Debt Recycling Calculator

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Reduce, Reuse, Recycle!

Calculate your debt recycling scenario by entering your details below.

Key Metrics

  • 💰 Portfolio Value: $1,101,860
  • 💵 Year 10 Dividends: $22,037
  • 🏦 Year 10 Tax Refund: $17,325
  • Net Positive In: 7 years
  • 📈 CAGR: 9.55%

Yearly Breakdown

Year 1

Debt Recycled105150
Non-Deductible Interest24742
Tax-Deductible Interest5257
Tax Savings3150
Dividends2000
Portfolio Value100000
Net Position-500000

Year 2

Debt Recycled158076
Non-Deductible Interest22096
Tax-Deductible Interest7903
Tax Savings4725
Dividends3351
Portfolio Value167562
Net Position-432438

Year 3

Debt Recycled211173
Non-Deductible Interest19441
Tax-Deductible Interest10558
Tax Savings6300
Dividends4873
Portfolio Value243689
Net Position-356310

Year 4

Debt Recycled264460
Non-Deductible Interest16776
Tax-Deductible Interest13223
Tax Savings7875
Dividends6585
Portfolio Value329252
Net Position-270747

Year 5

Debt Recycled317954
Non-Deductible Interest14102
Tax-Deductible Interest15897
Tax Savings9450
Dividends8504
Portfolio Value425209
Net Position-174790

Year 6

Debt Recycled371677
Non-Deductible Interest11416
Tax-Deductible Interest18583
Tax Savings11025
Dividends10652
Portfolio Value532616
Net Position-67383

Year 7

Debt Recycled425652
Non-Deductible Interest8717
Tax-Deductible Interest21282
Tax Savings12600
Dividends13052
Portfolio Value652637
Net Position52637

Year 8

Debt Recycled479906
Non-Deductible Interest6004
Tax-Deductible Interest23995
Tax Savings14175
Dividends15731
Portfolio Value786553
Net Position186553

Year 9

Debt Recycled534465
Non-Deductible Interest3276
Tax-Deductible Interest26723
Tax Savings15750
Dividends18715
Portfolio Value935775
Net Position335775

Year 10

Debt Recycled589362
Non-Deductible Interest531
Tax-Deductible Interest29468
Tax Savings17325
Dividends22037
Portfolio Value1101860
Net Position501860

Charts

Positions

Cash Flow

Interest Split