1,495 3,482 5,580 7,799

Principal Payments



Borrowing Costs**


(14,214) (15,318) (16,507) (17,789)

(12,719) (11,836) (10,927) (9,990)

- - - -





(6,250) (6,250) (6,250) (6,250)

(1,000) (1,000) (1,000) (1,000)

14,214 15,318 16,507 17,789

(39,998) (39,039) (37,998) (36,870)

- - - -

Net Taxable Profit / Loss (5,755) (3,768) (1,670) 549




years.




Years From Now

George's Age

17 18 19 20


Jane's Age

Rental Income

Cash Expenses

Interest Payments

59 60 61 62

56 57 58 59

38,541 39,697 40,888 42,115


Accounting

Agent's Commission


Council Rates



Borrowing Expenses*

(22,981) (21,493) (19,889) (18,161)

(756) (779) (802) (826)

- - - -

(1,513) (1,558) (1,605) (1,653)

(2,269) (2,337) (2,407) (2,479)

- - - -

(756) (779) (802) (826)


Insurance

Land Tax


Total Cash Expenses


(121) (125) (128) (132)

- - - -

- - - -

- - - -

(28,396) (27,071) (25,634) (24,078)

10,144 12,626 15,254 18,036

Principal Payments



Borrowing Costs**


(19,170) (20,658) (22,261) (23,990)

(9,025) (8,031) (7,008) (5,954)

- - - -





(6,250) (6,250) (6,250) (6,250)

(1,000) (1,000) (1,000) (1,000)

19,170 20,658 22,261 23,990

(35,646) (34,321) (32,884) (31,328)

- - - -





years.




Years From Now

George's Age

21 22 23 24


Jane's Age

Rental Income

Cash Expenses

Interest Payments

63 64 65 66

60 61 62 63

43,378 44,679 46,020 47,400


Accounting

Agent's Commission


Council Rates



Borrowing Expenses*

(16,299) (14,292) (12,129) (9,798)

(851) (877) (903) (930)

- - - -

(1,702) (1,754) (1,806) (1,860)

(2,554) (2,630) (2,709) (2,790)

- - - -

(851) (877) (903) (930)


Insurance

Land Tax


Total Cash Expenses


(136) (140) (144) (149)

- - - -

- - - -

- - - -

(22,394) (20,569) (18,595) (16,458)

20,984 24,110 27,425 30,942

Principal Payments



Borrowing Costs**


(25,852) (27,859) (30,022) (32,352)

(4,868) (3,749) (2,597) (1,410)

- - - -





(6,250) (6,250) (6,250) (6,250)

(1,000) (1,000) (1,000) (1,000)

25,852 27,859 30,022 32,352

(29,644) (27,819) (25,845) (23,708)

- - - -





years.




Years From Now

George's Age

25 26 27 28


Jane's Age

Rental Income

Cash Expenses

Interest Payments

67 68 69 70

64 65 66 67

48,822 50,287 51,796 53,349

(7,287) (4,580) (1,664) - Interest Payments

Accounting

Agent's Commission


Council Rates



Borrowing Expenses*

(7,287) (4,580) (1,664) -

(958) (987) (1,016) (1,047)

- - - -

(1,916) (1,974) (2,033) (2,094)

(2,874) (2,960) (3,049) (3,141)

- - - -

(958) (987) (1,016) (1,047)


Insurance

Land Tax


Total Cash Expenses


(153) (158) (163) (168)

- - - -

- - - -

- - - -

(14,147) (11,646) (8,941) (7,496)

34,676 38,641 42,855 45,854

Principal Payments



Borrowing Costs**


(34,864) (37,571) (40,487) -

(188) 1,071 2,367 45,854

- - - -





(6,250) (6,250) (6,250) (6,250)

(1,000) (1,000) (1,000) (1,000)

34,864 37,571 40,487 -

(21,397) (18,896) (16,191) (14,746)

- - - -





years.




Years From Now

George's Age

29 30

71 72George's Age

Jane's Age

Rental Income

Cash Expenses

Interest Payments

71 72

68 69

54,950 56,598


Accounting

Agent's Commission


Council Rates



Borrowing Expenses*

- -

(1,078) (1,111)

- -

(2,157) (2,221)

(3,235) (3,332)

- -

(1,078) (1,111)


Insurance

Land Tax


Total Cash Expenses


(173) (178)

- -

- -

- -

(7,721) (7,952)

47,229 48,646

Principal Payments



Borrowing Costs**


- -

47,229 48,646

- -





(6,250) (6,250)

(1,000) (1,000)

- -

(14,971) (15,202)

- -





years.


Multiple Properties How much will my investment be worth?: Proposed Property 2

How much will my investment be worth?Proposed Property 2


0 - - -


0 - - -

1 - - -

2 500,000 475,320 24,680

3 525,000 468,590 56,410

4 551,250 461,337 89,913

5 578,813 453,522 125,291

6 607,753 445,099 162,654 6 607,753 445,099 162,654

7 638,141 436,023 202,118

8 670,048 426,242 243,805

9 703,550 415,702 287,848

10 738,728 404,344 334,384

11 775,664 392,104 383,560

12 814,447 378,913 435,534

13 855,170 364,699 490,471 13 855,170 364,699 490,471

14 897,928 349,381 548,547

15 942,825 332,874 609,951

16 989,966 315,085 674,880

17 1,039,464 295,916 743,548

18 1,091,437 275,258 816,179

19 1,146,009 252,997 893,013

20 1,203,310 229,007 974,303 20 1,203,310 229,007 974,303

21 1,263,475 203,155 1,060,320

22 1,326,649 175,296 1,151,353

23 1,392,981 145,274 1,247,707

24 1,462,630 112,922 1,349,708

25 1,535,762 78,058 1,457,704

26 1,612,550 40,487 1,572,063

27 1,693,177 - 1,693,177

26 1,612,550 40,487 1,572,063

27 1,693,177 - 1,693,177

28 1,777,836 - 1,777,836

29 1,866,728 - 1,866,728

30 1,960,065 - 1,960,065

2,500,000

Value Loan Equity

1,000,000

1,500,000

2,000,000

2,500,000

Value Loan Equity

-

500,000

1,000,000

0 2 4 6 8 10 12 14 16 18 20 22 24 26 28 30

Years From Now




1 Year From Now



George Jane Total







Bonus 10,000 5,000 15,000




Taxable Income 96,346 77,150 173,496

Tax Payable (22,153) (15,538) (37,691)


Taxable Profit/Loss On Proposed Property 2 - - -



Tax Saving (+) / Extra Tax (-) - - -




Other Proposed Property 2 Cash Expenses - - -

Total Cost - - -


Rent - - -

Tax Saving (+) / Extra Tax (-) - - - Tax Saving (+) / Extra Tax (-) - - -

Out Of Pocket Profit (+) / Cost (-) - - -

0%0%0%

Rent








5 Years From Now



George Jane Total







Bonus 11,255 5,628 16,883




Taxable Income 118,298 90,877 209,175

Tax Payable (29,946) (20,211) (50,157)










Total Cost (45,949) (3,829) (884)


Rent 27,032 2,253 520


Out Of Pocket Profit (+) / Cost (-) (12,385) (1,032) (238)

59%

14%

-27%

Rent



14%






10 Years From Now



George Jane Total







Bonus 13,048 6,524 19,572


Taxable Profit / Loss On Other Properties 4,725 (2,482) 2,244


Taxable Income 152,438 112,612 265,050

Tax Payable (42,066) (27,927) (69,993)










Total Cost (46,554) (3,879) (895)


Rent 31,337 2,611 603



67%

9%

-24%

Rent



9%Tax Saving (+) / Extra Tax (-)





20 Years From Now



George Jane Total







Bonus 17,535 8,768 26,303




Taxable Income 246,641 172,121 418,762

Tax Payable (80,839) (49,053) (129,892)










Total Cost (48,068) (4,006) (924)


Rent 42,115 3,510 810



74%

-8%

-18%

Rent



-8%Tax Saving (+) / Extra Tax (-)





30 Years From Now



George Jane Total







Bonus 23,566 11,783 35,348




Taxable Income 374,586 270,559 645,145

Tax Payable (136,495) (91,243) (227,738)










Total Cost (7,952) (663) (153)


Rent 56,598 4,717 1,088



54%

-17%

29%

Rent



54%

-17%




Multiple Properties Assumptions

Assumptions

Assumptions

How does the timing work?

The projection period begins at Year 0. This symbolises today, or now.

Example: purchase a property in year 0.Example: purchase a property in year 0.

This is saying purchase the property now. The property value will come in now, you will start receiving any

rent now, and you will have to start making any repayments now.

Any deposit required will be taken from your savings account or line of credit that you have entered as your

existing balance.

Year 1 represents the end of the 1st year. Year 2 represents the end of the 2nd year etc.

Example: purchase shares at the end of year 3 for $10,000 with 5% p.a. capital growth

At the end of year 3 the value of the shares will be $10,000. At the end of year 4 the value will have grown

by 5% ($500) so you will see the year 4 value of $10,500.

Example: purchase a property in 3 years.

The property will be purchased at the very end of the 3rd year. Because it was not held from the very start

of year 3. no cash flows will occur in year 3.of year 3. no cash flows will occur in year 3.

In year 4 you will a full years cash flows will occur; a full year of rent will be received, a full years worth of

expenses will be paid etc. because the property was owned from the very beginning of year 4.

Cash Flows

Cash Flows are separated into 2 sections:

1. Cash from salary and investments (Ongoing Cash in and Cash out relating to your investments & job)

2. Cash from financing (Money coming in or out from drawing down loans, repaying loans, purchasing assets

or selling assets)

These 2 sections are added together to give the total cash flow. If the total cash flow is positive it is paid to

your savings account, home loan, or line of credit depending on what which you have chosen in the personal

details section. If the total cash flow is negative the amount will instead be taken from one of the above details section. If the total cash flow is negative the amount will instead be taken from one of the above

accounts.

How is the money allocated?

You can choose where to put the money that is left over in the personal details section. You can either add it

to your savings account or pay down your home loan. Note that if you choose the home loan option once

your home loan reaches 0 any surpluses will automatically be added to your savings account.your home loan reaches 0 any surpluses will automatically be added to your savings account.

What if my cash flow goes negative?

The calculator will first drawdown any savings that you have. When your savings reach 0 a line of credit will

be drawn from. The line of credit can be seen as drawing on any equity you may have such as your home,

your investments, or drawing from a credit card.

Interest will be charged at the same interest rate chosen for savings.

If you begin to see increasingly large amounts in the line of credit account it is a good indication that you

can't afford the investment strategy.

Super

Compulsory Contributions



Assumptions

9% of your salary and bonuses is added to super. Using a percentage ensures any changes to your salary or

bonuses also work into your super.

Example: you enter a salary of $95,000 and a bonus of $5,000 to make a total of $100,000. $9,000 will be

contributed to super and you will be paid the full $100,000 making a total of $109,000 in super, salary, and

bonuses.

Contributions Caps

For people older than or equal to 50 there is a 50,000 cap for financial years 2010/2011 and 2011/2012 (2

more financial years)

this 50,000 is static.

For people under 50 there is a 25,000 cap that increases with the inflation level chosen

Bring-forwards are not capable for people =>65

Income Tax

Where possible the tax calculations performed in the calculators have been checked and verified correct

with the ATO.

Income Losses are carried forward and are used to offset future tax payable on income only. They cannot be

used to offset future capital losses.used to offset future capital losses.

Tax concessions and offsets such as LITO, Family Tax Benefits etc. are not included. The only tax offset that is

included is franking credits.

The Money Calculator allows you to choose the tax rates used in the personal details section. These rates

will be used throughout the calculations. Tax rates cannot be varied into future years as the ATO does not

release tax rates for more than 2 years into the future.

You can enter custom tax rates from the personal details section.You can enter custom tax rates from the personal details section.

The Medicare Levy is calculated as 1.5% of taxable income. There is no Medicare Levy reduction for low

income earners applied.

Depreciation

1. Construction - aka Building & Foundations

The following formula is used:

Deduction = Construction Cost * Deduction RateDeduction = Construction Cost * Deduction Rate

Note that depreciation for construction depends on the year of construction chosen.

If purchased before 1979 there is no period over which a deduction can be made.

If purchased between 1979 and 1983, or after 1986 there is a 40 year period

over which a deduction can be made at rate of 2.5% each year.

If purchased between 1984 and 1986 there is a 25 year period over which a deduction can be made at a rate

of 4% each year.of 4% each year.

The construction depreciation is counted as 'capital works' by the ATO and so reduces the cost base for the

property for capital gains tax calculations.

This follows the ATO guidelines.

2. Depreciation for Fit-Out

These items relate to fixtures and fittings such as fridges, furniture, and TV.

The 'prime cost' method is used as specified by the ATO.The 'prime cost' method is used as specified by the ATO.

The formula used to calculate the deduction is:

Deduction = Fit-out Cost * (100% / Asset's Effective Life)

Where the fit-out cost is the value chosen in the properties page.

The Asset's Effective Life is 30 years from the date of property purchase for proposed properties and from

today for existing properties (for simplicity purposes).

What happens to the fit-out when I sell the property?



Assumptions

The fit-out is no longer used for investment purposes once the property is sold and so is no longer

deductible.

It is assumed that the Fit-Out will also be sold when the property is sold either with the property or

separately. The Fit-Out value comprises part of the property value.

There are no tax effects on what happens to the fit-out because the fit-out depreciation claimed every year There are no tax effects on what happens to the fit-out because the fit-out depreciation claimed every year

means that no tax will be payable or refundable on the sale.

Fit-Out does not affect capital gains.

Franking Credits & Dividends

Franking Credits are calculated according to the following formula:

Div * [Tc / (1 - Tc)] * fp

Tc = company tax rate. fp = franking percentage, Div = Cash Dividend ReceivedTc = company tax rate. fp = franking percentage, Div = Cash Dividend Received

The cash dividend is treated as a cash flow if not re-invested. If re-invested the value is used to purchase

more shares / units at the share / unit price at that time.

The grossed-up dividend amount is what is used to determine your taxable income from shares / managed

funds.

Franking Credits are added to the cash dividend figure to give the grossed-up dividend amount.Franking Credits are added to the cash dividend figure to give the grossed-up dividend amount.

They are then used to offset your tax payable.

If the franking credit offset is greater than your tax payable you will receive a refund equal to the difference.

Capital Gains Tax

You can choose the year a property was purchased for any existing properties. If the property was You can choose the year a property was purchased for any existing properties. If the property was

purchased before 1985 no capital gains tax is payable. If the property was purchased before 1999 the capital

gain is calculated using both the indexation method and the discount method. The lessor of both is used.

For any purchase after 1999 the discount method is used since the indexation method is not allowed.

The cost base adds selling costs and purchase costs and subtracts construction depreciation claimed in The cost base adds selling costs and purchase costs and subtracts construction depreciation claimed in

previous years.

Capital Losses are carried forward and are used to offset future capital gains tax payable only. Capital losses

cannot be used to offset future tax payable on income.

The calculations used have been fully confirmed with the ATO.


The average price paid method is used. Shares / units are purchased at a price that increases each year at

the chosen capital growth rate.

Inflation

The rate of inflation can be chosen.

The inflation rate will not change any investment values or income from investments. Investment value The inflation rate will not change any investment values or income from investments. Investment value

growth rates and income rates are chosen separately.

The following items increase automatically with the chosen rate of inflation each year:

Ongoing property expenses including: Accounting, Body Corporate Fees, Council Rates, Repairs and

Maintenance, Electricity & Water Charges, Borrowing Expenses, Insurance, Land Tax, Other Ongoing

Deductible Expenses.

Lifestyle Expenses



Assumptions

Salaries

Bonuses

Ongoing Super Fund Fees ($ p.a.)

Ongoing Non-concessional Contributions

You have the option as to whether the following items automatically increase with the chosen rate of

inflation:inflation:

Other ongoing expenses

Reports

There are different sections available in the reports page depending on the calculator you are using. For the

Money Calculator you will see the following reporting sections;

1. Entire situation

2. Individual Investments2. Individual Investments

3. Super

Your entire situation will give the full overview of all your investments combined with your salary, bonuses,

living expenses etc. It shows you everything you have put into the calculator. Only totals for each

investment is shown.

The individual investments section is for viewing each investment in-depth. You can see how all the totals The individual investments section is for viewing each investment in-depth. You can see how all the totals

for the entire situation reports are calculated. Click on a heading to be taken to that report then simply

choose the investment you would like to see in the drop down list under which 'investment would you like

to see?'

Entire Situation Reports

Cash from salary and investments

These are the ongoing cash in and ongoing cash out income and expenses relating to your investments and These are the ongoing cash in and ongoing cash out income and expenses relating to your investments and

job.

The net cash flow from salary & Investments figure here will give you the best estimate of your regular cash

left over each year from all your investments and salary.

Note that the net cash flow from salary and investments does not include lifestyle expenses and other one-Note that the net cash flow from salary and investments does not include lifestyle expenses and other one-

time expenses in order to give a full idea of how much you have left to spend on your lifestyle.

The Total Cash Surplus (+) or Cash Deficit (-) includes the lifestyle expenses and one-time expenses as well as

2 more amounts:

1. Net Loan Drawdowns (+) / Repayments (-)

Any loans you have created or repaid (includes principal payments on your home or investments

2. Sale of Assets (+) / Purchases of Assets (-)

Money coming in from selling an investment or money being used to purchase an asset These 2 items come

from the Cash Flow From Buying, Selling, & Loans Section < a href>.

The Where does the money go? Section shows where the Total Cash Surplus / Deficit will be paid to or taken

from. If the Total Cash Surplus / Deficit is positive it represents a cash surplus and will be paid to one of the from. If the Total Cash Surplus / Deficit is positive it represents a cash surplus and will be paid to one of the

accounts listed. If it is negative it is a deficit and must be taken from one of the accounts.

Cash flow from Buying, Selling & Loans

These items relate to money coming in and going out from any purchases, sales, or principal repayments. A

full breakdown is below



Assumptions

Example: you purchase a $500,000 investment property using $400,000 borrowed from the bank and

$100,000 of your own money.

You receive the $400,000 from the bank (+).

You pay out $500,000 for the investment property (-)

The -$100,000 shortfall will appear as the Net Cash Flow From Buying, Selling & Loans.

Where does this figure go?

The net cash flow from financing feeds is combined with the cash flow from salary and investments to

produce the total cash flow figure.

If the total cash flow is positive and you have no line of credit drawn down it is paid to either your savings

account or home loan depending on what which you have chosen in the personal details section. If you have

a line of credit drawn down the cash will first be used to pay down the line of credit. If the total cash flow is a line of credit drawn down the cash will first be used to pay down the line of credit. If the total cash flow is

negative the amount will instead be taken from one of the above accounts.

Using the example above:

You have $80,000 left over from your salary and expenses and $20,000 in the bank from last year. The

$100,000 shortfall will be covered by the $80,000 left over and $20,000 will be taken from your bank

account.

Assets, Loans, Net Worth

Year 0 shows today or now. Year 1 shows balances at the end of year 1. For a break-down of individual

investment loan repayments or the equity in individual loans please see the Individual investments reports

or Cash flow from financing report.

Taxes

To see a full breakdown of how the Net Taxable Profit or Loss is calculated for each investment see the To see a full breakdown of how the Net Taxable Profit or Loss is calculated for each investment see the

Profit / Loss page in the Individual Investments section.

For all the assumptions relating to tax click here.

Individual Investments Reports

Profit / Loss

Total Taxable Expenses and Total Cash Expenses will differ by the amount of the non-cash elements.

Borrowing Costs and Depreciation are tax deductible but are not actual ongoing cash payments. Borrowing

costs are paid at the outset of the loan.

If you want to see a graph of cash or tax profit and loss see the Investment Summary Report.

How much your investment will cost youHow much your investment will cost you

Tax savings from losses in previous years are not included in this page.


Multiple Properties Disclaimer

Disclaimer

Disclaimer

This report has been prepared as is by Wealth Planners (“The Company”).

Disclaimer and Limitation of Liability

The Content on this Report is derived from sources believed to be accurate and current. However, neither The Content on this Report is derived from sources believed to be accurate and current. However, neither

The Company nor The Company directors, officers, agents, employees or contractors ("The Company

Personnel"):

(a) give any representation or warranty as to the reliability, accuracy or completeness of the Content.

Neither The Company nor The Company Personnel shall be liable in any way for any loss or damage,

howsoever arising (whether in negligence or otherwise) out of or in connection with the Content and/or

any omissions from the Content, except where liability is made non-excludable by legislation.

In the case of goods or services supplied or offered by The Company or The Company Personnel, liability

for breach of any implied warranty or condition which cannot be excluded is limited at The Company's for breach of any implied warranty or condition which cannot be excluded is limited at The Company's

option to either:

(a) the supply of the goods (or equivalent goods) or services again; or (b) the payment of the cost of having

the goods (or equivalent goods) or services supplied again.

Indemnity

You must indemnify and hold harmless The Company and The Company Personnel and keep them You must indemnify and hold harmless The Company and The Company Personnel and keep them

indemnified, against all loss, actions, proceedings, costs, expenses (including legal fees), claims and

damages arising from: (a) any breach by you of the Disclaimer Conditions; or (b) reliance by you on any

information obtained through the Content; or (c) your Access to the report; or (d) reliance upon or use of

any Content by any person accessing Content in the report.

Not Investment AdviceNot Investment Advice

The Content on in this Report provides general information only. It is not intended as investment advice

and must not be relied upon as such. You should obtain professional investment advice tailored to your

specific circumstances prior to making any investment decisions.

Some Content in the Report provides general information about certain financial products. The Report Some Content in the Report provides general information about certain financial products. The Report

does not provide, and must not be construed as providing, recommendations in relation to any financial

products. Prior to any action or investment you should seek independent professional advice.

Governing Law

These General Conditions are governed by, construed and enforced in accordance with the laws of New

South Wales, Australia. Disputes arising from these General Conditions are subject to the exclusive

jurisdiction of the courts in New South Wales, Australia.jurisdiction of the courts in New South Wales, Australia.


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