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Super vs mortgage

Compare putting spare cash into extra home-loan repayments or salary-sacrificing the same after-tax amount into super.

Super goes further

$316,483 more in super

Salary sacrifice builds more extra wealth by retirement than the same after-tax cash takes off the loan. The tax saving and compounding are doing the work.

Extra repayments

Extra each month
$500
Loan at retirement
$0
Extra equity vs minimum
$88,685
Interest saved
$183,174

Salary sacrifice

Sacrifice each year
$7,059
Extra super at retirement
$405,169
Tax saved this year
$1,059
Loan if you only pay the minimum
$88,685
Minimum monthly repayment
$2,698

General advice only. This estimate does not take into account your personal objectives, financial situation or needs. Consider its appropriateness before acting.

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