KashVector

Yes — completely free, forever. No sign-up, no trial period, no premium tier. KashVector is a personal project with no monetisation.

No. All calculations happen in your browser. Your inputs are saved locally in your browser's localStorage so you don't lose them on refresh — but nothing is sent to any server or database.

Most tools are built with Australia in mind — they use Australian tax brackets, superannuation rules, CGT discounts, and state-based stamp duty rates. The FIRE Calculator and Stock Evaluator work globally, but the mortgage, debt recycling, salary sacrifice, and rent vs buy calculators are Australian-specific.

No. KashVector tools are for educational and informational purposes only. They are not a substitute for advice from a licensed financial adviser, accountant, or mortgage broker who can assess your full situation.

Your FIRE number is the investment portfolio size at which you can retire and live off returns indefinitely. It is calculated by multiplying your annual expenses by 25 — equivalent to the 4% safe withdrawal rate. If you spend $60,000 per year, your FIRE number is $1,500,000. Use the FIRE Calculator to find your number and see exactly how long it will take at your current savings rate.

Debt recycling converts your non-deductible home loan into tax-deductible investment debt. You redraw equity from your home to invest in income-producing assets like shares or ETFs. The investment income and tax deductions are then used to pay down the home loan faster — accelerating both mortgage repayment and wealth accumulation. It involves risk and is best modelled carefully before starting.

Salary sacrifice redirects pre-tax income into your super fund, where it is taxed at 15% instead of your marginal income tax rate (up to 47%). The higher your income, the larger the tax saving. For high earners, Division 293 tax applies — reducing (but not eliminating) the benefit. The concessional cap is $30,000 per year including employer contributions. The Salary Sacrifice Calculator shows your exact after-tax benefit compared to investing outside super.

It depends on your income, savings, local prices, and how long you plan to stay. Buying builds equity but costs stamp duty and ties up capital. Renting keeps you flexible. Rentvesting — renting where you want to live and buying an investment property elsewhere — can offer tax benefits and capital growth without the lifestyle trade-off. The Rent vs Buy vs Rentvest Calculator lets you model all three side-by-side with Australian stamp duty and CGT rates.

Five tools are updated for the 2026–27 budget: the 2026–27 Budget Impact Calculator (models the new CGT and negative gearing rules directly), the Debt Recycling Calculator (updated for the negative gearing restriction and CGT indexation), the Rent vs Buy vs Rent-vest Calculator (models new tax brackets, the NG restriction, and pre/post-budget CGT paths), the Salary Sacrifice Calculator (updated for the 2026–27 income tax brackets and Division 296 earnings tax on super balances above $3M), and the FIRE Calculator (updated for the 2026–27 income tax brackets).

For assets acquired after 12 May 2026, the 50% CGT discount is replaced from 1 July 2027 by inflation indexation of the cost base plus a 30% minimum tax rate. Assets bought before 12 May 2026 are grandfathered — gains up to 1 July 2027 still get the 50% discount, and only gains after that date use the new indexation method (a "split gain"). Use the Budget Impact Calculator to compare the two regimes for your situation.

From 1 July 2027, negative gearing deductions on established investment properties purchased after 12 May 2026 are capped at rental income — losses can no longer offset salary. They carry forward to reduce future rental income or the capital gain on sale. New builds remain fully deductible. Properties purchased before 12 May 2026 are grandfathered and unaffected. The Rent vs Buy calculator and Debt Recycling calculator both model this restriction.