{"title":"Investment Tools","description":"Investment Analysis Tools","products":[{"product_id":"investment-property-calculator","title":"Investment Property Analysis Calculator","description":"\u003cp\u003e\u003cspan data-mce-fragment=\"1\"\u003eThe Investment Property Analysis Calculator provides a comprehensive and objective assessment of the potential profitability of a property investment. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan data-mce-fragment=\"1\"\u003eBy inputting various financial data such as purchase price, rental income, expenses, and loan terms, the calculator can generate accurate estimates of key metrics like cash flow, return on investment (ROI), and capitalization rate. These insights enable investors to make informed decisions, identifying lucrative opportunities while avoiding potential pitfalls. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan data-mce-fragment=\"1\"\u003eIt allows users to quickly compare multiple properties, test different scenarios, and evaluate the impact of various factors on their investment strategy, empowering investors with the knowledge to make informed decisions to maximise returns on their investments.  \u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003eNOTE: This calculator considers the Australian Tax \u0026amp; Investment Rules and may not be an appropriate tool for properties outside of Australia.\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003eIt includes analysis of:\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003eNon Cash \u0026amp; Cash Deductions\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003eCapital Gains Implications\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003ePre \u0026amp; Post Tax Cashflow\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003eEstimated Sales Proceeds\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003eComparison of current vs new tax positions\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003eLoan to Value ratios\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003eImpacts of interest rate rises or changes to loan terms\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003eIt also includes advanced cashflow analysis tools such as:\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003eNPV of cashflow over time\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003eInternal Rate of Return at different periods\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003eGross \/ Net Yields\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003eCapitalisation Rates\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003eIt includes 4 detailed charts:\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003e1. Pre Tax Cashflow vs After Tax Cashflow\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003e2. Loan to Value Chart of term of loan\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003e3. Cumulative Tax Liabilities - comparison current vs new tax positions\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003e4. Visual representation of who is paying for the investment costs over time\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003ePurchase will generate an instant file to download and contains a link to our instructional video.\u003c\/span\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003eThe outputs are easy to read, professionally designed and quick to use.\u003c\/span\u003e\u003c\/p\u003e","brand":"Big Sums","offers":[{"title":"Default Title","offer_id":45564664414501,"sku":"","price":249.95,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0789\/8595\/3573\/files\/2_a23f01e9-db41-4e89-abf9-875d8495738b.png?v=1775888333"},{"product_id":"loan-repayment-calculator","title":"Loan Repayment Calculator","description":"Our debt repayment calculator contains 3 calculators that help to determine the optimal strategy that provides the greatest benefit. Do you want to know how to pay your loan of quicker? Or which strategy will have the best results? How to save the most interest or what offset strategy to use?\u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003eCompare the outcomes of different terms, interest rates and repayments. \u003cbr data-mce-fragment=\"1\"\u003eHow much will you save with regular additional repayments?\u003cbr data-mce-fragment=\"1\"\u003eWhat is the benefit of an offset account?\u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003eThe spreadsheet contains 3 different calculators. \u003cbr data-mce-fragment=\"1\"\u003e1. A comparison of loan structures\u003cbr data-mce-fragment=\"1\"\u003e2. The savings generated from additional repayments\u003cbr data-mce-fragment=\"1\"\u003e3. An offset strategy. \u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003ePurchase will generate an instant file to download.  \u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003eThe outputs are easy to read, professionally designed and quick to use.","brand":"Big Sums","offers":[{"title":"Default Title","offer_id":45579488919845,"sku":"","price":49.95,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0789\/8595\/3573\/files\/loanrepayment.png?v=1775900283"},{"product_id":"first-home-super-saver","title":"First Home Super Saver","description":"","brand":"Big Sums","offers":[{"title":"Default Title","offer_id":45652013154597,"sku":"","price":0.0,"currency_code":"AUD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0789\/8595\/3573\/files\/ComingSoon_5891cf4e-45df-43bf-8720-f8cba12e3cfc.png?v=1705437403"},{"product_id":"novated-lease-calculator","title":"Novated Lease Calculator","description":"","brand":"Big Sums","offers":[{"title":"Default Title","offer_id":45652052181285,"sku":"","price":0.0,"currency_code":"AUD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0789\/8595\/3573\/files\/ComingSoon_53d0e9eb-b6a2-4e90-93f2-99c17993ec51.png?v=1705437478"},{"product_id":"recontribution-strategy-calculator","title":"Recontribution Strategy Calculator","description":"\u003cp data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003eOur recontribution strategy calculator easily calculates the tax benefits from changing taxable components of a super balance to non-tax components.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003eThe calculator provides strategy checks such as tax implications if under 60 and remaining non concessional contribution cap limits for higher total super balances.  \u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003ePurchase will generate an instant file to download and contains a link to our instructional video.\u003cbr\u003e\u003c\/p\u003e\n\u003cp data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cspan data-mce-fragment=\"1\"\u003eThe outputs are easy to read, professionally designed and quick to use.\u003c\/span\u003e\u003c\/p\u003e","brand":"Big Sums","offers":[{"title":"Default Title","offer_id":45652088946981,"sku":"","price":79.95,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0789\/8595\/3573\/files\/3_508daf93-5bd5-462f-9f83-83b31d36142e.png?v=1775652437"},{"product_id":"capital-gains-estimator","title":"Capital Gains Tax Calculator","description":"\u003cp\u003e\u003cspan data-mce-fragment=\"1\"\u003eOur Capital Gains Tax Calculator automates complex calculations, accurately, eliminating the risk of manual errors and saving valuable time. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan data-mce-fragment=\"1\"\u003eIt includes the following calculators:\u003c\/span\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cspan data-mce-fragment=\"1\"\u003eInvestment property (i\u003c\/span\u003endex vs discount comparison)\u003c\/li\u003e\n\u003cli\u003e\u003cspan data-mce-fragment=\"1\"\u003eDetailed share portfolio \u003c\/span\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cspan data-mce-fragment=\"1\"\u003eSimple CGT calculator\u003c\/span\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cspan data-mce-fragment=\"1\"\u003eSmall business CGT concessions\u003c\/span\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cspan data-mce-fragment=\"1\"\u003eBy providing real-time insights into tax implications, the calculator allows investors to make informed decisions on when to buy or sell assets, ultimately minimizing tax liabilities and maximizing returns. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eOur calculators are professional excel tools, designed to be used by investors\/professionals with experience and understanding of Australian Tax Rules.  \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003ePurchase will generate an instant file to download and contains a link to our instructional video.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e \u003c\/p\u003e","brand":"Big Sums","offers":[{"title":"Default Title","offer_id":45652118077733,"sku":"","price":79.95,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0789\/8595\/3573\/files\/3_2b12e0e9-1091-415a-bac8-5dfe3debaf78.png?v=1776921023"},{"product_id":"debt-recycling-calculator","title":"Debt Recycling Calculator","description":"","brand":"Big Sums","offers":[{"title":"Default Title","offer_id":45652133052709,"sku":"","price":0.0,"currency_code":"AUD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0789\/8595\/3573\/files\/ComingSoon.png?v=1689854293"},{"product_id":"investment-growth-estimator","title":"Investment Growth Estimator","description":"\u003cp\u003eFranking Credit Calculator\u003c\/p\u003e\n\u003cp\u003eHow to set a target?\u003c\/p\u003e\n\u003cp\u003e \u003c\/p\u003e","brand":"Big Sums","offers":[{"title":"Default Title","offer_id":45652558446885,"sku":"","price":0.0,"currency_code":"AUD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0789\/8595\/3573\/files\/ComingSoon_cf2d18c3-cc1b-43a5-8efa-96329c427ca5.png?v=1689854322"},{"product_id":"budgeting-cashflow-projection","title":"Steps to Wealth 1 - Foundations","description":"\u003cp\u003eCreate a more fulfilled life by building a cashflow structure that not only allows you to build wealth for the future but enjoy life now. \u003c\/p\u003e\n\u003cp\u003ePurpose built by a Financial Adviser to help clients set the foundations for their journey to financial security. \u003c\/p\u003e\n\u003cp\u003eThe Steps to Wealth program is a roadmap for wealth that starts by teaching you good money habits.  This is the basis for any financial plan, as having good money habits gives you freedom and choice. It builds surplus income that can be allocated according to your goals and what is important to you.  Our unique calculator also allows you to see the impact of good money habits over 10 years and what big impacts can be made by making small changes now.   \u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eIncluded in this calculator:\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eDiscover what is important to you by defining your specific values and investment goals.  \u003c\/p\u003e\n\u003cp\u003eCreate your ultimate cashflow strategy in line with your personal goals.\u003c\/p\u003e\n\u003cp\u003eWork out your budget and use these figures to analyse your target vs actual spending habits.\u003c\/p\u003e\n\u003cp\u003eAutomate your cashflow strategy through the use of the bucketing strategy.\u003c\/p\u003e\n\u003cp\u003eLearn how to snowball your debts quickly.\u003c\/p\u003e\n\u003cp\u003eSee the impact the use of an offset account can make on reducing your home loan.\u003c\/p\u003e\n\u003cp\u003eUltimately visualize the impact of good money management with the following tools:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eDebt snowball projections\u003c\/li\u003e\n\u003cli\u003eCashflow projections\u003c\/li\u003e\n\u003cli\u003eInvestment projections\u003c\/li\u003e\n\u003cli\u003eHome loan offset calculator strategy\u003c\/li\u003e\n\u003cli\u003eSuper projections\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e \u003c\/p\u003e\n\u003cp\u003e \u003c\/p\u003e","brand":"Big Sums","offers":[{"title":"Default Title","offer_id":47259159298341,"sku":"","price":149.95,"currency_code":"AUD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0789\/8595\/3573\/files\/StepstoWealth-Step1_3a6e1f58-0b24-4589-8b37-38ed333126f0.png?v=1775989641"},{"product_id":"the-adviser-bundle","title":"The Adviser Bundle","description":"\u003cp\u003eBundle the key advice calculators.  Included in this bundle is:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eAged Care Calculator\u003c\/li\u003e\n\u003cli\u003eCentrelink Aged Pension\u003c\/li\u003e\n\u003cli\u003eCapital Gains Calculator\u003c\/li\u003e\n\u003cli\u003eDiv 293 Estimator\u003c\/li\u003e\n\u003cli\u003eLoan Repayment Calculator\u003c\/li\u003e\n\u003cli\u003eRecontribution Strategy\u003c\/li\u003e\n\u003cli\u003eTransfer Balance Cap\u003c\/li\u003e\n\u003cli\u003eCashflow \u0026amp; Tax\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eBundle and save our most popular Adviser calculators. \u003c\/p\u003e\n\u003cp\u003eYou will receive updated Aged Care, Home Care and Centrelink Age Pension calculators for remainder of the financial year with Service Australia updates.  \u003c\/p\u003e","brand":"Big Sums","offers":[{"title":"Default Title","offer_id":47741674946853,"sku":"","price":499.95,"currency_code":"AUD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0789\/8595\/3573\/files\/listingpage_6bbf3eed-b07b-4995-9d75-db2531182829.png?v=1775900149"},{"product_id":"cashflow-tax-calculator-fy24-25","title":"Cashflow \u0026 Tax Calculator - FY26","description":"\u003cp\u003eOur Cashflow and Tax calculator estimates tax liabilities and net cashflow position.\u003c\/p\u003e\n\u003cp\u003eIt allows a comparison of current scenarios versus the outcome if strategies were changed.  \u003c\/p\u003e\n\u003cp\u003eOur tax calculator includes space for Centrelink Age Pension tax estimates, SAPTO, Medicare Levy and the ML Surcharge, Capital gains, TTR Pensions, Franking Credits, Tax Deductions and Tax Offsets, Super Contributions, Salary Packaging and much more.  It calculates a final average tax rate and net cashflow on a weekly, fortnightly, monthly and annual basis.  \u003c\/p\u003e\n\u003cp\u003eThe calculator includes the following:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eA budget tab for calculating living expenses on a weekly, fortnightly, monthly and annual basis\u003c\/li\u003e\n\u003cli\u003eA current tax calculator, where current tax position and net cashflow can be calculated\u003c\/li\u003e\n\u003cli\u003eA recommended tax calculator tab, to allow a comparison of recommended strategies against current position\u003c\/li\u003e\n\u003cli\u003eA result tab that demonstrates the impact of changes to strategy on net tax position and super contributions\u003c\/li\u003e\n\u003cli\u003eCombined graph that shows, net cashflow changes, net tax changes, net super contribution changes and changes to personal investment amounts.\u003c\/li\u003e\n\u003cli\u003eCashflow table that can be copied into advice documents.  It has an itemised comparison between the current and recommended strategies\u003c\/li\u003e\n\u003cli\u003eReturns calculator estimator, to estimate growth and income returns based upon asset allocation.  \u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e \u003c\/p\u003e\n\u003cp\u003ePurchase will generate an instant file to download and contains a link to our instructional video.\u003cbr\u003e\u003cbr\u003eThe outputs are easy to read, professionally designed and quick to use.\u003c\/p\u003e","brand":"Big Sums","offers":[{"title":"Default Title","offer_id":48964504060197,"sku":null,"price":99.95,"currency_code":"AUD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0789\/8595\/3573\/files\/1_8b68dcc9-51dc-4e72-8f0c-1cb74091ada3.png?v=1775391349"},{"product_id":"steps-to-wealth-2-build-it","title":"Steps to Wealth 2 - Build It","description":"\u003cp\u003eIn Step 1 of our Steps to Wealth program you built the solid foundations and learnt your financial freedom number.  Step 2 of our Steps to Wealth program builds on these foundations by learning about various investment strategies and how to best combine them to build real financial freedom that can help you achieve your goals. \u003c\/p\u003e\n\u003cp\u003eYou can play around with the different strategies and learn ways to combine multiple strategies to generate passive income that will fund your financial freedom.\u003c\/p\u003e","brand":"Big Sums","offers":[{"title":"Default Title","offer_id":52204333662501,"sku":null,"price":149.95,"currency_code":"AUD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0789\/8595\/3573\/files\/StepstoWealth-Step2_2ec056d1-1483-421b-9b53-0ac5c45f8bf4.png?v=1776075106"}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0789\/8595\/3573\/collections\/Calculator.jpg?v=1690109607","url":"https:\/\/www.thesumlab.com.au\/collections\/investment-tools.oembed","provider":"The Sum Lab","version":"1.0","type":"link"}