How much could debt recycling save you in tax?

Debt recycling converts your non-deductible home loan into tax-deductible investment debt. Enter a few numbers to see your potential annual tax saving.

How to Use the Debt Recycling Calculator

Step-by-step guide to using the Australian debt recycling calculator

  1. Enter Personal Information — Enter your annual income, tax file number details, and other personal financial information
  2. Enter Property Details — Input your property value, existing mortgage balance, and property-related expenses
  3. Enter Investment Details — Specify your investment portfolio value, existing investment loans, and investment income
  4. Configure Scenario — Choose between debt recycling or equity investment strategy and set your parameters
  5. Review Results — Analyse the calculated tax benefits, cash flow impact, and compare different scenarios
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The total value of investments you could restructure
%

Based on your taxable income bracket (FY 2025-26 rates)