Interactive — change any figure and everything recalculates
How to use this: Every highlighted box
is editable. Change a number — purchase price, interest rate, extra repayment, growth rate, salaries, rent — and the cash flow,
equity projection, loan payoff and all tables update instantly. Stamp duty is locked to the Victorian rate and recalculates from the price.
Use Reset all (top right) to return every figure to its starting value. Nothing is saved or sent anywhere; this runs entirely in your browser.
Purchase & Deposit
Deposit amount
Stamp duty (VIC — locked)
Total cash needed (from super)
Super retained after purchase
Loan
Loan amount (80%)
Required repayment (P&I)
With extra repayment
Income & Holding Costs — all figures annual
Every amount in this panel is per year (annual).
Employer contributions in
Rent (5.5% of purchase price)
≈ weekly equivalent
Year 1 — SMSF Cash Flow
Employer super contributions
Net rental income
Total income in
Loan interest
Loan principal
Property expenses
SMSF admin / audit / ASIC
Total out
Net SMSF cash flow — Year 1
10-Year Snapshot
Property value
Loan balance
Equity
Annual rent (yr 10)
Snapshot year and the equity figure use your loan path including any extra repayments. Rent shown at the yield set on the Property Growth tab.
Extra Repayments — The Power of $1,000/month
Loan paid off in
Time saved
Interest saved
Total interest (with extra)
Annual Amortisation Schedule
Year
Opening balance
Repayments
Interest
Principal
Closing balance
Schedule reflects the extra repayment set above. Once the balance reaches zero the loan is repaid.
Growth Assumptions
At a 7.2% growth rate, value doubles roughly every 10 years (the "Rule of 72": 72 ÷ 7.2 ≈ 10). The table below compounds the purchase price forward and tracks equity against your chosen loan path.
Property Value, Loan & Equity Over Time
Year
Kamesh age
Property value
Loan balance
Equity
Market rent (yr)
SMSF Property vs Leaving Funds in Super
Two paths for the same starting balance. Path A leaves it invested in your existing super, growing at the assumed return.
Path B puts it toward the $ SMSF property — Path B's worth is the property value less the loan still owing.
The projection starts at completion in 2027.
Path A — super only (10 yr)
Path B — SMSF property (10 yr)
Difference (10 yr)
Side by Side
Year
Path A — super only
Property value
Loan balance
Path B — equity
Advantage (B − A)
The first row (2027) is completion — the starting position before any growth. Path A grows the starting balance at the assumed super return. Path B's equity = property value − loan balance (your loan path, including extra repayments). Gearing means Path B controls a much larger asset for the same money — amplifying growth, with corresponding risk. This is a simplified comparison, not personal financial advice.
How the SMSF Borrowing Structure Works (LRBA)
Your SMSF
Kamesh & Abhie as members / trustees — established via Just Super
Bare (Holding) Trust
A separate trust that legally holds the property title until the loan is repaid
The Property
610/42 Moray Street, Southbank VIC 3006 — held for the benefit of the SMSF
Limited Recourse Loan
Lender's claim is limited to this property only — your other SMSF assets are protected
Cash Flows In
Employer super contributions (both members)
Rental income from the property
Cash Flows Out
Loan repayments (principal & interest)
Property holding costs & SMSF admin
At Retirement
In pension phase, SMSF income is tax-free
Keep the property for net rental income, or
Sell, clear the loan, and access the equity
Why timing matters: the LRBA ban commences 10 August 2026. A contract fully exchanged before that date is grandfathered permanently — you can still settle in 2027 with the borrowing in place.
Prepared by Troy Gunasekera. Figures are projections based on the assumptions shown and are for discussion only — not personal financial, tax or investment advice.
Stamp duty is Victorian land transfer (general) duty calculated from the purchase price; confirm super guarantee, contribution caps, duty concessions and SMSF settings with your accountant.
· Model recreated from "Bhatt — SMSF Master Numbers Workings 2026". · Build 2026-07-01·9