Often super for long horizons due to tax benefits, but it depends on your numbers and when you need the money.

Investment Strategy Comparator

Compare ETF vs super vs offset vs property

See after-tax wealth for each strategy over your horizon

Inputs

Monthly contribution, horizon and assumptions

Monthly contribution ($)

Horizon (years)

Growth rate (% p.a.)

Marginal tax rate (e.g. 0.37 for 37%)

Mortgage rate (%) - for offset

Mortgage balance ($) - for offset

Strategy comparison

After-tax wealth in 20 years

ETF (outside super)$520,411

Super (concessional)$442,788

Offset (mortgage)$396,650

Property deposit$520,927

How to Use This Calculator

1Enter monthly contribution and horizon
2Set growth rate and tax rate
3Add mortgage details for offset comparison
4Compare after-tax wealth across strategies

What does this compare?

ETF: growth with dividend tax drag. Super: concessional contributions (15% tax) then tax-free growth. Offset: interest saved on mortgage. Property: deposit savings with growth.

Key factors

Tax: Super is tax-advantaged; ETF has dividend and CGT drag
Access: Super is locked until preservation age; offset is flexible

Tips

•Use conservative growth assumptions
•Consider your time horizon and access needs

Frequently Asked Questions

Official Sources

Moneysmart investing

ATO rates checked against official sources — verified 3 July 2026

Estimates only. Not financial or tax advice. Full disclaimer for your rights and our limitations of liability.

Rates and thresholds last updated for the 2026–27 financial year.

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