Debt Recycling

Turn non-deductible debt into wealth.

Debt recycling redirects extra home loan repayments into investments, converting non-deductible debt into tax-deductible investment debt.

Home loan balance

Home loan rate

Years

Extra monthly to recycle

Investment return (p.a.)

Marginal tax rate

Estimate only. Debt recycling involves real risk — investment values can fall, and interest deductibility depends on your circumstances. Always seek personal advice.

Your estimate

Investment portfolio value$520,927

Estimated tax savings$2,664

Net benefit vs. no strategy$283,591