CALCULATORS
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Build your nest egg
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Superannuation calculator
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What could your super be worth in future? Compare funds with one of Australia's most powerful free super calculators. Includes salary-sacrifice, co-contributions, investment options, fees and more.
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Managed funds calculator
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What could the future value of your investment be worth? Compare funds. Includes fees, regular contributions, changing funds and different investment options.
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Savings Investment Calculator
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What would your money be worth if you invest it and re-invest all the interest you earn? How much to reach a target amount? How long? What interest rate do you need? Single investment or regular amounts?
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Risk and return
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Compare the return offered by a proposed investment with the relevant market sector: cash, fixed interest, property, shares, balanced assets. How risky could it be?
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Margin loan calculator
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The margin loan calculator shows you how the borrowed amount can affect your potential gains and losses, and assesses your risk of a margin call.
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First home saver account calculator
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This calculator shows the effect on your first home saver account balance depending on:
how long you save
how much you contribute
the type of account you choose (and its rate of return)
any associated fees and costs.
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Manage your money
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Budget planner
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Helps you manage your expenses so that you spend less than you earn.
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Credit card calculator
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Check how long it may take you to pay off your credit card if you only pay the 'minumum payment' and how by paying more, you can significantly reduce the time it takes to pay off your credit card debt.
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Multi-loan calculator
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Check which of 3 options could best suit you. Includes paying off your loans faster, refinancing, or changing payments on selected loans.
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Statement of financial position
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Check your financial position and overall financial capacity.
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Plan your retirement
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Retirement planner
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Could your super and the age pension be enough to give you the income you would like to have when you retire? Ask the FIDO retirement planner to crunch the numbers and show you.
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Account-based pension calculator
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An account-based pension or annuity is one of the products you can buy with your super when you retire. Account based pensions are also known as allocated pensions.
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Term allocated pension calculator
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What pension could you get from this retirement income product? Includes options for investments, term and amount of pension, fees, compare products.
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Reverse mortgage calculator
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See how your reverse mortgage debt builds up and may affect how much of your home you still own as time goes by.
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Important Note:
Using Online Calculators are helpful, but there are some pitfalls that it pays to be aware of.
Over the past few years, banks, super funds and investment managers have added online calculators to their websites to help you see the effect of different financial choices you might make. FIDO also has calculators for super, managed funds, loans and credit cards.
Many calculators are helpful, but there are some pitfalls that it pays to be aware of.
A model, not a prediction
Every calculator attempts to model, and therefore to simplify, what can be a complicated situation in real life. Especially when calculators project future benefits from super or investing, you can rest assured that in real life, the final result will be different from what the calculator projects.
Calculators can at best only illustrate the effects of decisions you can control, for example:
· choosing a low-fee fund
· topping up your super
· paying off a loan early.
The calculators do this by ignoring what none of us can control, for example increases interest rates, market ups and downs.
The above is an excerpt from the ASIC Fido website