{"id":738,"date":"2026-08-17T10:41:20","date_gmt":"2026-08-17T10:41:20","guid":{"rendered":"https:\/\/www.stockmaster.in\/universe\/?p=738"},"modified":"2026-08-17T10:42:46","modified_gmt":"2026-08-17T10:42:46","slug":"debt-vs-super-calculator","status":"publish","type":"post","link":"https:\/\/www.stockmaster.in\/universe\/debt-vs-super-calculator\/","title":{"rendered":"Debt vs Super Calculator"},"content":{"rendered":"<div id=\"dvs-super-australia\">\r\n\r\n  <div class=\"dvs-wrap\">\r\n\r\n    <div class=\"dvs-hero\">\r\n      <div class=\"dvs-badge\">AUSTRALIA FINANCIAL CALCULATOR<\/div>\r\n\r\n      <h2>Debt vs Super Calculator<\/h2>\r\n\r\n      <p>\r\n        Compare using extra money to pay down debt versus investing\r\n        that money into superannuation over time.\r\n      <\/p>\r\n    <\/div>\r\n\r\n\r\n    <div class=\"dvs-main\">\r\n\r\n      <!-- INPUT PANEL -->\r\n\r\n      <div class=\"dvs-input-panel\">\r\n\r\n        <h3>Your Financial Situation<\/h3>\r\n\r\n\r\n        <div class=\"dvs-field\">\r\n\r\n          <label for=\"dvs-debt\">\r\n            Current Debt Balance\r\n          <\/label>\r\n\r\n          <div class=\"dvs-input-wrap\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"dvs-debt\"\r\n              value=\"30000\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"dvs-field\">\r\n\r\n          <label for=\"dvs-rate\">\r\n            Debt Interest Rate\r\n          <\/label>\r\n\r\n          <div class=\"dvs-input-wrap\">\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"dvs-rate\"\r\n              value=\"7\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n            <span>%<\/span>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"dvs-field\">\r\n\r\n          <label for=\"dvs-payment\">\r\n            Current Monthly Debt Payment\r\n          <\/label>\r\n\r\n          <div class=\"dvs-input-wrap\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"dvs-payment\"\r\n              value=\"600\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"dvs-field\">\r\n\r\n          <label for=\"dvs-extra\">\r\n            Extra Money Available Each Month\r\n          <\/label>\r\n\r\n          <div class=\"dvs-input-wrap\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"dvs-extra\"\r\n              value=\"500\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"dvs-field\">\r\n\r\n          <label for=\"dvs-super-return\">\r\n            Expected Super Investment Return\r\n          <\/label>\r\n\r\n          <div class=\"dvs-input-wrap\">\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"dvs-super-return\"\r\n              value=\"7\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n            <span>%<\/span>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"dvs-field\">\r\n\r\n          <label for=\"dvs-fee\">\r\n            Estimated Super Fees\r\n          <\/label>\r\n\r\n          <div class=\"dvs-input-wrap\">\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"dvs-fee\"\r\n              value=\"0.5\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n            <span>%<\/span>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"dvs-field\">\r\n\r\n          <label for=\"dvs-tax\">\r\n            Estimated Contribution Tax\r\n          <\/label>\r\n\r\n          <div class=\"dvs-input-wrap\">\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"dvs-tax\"\r\n              value=\"15\"\r\n              min=\"0\"\r\n            >\r\n\r\n            <span>%<\/span>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"dvs-field\">\r\n\r\n          <label for=\"dvs-years\">\r\n            Investment Time Horizon\r\n          <\/label>\r\n\r\n          <div class=\"dvs-input-wrap\">\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"dvs-years\"\r\n              value=\"20\"\r\n              min=\"1\"\r\n              max=\"60\"\r\n              step=\"1\"\r\n            >\r\n\r\n            <span>Years<\/span>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <button\r\n          type=\"button\"\r\n          id=\"dvs-calculate\"\r\n        >\r\n          Compare Debt vs Super\r\n        <\/button>\r\n\r\n\r\n        <button\r\n          type=\"button\"\r\n          id=\"dvs-reset\"\r\n          class=\"dvs-reset\"\r\n        >\r\n          Reset Calculator\r\n        <\/button>\r\n\r\n      <\/div>\r\n\r\n\r\n      <!-- RESULTS -->\r\n\r\n      <div class=\"dvs-results\">\r\n\r\n        <div\r\n          id=\"dvs-error\"\r\n          class=\"dvs-error\"\r\n        ><\/div>\r\n\r\n\r\n        <!-- MAIN RESULT -->\r\n\r\n        <div class=\"dvs-result-banner\">\r\n\r\n          <span>PROJECTED DIFFERENCE<\/span>\r\n\r\n          <strong id=\"dvs-difference\">\r\n            $0\r\n          <\/strong>\r\n\r\n          <small id=\"dvs-winner\">\r\n            \u2014\r\n          <\/small>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- COMPARISON -->\r\n\r\n        <div class=\"dvs-comparison\">\r\n\r\n          <div class=\"dvs-option dvs-debt-option\">\r\n\r\n            <div class=\"dvs-option-title\">\r\n\r\n              <span>OPTION A<\/span>\r\n\r\n              <h3>Pay Down Debt<\/h3>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"dvs-big-number\">\r\n              <span>Debt Interest Saved<\/span>\r\n\r\n              <strong id=\"dvs-interest-saved\">\r\n                $0\r\n              <\/strong>\r\n            <\/div>\r\n\r\n\r\n            <div class=\"dvs-mini-row\">\r\n\r\n              <span>Debt-free time<\/span>\r\n\r\n              <strong id=\"dvs-debt-time\">\r\n                \u2014\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"dvs-mini-row\">\r\n\r\n              <span>Debt balance<\/span>\r\n\r\n              <strong id=\"dvs-debt-final\">\r\n                $0\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"dvs-option dvs-super-option\">\r\n\r\n            <div class=\"dvs-option-title\">\r\n\r\n              <span>OPTION B<\/span>\r\n\r\n              <h3>Invest in Super<\/h3>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"dvs-big-number\">\r\n\r\n              <span>Projected Super Value<\/span>\r\n\r\n              <strong id=\"dvs-super-value\">\r\n                $0\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"dvs-mini-row\">\r\n\r\n              <span>Contributions<\/span>\r\n\r\n              <strong id=\"dvs-super-contributions\">\r\n                $0\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"dvs-mini-row\">\r\n\r\n              <span>Projected growth<\/span>\r\n\r\n              <strong id=\"dvs-super-growth\">\r\n                $0\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- EXPLANATION -->\r\n\r\n        <div class=\"dvs-summary\">\r\n\r\n          <h3>What the Calculation Shows<\/h3>\r\n\r\n          <p id=\"dvs-summary-text\"><\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- BREAK EVEN -->\r\n\r\n        <div class=\"dvs-section\">\r\n\r\n          <div class=\"dvs-section-heading\">\r\n\r\n            <h3>Break-Even Investment Return<\/h3>\r\n\r\n            <p>\r\n              The estimated annual investment return at which the\r\n              super strategy could become comparable with the benefit\r\n              of paying down debt.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"dvs-break-even\">\r\n\r\n            <span>Estimated Break-Even Return<\/span>\r\n\r\n            <strong id=\"dvs-break-even\">\r\n              \u2014\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- YEAR COMPARISON -->\r\n\r\n        <div class=\"dvs-section\">\r\n\r\n          <div class=\"dvs-section-heading\">\r\n\r\n            <h3>Long-Term Comparison<\/h3>\r\n\r\n            <p>\r\n              See how the two strategies compare over different time periods.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"dvs-table-wrap\">\r\n\r\n            <table class=\"dvs-table\">\r\n\r\n              <thead>\r\n\r\n                <tr>\r\n\r\n                  <th>Time<\/th>\r\n\r\n                  <th>Debt Strategy<\/th>\r\n\r\n                  <th>Super Strategy<\/th>\r\n\r\n                  <th>Difference<\/th>\r\n\r\n                <\/tr>\r\n\r\n              <\/thead>\r\n\r\n\r\n              <tbody>\r\n\r\n                <tr>\r\n\r\n                  <td>5 Years<\/td>\r\n\r\n                  <td id=\"dvs-5-debt\">$0<\/td>\r\n\r\n                  <td id=\"dvs-5-super\">$0<\/td>\r\n\r\n                  <td id=\"dvs-5-diff\">$0<\/td>\r\n\r\n                <\/tr>\r\n\r\n\r\n                <tr>\r\n\r\n                  <td>10 Years<\/td>\r\n\r\n                  <td id=\"dvs-10-debt\">$0<\/td>\r\n\r\n                  <td id=\"dvs-10-super\">$0<\/td>\r\n\r\n                  <td id=\"dvs-10-diff\">$0<\/td>\r\n\r\n                <\/tr>\r\n\r\n\r\n                <tr>\r\n\r\n                  <td>15 Years<\/td>\r\n\r\n                  <td id=\"dvs-15-debt\">$0<\/td>\r\n\r\n                  <td id=\"dvs-15-super\">$0<\/td>\r\n\r\n                  <td id=\"dvs-15-diff\">$0<\/td>\r\n\r\n                <\/tr>\r\n\r\n\r\n                <tr>\r\n\r\n                  <td>20 Years<\/td>\r\n\r\n                  <td id=\"dvs-20-debt\">$0<\/td>\r\n\r\n                  <td id=\"dvs-20-super\">$0<\/td>\r\n\r\n                  <td id=\"dvs-20-diff\">$0<\/td>\r\n\r\n                <\/tr>\r\n\r\n\r\n                <tr>\r\n\r\n                  <td>30 Years<\/td>\r\n\r\n                  <td id=\"dvs-30-debt\">$0<\/td>\r\n\r\n                  <td id=\"dvs-30-super\">$0<\/td>\r\n\r\n                  <td id=\"dvs-30-diff\">$0<\/td>\r\n\r\n                <\/tr>\r\n\r\n              <\/tbody>\r\n\r\n            <\/table>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- CHART -->\r\n\r\n        <div class=\"dvs-section\">\r\n\r\n          <div class=\"dvs-section-heading\">\r\n\r\n            <h3>Projected Growth Comparison<\/h3>\r\n\r\n            <p>\r\n              Estimated value of each strategy over time.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"dvs-chart\">\r\n\r\n            <canvas id=\"dvs-chart-canvas\"><\/canvas>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- DECISION -->\r\n\r\n        <div class=\"dvs-decision\">\r\n\r\n          <h3>Important Things to Consider<\/h3>\r\n\r\n          <ul>\r\n\r\n            <li>\r\n              Paying debt provides a benefit based on the interest\r\n              you avoid paying.\r\n            <\/li>\r\n\r\n            <li>\r\n              Super investment returns are not guaranteed and can\r\n              rise or fall.\r\n            <\/li>\r\n\r\n            <li>\r\n              Employer super contributions may change the comparison\r\n              significantly.\r\n            <\/li>\r\n\r\n            <li>\r\n              Super has preservation and access rules that may limit\r\n              when you can use the money.\r\n            <\/li>\r\n\r\n            <li>\r\n              High-interest debt may deserve priority over additional\r\n              investing.\r\n            <\/li>\r\n\r\n          <\/ul>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- DISCLAIMER -->\r\n\r\n        <div class=\"dvs-disclaimer\">\r\n\r\n          <strong>Important:<\/strong>\r\n\r\n          This calculator provides simplified estimates for educational\r\n          purposes only. It does not provide personal financial advice,\r\n          tax advice or superannuation advice. Superannuation investment\r\n          returns are not guaranteed. Actual results may differ because\r\n          of investment performance, fees, taxes, contribution rules,\r\n          insurance costs, market conditions and individual circumstances.\r\n\r\n          This calculator does not determine your eligibility for any\r\n          superannuation contribution, tax concession or government benefit.\r\n\r\n        <\/div>\r\n\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- SEO CONTENT -->\r\n\r\n    <div class=\"dvs-content\">\r\n\r\n      <h3>How the Debt vs Super Calculator Works<\/h3>\r\n\r\n      <p>\r\n        The Debt vs Super Calculator Australia compares two possible\r\n        uses of extra money: paying additional amounts toward debt or\r\n        investing that money into superannuation. Enter your debt balance,\r\n        interest rate, current monthly payment, additional monthly amount,\r\n        expected super investment return, estimated fees, contribution tax\r\n        and investment time horizon. The calculator estimates the interest\r\n        that could be avoided by paying down debt and compares it with a\r\n        simplified projection of potential super growth.\r\n      <\/p>\r\n\r\n\r\n      <h3>Should You Pay Debt or Invest in Super?<\/h3>\r\n\r\n      <p>\r\n        There is no single answer for everyone. The decision can depend\r\n        on the interest rate on your debt, expected investment returns,\r\n        tax considerations, employer contributions, emergency savings,\r\n        investment timeframe and your personal circumstances. Higher-cost\r\n        debt can make debt repayment more attractive, while long-term\r\n        super investment may provide an opportunity for compound growth.\r\n        Use the calculator to compare scenarios rather than treating the\r\n        result as personalised financial advice.\r\n      <\/p>\r\n\r\n\r\n      <h3>Debt vs Super Comparison<\/h3>\r\n\r\n      <p>\r\n        Use the different time horizons to see how the comparison changes\r\n        over five, ten, fifteen, twenty and thirty years. Investment\r\n        returns are estimates and actual super performance can be higher\r\n        or lower than the assumed return. The calculator is designed to\r\n        help Australians understand the trade-off between reducing debt\r\n        and investing additional money for the long term.\r\n      <\/p>\r\n\r\n    <\/div>\r\n\r\n  <\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<style>\r\n\r\n\/* =====================================================\r\n   DEBT VS SUPER CALCULATOR AUSTRALIA\r\n   PRIMARY COLOUR: #7C3AED\r\n===================================================== *\/\r\n\r\n#dvs-super-australia {\r\n\r\n  --dvs-primary: #7C3AED;\r\n  --dvs-primary-dark: #6D28D9;\r\n  --dvs-primary-light: #F3E8FF;\r\n\r\n  --dvs-text: #111827;\r\n  --dvs-muted: #6B7280;\r\n\r\n  --dvs-border: #E5E7EB;\r\n  --dvs-bg: #F8FAFC;\r\n\r\n  --dvs-green: #15803D;\r\n  --dvs-green-bg: #F0FDF4;\r\n\r\n  --dvs-red: #B91C1C;\r\n  --dvs-red-bg: #FEF2F2;\r\n\r\n  max-width: 1100px;\r\n\r\n  margin: 30px auto;\r\n\r\n  font-family:\r\n    Arial,\r\n    Helvetica,\r\n    sans-serif;\r\n\r\n  color: var(--dvs-text);\r\n\r\n  line-height: 1.5;\r\n\r\n}\r\n\r\n\r\n#dvs-super-australia *,\r\n#dvs-super-australia *::before,\r\n#dvs-super-australia *::after {\r\n\r\n  box-sizing: border-box;\r\n\r\n}\r\n\r\n\r\n\/* HERO *\/\r\n\r\n.dvs-hero {\r\n\r\n  text-align: center;\r\n\r\n  margin-bottom: 25px;\r\n\r\n}\r\n\r\n\r\n.dvs-badge {\r\n\r\n  display: inline-block;\r\n\r\n  padding: 6px 12px;\r\n\r\n  border-radius: 50px;\r\n\r\n  background:\r\n    var(--dvs-primary-light);\r\n\r\n  color:\r\n    var(--dvs-primary-dark);\r\n\r\n  font-size: 11px;\r\n\r\n  font-weight: 800;\r\n\r\n  letter-spacing: .5px;\r\n\r\n  margin-bottom: 10px;\r\n\r\n}\r\n\r\n\r\n.dvs-hero h2 {\r\n\r\n  margin: 0 0 10px;\r\n\r\n  font-size: 32px;\r\n\r\n  line-height: 1.2;\r\n\r\n}\r\n\r\n\r\n.dvs-hero p {\r\n\r\n  max-width: 720px;\r\n\r\n  margin: auto;\r\n\r\n  color:\r\n    var(--dvs-muted);\r\n\r\n  font-size: 15px;\r\n\r\n}\r\n\r\n\r\n\/* MAIN *\/\r\n\r\n.dvs-main {\r\n\r\n  display: grid;\r\n\r\n  grid-template-columns:\r\n    330px 1fr;\r\n\r\n  gap: 22px;\r\n\r\n  align-items: start;\r\n\r\n}\r\n\r\n\r\n\/* INPUT *\/\r\n\r\n.dvs-input-panel {\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--dvs-border);\r\n\r\n  border-radius: 14px;\r\n\r\n  padding: 22px;\r\n\r\n  box-shadow:\r\n    0 4px 18px\r\n    rgba(0,0,0,.05);\r\n\r\n  position: sticky;\r\n\r\n  top: 20px;\r\n\r\n}\r\n\r\n\r\n.dvs-input-panel h3 {\r\n\r\n  margin:\r\n    0 0 20px;\r\n\r\n  font-size: 20px;\r\n\r\n}\r\n\r\n\r\n.dvs-field {\r\n\r\n  margin-bottom: 16px;\r\n\r\n}\r\n\r\n\r\n.dvs-field label {\r\n\r\n  display: block;\r\n\r\n  margin-bottom: 7px;\r\n\r\n  font-size: 13px;\r\n\r\n  font-weight: 700;\r\n\r\n}\r\n\r\n\r\n.dvs-input-wrap {\r\n\r\n  height: 48px;\r\n\r\n  display: flex;\r\n\r\n  align-items: center;\r\n\r\n  border:\r\n    1px solid\r\n    #D1D5DB;\r\n\r\n  border-radius: 8px;\r\n\r\n  overflow: hidden;\r\n\r\n  background: #fff;\r\n\r\n}\r\n\r\n\r\n.dvs-input-wrap:focus-within {\r\n\r\n  border-color:\r\n    var(--dvs-primary);\r\n\r\n  box-shadow:\r\n    0 0 0 3px\r\n    rgba(124,58,237,.12);\r\n\r\n}\r\n\r\n\r\n.dvs-input-wrap span {\r\n\r\n  padding:\r\n    0 11px;\r\n\r\n  color:\r\n    var(--dvs-muted);\r\n\r\n  font-size: 13px;\r\n\r\n  font-weight: 600;\r\n\r\n}\r\n\r\n\r\n.dvs-input-wrap input {\r\n\r\n  width: 100%;\r\n\r\n  height: 100%;\r\n\r\n  border: 0;\r\n\r\n  outline: 0;\r\n\r\n  background: transparent;\r\n\r\n  padding:\r\n    0 9px;\r\n\r\n  font-size: 15px;\r\n\r\n  color:\r\n    var(--dvs-text);\r\n\r\n}\r\n\r\n\r\n#dvs-calculate {\r\n\r\n  width: 100%;\r\n\r\n  height: 50px;\r\n\r\n  border: 0;\r\n\r\n  border-radius: 8px;\r\n\r\n  background:\r\n    var(--dvs-primary);\r\n\r\n  color: #fff;\r\n\r\n  font-size: 16px;\r\n\r\n  font-weight: 800;\r\n\r\n  cursor: pointer;\r\n\r\n  transition: .2s;\r\n\r\n}\r\n\r\n\r\n#dvs-calculate:hover {\r\n\r\n  background:\r\n    var(--dvs-primary-dark);\r\n\r\n}\r\n\r\n\r\n.dvs-reset {\r\n\r\n  width: 100%;\r\n\r\n  height: 38px;\r\n\r\n  margin-top: 8px;\r\n\r\n  border: 0;\r\n\r\n  background: transparent;\r\n\r\n  color:\r\n    var(--dvs-muted);\r\n\r\n  cursor: pointer;\r\n\r\n}\r\n\r\n\r\n\/* ERROR *\/\r\n\r\n.dvs-error {\r\n\r\n  display: none;\r\n\r\n  margin-bottom: 15px;\r\n\r\n  padding: 13px;\r\n\r\n  border-radius: 9px;\r\n\r\n  background:\r\n    var(--dvs-red-bg);\r\n\r\n  color:\r\n    var(--dvs-red);\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n\/* RESULT *\/\r\n\r\n.dvs-result-banner {\r\n\r\n  padding: 23px;\r\n\r\n  border-radius: 14px;\r\n\r\n  background:\r\n    linear-gradient(\r\n      135deg,\r\n      var(--dvs-primary),\r\n      var(--dvs-primary-dark)\r\n    );\r\n\r\n  color: #fff;\r\n\r\n  text-align: center;\r\n\r\n  box-shadow:\r\n    0 8px 25px\r\n    rgba(124,58,237,.22);\r\n\r\n}\r\n\r\n\r\n.dvs-result-banner span {\r\n\r\n  display: block;\r\n\r\n  font-size: 11px;\r\n\r\n  opacity: .8;\r\n\r\n  font-weight: 700;\r\n\r\n}\r\n\r\n\r\n.dvs-result-banner strong {\r\n\r\n  display: block;\r\n\r\n  margin-top: 4px;\r\n\r\n  font-size: 30px;\r\n\r\n}\r\n\r\n\r\n.dvs-result-banner small {\r\n\r\n  display: block;\r\n\r\n  margin-top: 4px;\r\n\r\n  font-size: 13px;\r\n\r\n  opacity: .9;\r\n\r\n}\r\n\r\n\r\n\/* COMPARISON *\/\r\n\r\n.dvs-comparison {\r\n\r\n  display: grid;\r\n\r\n  grid-template-columns:\r\n    1fr 1fr;\r\n\r\n  gap: 14px;\r\n\r\n  margin-top: 15px;\r\n\r\n}\r\n\r\n\r\n.dvs-option {\r\n\r\n  padding: 20px;\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--dvs-border);\r\n\r\n  border-radius: 12px;\r\n\r\n}\r\n\r\n\r\n.dvs-debt-option {\r\n\r\n  border-top:\r\n    4px solid\r\n    #EF4444;\r\n\r\n}\r\n\r\n\r\n.dvs-super-option {\r\n\r\n  border-top:\r\n    4px solid\r\n    var(--dvs-primary);\r\n\r\n}\r\n\r\n\r\n.dvs-option-title span {\r\n\r\n  font-size: 10px;\r\n\r\n  font-weight: 800;\r\n\r\n  color:\r\n    var(--dvs-muted);\r\n\r\n}\r\n\r\n\r\n.dvs-option-title h3 {\r\n\r\n  margin:\r\n    2px 0 17px;\r\n\r\n  font-size: 20px;\r\n\r\n}\r\n\r\n\r\n.dvs-big-number span {\r\n\r\n  display: block;\r\n\r\n  color:\r\n    var(--dvs-muted);\r\n\r\n  font-size: 12px;\r\n\r\n}\r\n\r\n\r\n.dvs-big-number strong {\r\n\r\n  display: block;\r\n\r\n  margin-top: 3px;\r\n\r\n  font-size: 25px;\r\n\r\n}\r\n\r\n\r\n.dvs-mini-row {\r\n\r\n  display: flex;\r\n\r\n  justify-content: space-between;\r\n\r\n  gap: 10px;\r\n\r\n  padding-top: 12px;\r\n\r\n  margin-top: 12px;\r\n\r\n  border-top:\r\n    1px solid\r\n    var(--dvs-border);\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n.dvs-mini-row span {\r\n\r\n  color:\r\n    var(--dvs-muted);\r\n\r\n}\r\n\r\n\r\n\/* SUMMARY *\/\r\n\r\n.dvs-summary {\r\n\r\n  margin-top: 15px;\r\n\r\n  padding: 19px;\r\n\r\n  background:\r\n    var(--dvs-primary-light);\r\n\r\n  border-left:\r\n    4px solid\r\n    var(--dvs-primary);\r\n\r\n  border-radius: 9px;\r\n\r\n}\r\n\r\n\r\n.dvs-summary h3 {\r\n\r\n  margin:\r\n    0 0 7px;\r\n\r\n  font-size: 18px;\r\n\r\n}\r\n\r\n\r\n.dvs-summary p {\r\n\r\n  margin: 0;\r\n\r\n  font-size: 14px;\r\n\r\n}\r\n\r\n\r\n\/* SECTIONS *\/\r\n\r\n.dvs-section {\r\n\r\n  margin-top: 25px;\r\n\r\n}\r\n\r\n\r\n.dvs-section-heading h3 {\r\n\r\n  margin:\r\n    0 0 5px;\r\n\r\n  font-size: 20px;\r\n\r\n}\r\n\r\n\r\n.dvs-section-heading p {\r\n\r\n  margin:\r\n    0 0 14px;\r\n\r\n  color:\r\n    var(--dvs-muted);\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n\/* BREAK EVEN *\/\r\n\r\n.dvs-break-even {\r\n\r\n  display: flex;\r\n\r\n  justify-content: space-between;\r\n\r\n  align-items: center;\r\n\r\n  padding: 20px;\r\n\r\n  background:\r\n    #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--dvs-border);\r\n\r\n  border-radius: 10px;\r\n\r\n}\r\n\r\n\r\n.dvs-break-even span {\r\n\r\n  color:\r\n    var(--dvs-muted);\r\n\r\n  font-size: 14px;\r\n\r\n}\r\n\r\n\r\n.dvs-break-even strong {\r\n\r\n  color:\r\n    var(--dvs-primary);\r\n\r\n  font-size: 24px;\r\n\r\n}\r\n\r\n\r\n\/* TABLE *\/\r\n\r\n.dvs-table-wrap {\r\n\r\n  overflow-x: auto;\r\n\r\n  border:\r\n    1px solid\r\n    var(--dvs-border);\r\n\r\n  border-radius: 10px;\r\n\r\n}\r\n\r\n\r\n.dvs-table {\r\n\r\n  width: 100%;\r\n\r\n  min-width: 570px;\r\n\r\n  border-collapse:\r\n    collapse;\r\n\r\n}\r\n\r\n\r\n.dvs-table th {\r\n\r\n  background:\r\n    #F9FAFB;\r\n\r\n  padding: 12px;\r\n\r\n  text-align: left;\r\n\r\n  font-size: 12px;\r\n\r\n  font-weight: 800;\r\n\r\n}\r\n\r\n\r\n.dvs-table td {\r\n\r\n  padding: 12px;\r\n\r\n  border-top:\r\n    1px solid\r\n    var(--dvs-border);\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n.dvs-table td:last-child {\r\n\r\n  color:\r\n    var(--dvs-primary-dark);\r\n\r\n  font-weight: 700;\r\n\r\n}\r\n\r\n\r\n\/* CHART *\/\r\n\r\n.dvs-chart {\r\n\r\n  width: 100%;\r\n\r\n  height: 310px;\r\n\r\n  padding: 15px;\r\n\r\n  background:\r\n    #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--dvs-border);\r\n\r\n  border-radius: 10px;\r\n\r\n}\r\n\r\n\r\n#dvs-chart-canvas {\r\n\r\n  width: 100%;\r\n\r\n  height: 100%;\r\n\r\n}\r\n\r\n\r\n\/* DECISION *\/\r\n\r\n.dvs-decision {\r\n\r\n  margin-top: 25px;\r\n\r\n  padding: 20px;\r\n\r\n  border-radius: 11px;\r\n\r\n  background:\r\n    #F9FAFB;\r\n\r\n  border:\r\n    1px solid\r\n    var(--dvs-border);\r\n\r\n}\r\n\r\n\r\n.dvs-decision h3 {\r\n\r\n  margin:\r\n    0 0 10px;\r\n\r\n  font-size: 19px;\r\n\r\n}\r\n\r\n\r\n.dvs-decision ul {\r\n\r\n  margin:\r\n    0;\r\n\r\n  padding-left: 20px;\r\n\r\n}\r\n\r\n\r\n.dvs-decision li {\r\n\r\n  margin-bottom: 8px;\r\n\r\n  font-size: 14px;\r\n\r\n  color:\r\n    #4B5563;\r\n\r\n}\r\n\r\n\r\n\/* DISCLAIMER *\/\r\n\r\n.dvs-disclaimer {\r\n\r\n  margin-top: 22px;\r\n\r\n  padding-top: 18px;\r\n\r\n  border-top:\r\n    1px solid\r\n    var(--dvs-border);\r\n\r\n  color:\r\n    var(--dvs-muted);\r\n\r\n  font-size: 11px;\r\n\r\n  line-height: 1.7;\r\n\r\n}\r\n\r\n\r\n\/* SEO CONTENT *\/\r\n\r\n.dvs-content {\r\n\r\n  margin-top: 30px;\r\n\r\n  padding: 25px;\r\n\r\n  background:\r\n    #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--dvs-border);\r\n\r\n  border-radius: 14px;\r\n\r\n}\r\n\r\n\r\n.dvs-content h3 {\r\n\r\n  margin:\r\n    0 0 9px;\r\n\r\n  font-size: 21px;\r\n\r\n}\r\n\r\n\r\n.dvs-content p {\r\n\r\n  margin:\r\n    0 0 25px;\r\n\r\n  color:\r\n    #4B5563;\r\n\r\n  font-size: 15px;\r\n\r\n}\r\n\r\n\r\n\/* RESPONSIVE *\/\r\n\r\n@media(max-width:850px) {\r\n\r\n  .dvs-main {\r\n\r\n    grid-template-columns:\r\n      1fr;\r\n\r\n  }\r\n\r\n  .dvs-input-panel {\r\n\r\n    position: static;\r\n\r\n  }\r\n\r\n}\r\n\r\n\r\n@media(max-width:600px) {\r\n\r\n  .dvs-hero h2 {\r\n\r\n    font-size: 26px;\r\n\r\n  }\r\n\r\n  .dvs-comparison {\r\n\r\n    grid-template-columns:\r\n      1fr;\r\n\r\n  }\r\n\r\n  .dvs-break-even {\r\n\r\n    flex-direction: column;\r\n\r\n    align-items: flex-start;\r\n\r\n    gap: 8px;\r\n\r\n  }\r\n\r\n}\r\n\r\n\r\n<\/style>\r\n\r\n\r\n<script>\r\n\r\n(function() {\r\n\r\n  \"use strict\";\r\n\r\n\r\n  \/* ==========================================\r\n     HELPERS\r\n  ========================================== *\/\r\n\r\n  function num(id) {\r\n\r\n    var el =\r\n      document.getElementById(id);\r\n\r\n    if (!el) return 0;\r\n\r\n    var value =\r\n      parseFloat(el.value);\r\n\r\n    return isFinite(value)\r\n      ? value\r\n      : 0;\r\n\r\n  }\r\n\r\n\r\n  function money(value) {\r\n\r\n    if (!isFinite(value)) {\r\n\r\n      return \"$0.00\";\r\n\r\n    }\r\n\r\n    return \"$\" +\r\n      value.toLocaleString(\r\n        \"en-AU\",\r\n        {\r\n          minimumFractionDigits: 2,\r\n          maximumFractionDigits: 2\r\n        }\r\n      );\r\n\r\n  }\r\n\r\n\r\n  function percent(value) {\r\n\r\n    return value.toFixed(2) + \"%\";\r\n\r\n  }\r\n\r\n\r\n  \/* ==========================================\r\n     DEBT PAYOFF\r\n  ========================================== *\/\r\n\r\n  function debtPayoff(\r\n    balance,\r\n    rate,\r\n    payment\r\n  ) {\r\n\r\n    var monthlyRate =\r\n      rate \/ 100 \/ 12;\r\n\r\n\r\n    if (\r\n      balance <= 0\r\n    ) {\r\n\r\n      return {\r\n        months: 0,\r\n        interest: 0,\r\n        balance: 0\r\n      };\r\n\r\n    }\r\n\r\n\r\n    if (\r\n      payment <= 0\r\n    ) {\r\n\r\n      return {\r\n        impossible: true\r\n      };\r\n\r\n    }\r\n\r\n\r\n    if (\r\n      monthlyRate === 0\r\n    ) {\r\n\r\n      var months =\r\n        Math.ceil(\r\n          balance \/ payment\r\n        );\r\n\r\n\r\n      return {\r\n\r\n        months: months,\r\n\r\n        interest: 0,\r\n\r\n        balance: 0\r\n\r\n      };\r\n\r\n    }\r\n\r\n\r\n    var firstInterest =\r\n      balance * monthlyRate;\r\n\r\n\r\n    if (\r\n      payment <= firstInterest\r\n    ) {\r\n\r\n      return {\r\n\r\n        impossible: true\r\n\r\n      };\r\n\r\n    }\r\n\r\n\r\n    var remaining =\r\n      balance;\r\n\r\n    var totalInterest = 0;\r\n\r\n    var months = 0;\r\n\r\n\r\n    while (\r\n      remaining > 0 &&\r\n      months < 1200\r\n    ) {\r\n\r\n      var interest =\r\n        remaining *\r\n        monthlyRate;\r\n\r\n\r\n      var principal =\r\n        payment -\r\n        interest;\r\n\r\n\r\n      if (\r\n        principal <= 0\r\n      ) {\r\n\r\n        return {\r\n          impossible: true\r\n        };\r\n\r\n      }\r\n\r\n\r\n      if (\r\n        payment >=\r\n        remaining + interest\r\n      ) {\r\n\r\n        totalInterest +=\r\n          interest;\r\n\r\n        remaining = 0;\r\n\r\n        months++;\r\n\r\n        break;\r\n\r\n      }\r\n\r\n\r\n      remaining -=\r\n        principal;\r\n\r\n      totalInterest +=\r\n        interest;\r\n\r\n      months++;\r\n\r\n    }\r\n\r\n\r\n    if (\r\n      months >= 1200\r\n    ) {\r\n\r\n      return {\r\n        impossible: true\r\n      };\r\n\r\n    }\r\n\r\n\r\n    return {\r\n\r\n      months:\r\n        months,\r\n\r\n      interest:\r\n        totalInterest,\r\n\r\n      balance:\r\n        remaining\r\n\r\n    };\r\n\r\n  }\r\n\r\n\r\n  \/* ==========================================\r\n     SUPER PROJECTION\r\n  ========================================== *\/\r\n\r\n  function superProjection(\r\n    monthlyContribution,\r\n    annualReturn,\r\n    years\r\n  ) {\r\n\r\n    var months =\r\n      years * 12;\r\n\r\n\r\n    var monthlyReturn =\r\n      annualReturn \/ 100 \/ 12;\r\n\r\n\r\n    var balance = 0;\r\n\r\n\r\n    for (\r\n      var i = 0;\r\n      i < months;\r\n      i++\r\n    ) {\r\n\r\n      balance +=\r\n        monthlyContribution;\r\n\r\n\r\n      balance *=\r\n        1 + monthlyReturn;\r\n\r\n    }\r\n\r\n\r\n    return balance;\r\n\r\n  }\r\n\r\n\r\n  \/* ==========================================\r\n     FUTURE SUPER VALUE\r\n  ========================================== *\/\r\n\r\n  function futureSuper(\r\n    monthly,\r\n    annualReturn,\r\n    years\r\n  ) {\r\n\r\n    return superProjection(\r\n      monthly,\r\n      annualReturn,\r\n      years\r\n    );\r\n\r\n  }\r\n\r\n\r\n  \/* ==========================================\r\n     CHART\r\n  ========================================== *\/\r\n\r\n  function drawChart(\r\n    debtBalance,\r\n    monthlyExtra,\r\n    debtRate,\r\n    superReturn,\r\n    years,\r\n    fee\r\n  ) {\r\n\r\n    var canvas =\r\n      document.getElementById(\r\n        \"dvs-chart-canvas\"\r\n      );\r\n\r\n\r\n    if (!canvas) return;\r\n\r\n\r\n    var ctx =\r\n      canvas.getContext(\r\n        \"2d\"\r\n      );\r\n\r\n\r\n    var rect =\r\n      canvas.getBoundingClientRect();\r\n\r\n\r\n    var dpr =\r\n      window.devicePixelRatio || 1;\r\n\r\n\r\n    canvas.width =\r\n      rect.width * dpr;\r\n\r\n\r\n    canvas.height =\r\n      rect.height * dpr;\r\n\r\n\r\n    ctx.scale(\r\n      dpr,\r\n      dpr\r\n    );\r\n\r\n\r\n    var width =\r\n      rect.width;\r\n\r\n    var height =\r\n      rect.height;\r\n\r\n\r\n    ctx.clearRect(\r\n      0,\r\n      0,\r\n      width,\r\n      height\r\n    );\r\n\r\n\r\n    var effectiveReturn =\r\n      Math.max(\r\n        0,\r\n        superReturn - fee\r\n      );\r\n\r\n\r\n    var pointsDebt = [];\r\n\r\n    var pointsSuper = [];\r\n\r\n\r\n    for (\r\n      var year = 0;\r\n      year <= years;\r\n      year++\r\n    ) {\r\n\r\n      \/*\r\n       * Value of extra money used to\r\n       * eliminate debt.\r\n       *\r\n       * Once debt is cleared, the extra\r\n       * payment is redirected to investment.\r\n       *\/\r\n\r\n      var debt =\r\n        debtPayoff(\r\n          debtBalance,\r\n          debtRate,\r\n          0\r\n        );\r\n\r\n\r\n      var remainingDebt =\r\n        debtBalance;\r\n\r\n\r\n      var monthlyRate =\r\n        debtRate \/ 100 \/ 12;\r\n\r\n\r\n      var monthsElapsed =\r\n        year * 12;\r\n\r\n\r\n      for (\r\n        var m = 0;\r\n        m < monthsElapsed;\r\n        m++\r\n      ) {\r\n\r\n        if (\r\n          remainingDebt > 0\r\n        ) {\r\n\r\n          var interest =\r\n            remainingDebt *\r\n            monthlyRate;\r\n\r\n\r\n          var principal =\r\n            Math.min(\r\n              monthlyExtra -\r\n              interest,\r\n              remainingDebt\r\n            );\r\n\r\n\r\n          if (\r\n            principal > 0\r\n          ) {\r\n\r\n            remainingDebt -=\r\n              principal;\r\n\r\n          }\r\n\r\n        }\r\n\r\n      }\r\n\r\n\r\n      pointsDebt.push(\r\n        Math.max(\r\n          0,\r\n          remainingDebt\r\n        )\r\n      );\r\n\r\n\r\n      pointsSuper.push(\r\n        futureSuper(\r\n          monthlyExtra,\r\n          effectiveReturn,\r\n          year\r\n        )\r\n      );\r\n\r\n    }\r\n\r\n\r\n    var maxValue =\r\n      Math.max.apply(\r\n        null,\r\n        pointsSuper\r\n      );\r\n\r\n\r\n    maxValue =\r\n      Math.max(\r\n        maxValue,\r\n        debtBalance\r\n      );\r\n\r\n\r\n    var padding = 40;\r\n\r\n\r\n    function x(i) {\r\n\r\n      return padding +\r\n        (\r\n          i \/ years\r\n        ) *\r\n        (\r\n          width -\r\n          padding * 2\r\n        );\r\n\r\n    }\r\n\r\n\r\n    function y(value) {\r\n\r\n      return height -\r\n        padding -\r\n        (\r\n          value \/\r\n          maxValue\r\n        ) *\r\n        (\r\n          height -\r\n          padding * 2\r\n        );\r\n\r\n    }\r\n\r\n\r\n    \/* GRID *\/\r\n\r\n    ctx.strokeStyle =\r\n      \"#E5E7EB\";\r\n\r\n    ctx.lineWidth = 1;\r\n\r\n\r\n    for (\r\n      var g = 0;\r\n      g <= 4;\r\n      g++\r\n    ) {\r\n\r\n      var gy =\r\n        padding +\r\n        g *\r\n        (\r\n          (\r\n            height -\r\n            padding * 2\r\n          ) \/ 4\r\n        );\r\n\r\n\r\n      ctx.beginPath();\r\n\r\n      ctx.moveTo(\r\n        padding,\r\n        gy\r\n      );\r\n\r\n      ctx.lineTo(\r\n        width - padding,\r\n        gy\r\n      );\r\n\r\n      ctx.stroke();\r\n\r\n    }\r\n\r\n\r\n    \/* SUPER LINE *\/\r\n\r\n    ctx.beginPath();\r\n\r\n\r\n    pointsSuper.forEach(\r\n      function(value, index) {\r\n\r\n        var px =\r\n          x(index);\r\n\r\n        var py =\r\n          y(value);\r\n\r\n\r\n        if (\r\n          index === 0\r\n        ) {\r\n\r\n          ctx.moveTo(\r\n            px,\r\n            py\r\n          );\r\n\r\n        } else {\r\n\r\n          ctx.lineTo(\r\n            px,\r\n            py\r\n          );\r\n\r\n        }\r\n\r\n      }\r\n    );\r\n\r\n\r\n    ctx.strokeStyle =\r\n      \"#7C3AED\";\r\n\r\n    ctx.lineWidth = 3;\r\n\r\n    ctx.stroke();\r\n\r\n\r\n    \/* DEBT LINE *\/\r\n\r\n    ctx.beginPath();\r\n\r\n\r\n    pointsDebt.forEach(\r\n      function(value, index) {\r\n\r\n        var px =\r\n          x(index);\r\n\r\n        var py =\r\n          y(value);\r\n\r\n\r\n        if (\r\n          index === 0\r\n        ) {\r\n\r\n          ctx.moveTo(\r\n            px,\r\n            py\r\n          );\r\n\r\n        } else {\r\n\r\n          ctx.lineTo(\r\n            px,\r\n            py\r\n          );\r\n\r\n        }\r\n\r\n      }\r\n    );\r\n\r\n\r\n    ctx.strokeStyle =\r\n      \"#EF4444\";\r\n\r\n    ctx.lineWidth = 2;\r\n\r\n    ctx.stroke();\r\n\r\n\r\n    \/* LABEL *\/\r\n\r\n    ctx.fillStyle =\r\n      \"#6B7280\";\r\n\r\n    ctx.font =\r\n      \"11px Arial\";\r\n\r\n\r\n    ctx.fillText(\r\n      money(maxValue),\r\n      5,\r\n      padding\r\n    );\r\n\r\n\r\n    ctx.fillText(\r\n      \"$0\",\r\n      5,\r\n      height - padding\r\n    );\r\n\r\n\r\n    ctx.fillStyle =\r\n      \"#7C3AED\";\r\n\r\n    ctx.fillText(\r\n      \"Super\",\r\n      width - 90,\r\n      20\r\n    );\r\n\r\n\r\n    ctx.fillStyle =\r\n      \"#EF4444\";\r\n\r\n    ctx.fillText(\r\n      \"Debt\",\r\n      width - 90,\r\n      37\r\n    );\r\n\r\n  }\r\n\r\n\r\n  \/* ==========================================\r\n     MAIN CALCULATION\r\n  ========================================== *\/\r\n\r\n  function calculate() {\r\n\r\n    var debt =\r\n      num(\"dvs-debt\");\r\n\r\n\r\n    var debtRate =\r\n      num(\"dvs-rate\");\r\n\r\n\r\n    var debtPayment =\r\n      num(\"dvs-payment\");\r\n\r\n\r\n    var extra =\r\n      num(\"dvs-extra\");\r\n\r\n\r\n    var superReturn =\r\n      num(\"dvs-super-return\");\r\n\r\n\r\n    var fee =\r\n      num(\"dvs-fee\");\r\n\r\n\r\n    var tax =\r\n      num(\"dvs-tax\");\r\n\r\n\r\n    var years =\r\n      num(\"dvs-years\");\r\n\r\n\r\n    var error =\r\n      document.getElementById(\r\n        \"dvs-error\"\r\n      );\r\n\r\n\r\n    error.style.display =\r\n      \"none\";\r\n\r\n\r\n    if (\r\n      debt < 0 ||\r\n      extra < 0\r\n    ) {\r\n\r\n      error.textContent =\r\n        \"Please enter valid amounts.\";\r\n\r\n      error.style.display =\r\n        \"block\";\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    if (\r\n      years <= 0\r\n    ) {\r\n\r\n      error.textContent =\r\n        \"Please enter a valid investment time horizon.\";\r\n\r\n      error.style.display =\r\n        \"block\";\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    \/*\r\n     * Debt strategy:\r\n     *\r\n     * Extra money goes toward debt.\r\n     *\/\r\n\r\n    var debtResult =\r\n      debtPayoff(\r\n        debt,\r\n        debtRate,\r\n        debtPayment + extra\r\n      );\r\n\r\n\r\n    if (\r\n      debt > 0 &&\r\n      debtResult.impossible\r\n    ) {\r\n\r\n      error.textContent =\r\n        \"The current debt payment is too low to reduce the debt at the stated interest rate. Consider increasing the debt payment.\";\r\n\r\n      error.style.display =\r\n        \"block\";\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    \/*\r\n     * Super strategy:\r\n     *\r\n     * Extra money is invested into super.\r\n     *\/\r\n\r\n    var effectiveReturn =\r\n      Math.max(\r\n        0,\r\n        superReturn - fee\r\n      );\r\n\r\n\r\n    \/*\r\n     * Simplified contribution-tax adjustment.\r\n     *\/\r\n\r\n    var netContribution =\r\n      extra *\r\n      (\r\n        1 -\r\n        Math.max(\r\n          0,\r\n          Math.min(\r\n            tax,\r\n            100\r\n          )\r\n        ) \/ 100\r\n      );\r\n\r\n\r\n    var superValue =\r\n      futureSuper(\r\n        netContribution,\r\n        effectiveReturn,\r\n        years\r\n      );\r\n\r\n\r\n    var totalContributions =\r\n      netContribution *\r\n      years *\r\n      12;\r\n\r\n\r\n    var superGrowth =\r\n      Math.max(\r\n        0,\r\n        superValue -\r\n        totalContributions\r\n      );\r\n\r\n\r\n    \/*\r\n     * Debt interest saved\r\n     *\r\n     * Compare normal payment with\r\n     * payment including extra amount.\r\n     *\/\r\n\r\n    var normalDebt =\r\n      debtPayoff(\r\n        debt,\r\n        debtRate,\r\n        debtPayment\r\n      );\r\n\r\n\r\n    var extraDebt =\r\n      debtPayoff(\r\n        debt,\r\n        debtRate,\r\n        debtPayment + extra\r\n      );\r\n\r\n\r\n    var interestSaved = 0;\r\n\r\n\r\n    if (\r\n      normalDebt &&\r\n      !normalDebt.impossible &&\r\n      extraDebt &&\r\n      !extraDebt.impossible\r\n    ) {\r\n\r\n      interestSaved =\r\n        Math.max(\r\n          0,\r\n          normalDebt.interest -\r\n          extraDebt.interest\r\n        );\r\n\r\n    }\r\n\r\n\r\n    \/* RESULT *\/\r\n\r\n    document.getElementById(\r\n      \"dvs-interest-saved\"\r\n    ).textContent =\r\n      money(\r\n        interestSaved\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"dvs-debt-time\"\r\n    ).textContent =\r\n      extraDebt\r\n        ? (\r\n            extraDebt.months +\r\n            \" months\"\r\n          )\r\n        : \"\u2014\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dvs-debt-final\"\r\n    ).textContent =\r\n      \"$0.00\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dvs-super-value\"\r\n    ).textContent =\r\n      money(\r\n        superValue\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"dvs-super-contributions\"\r\n    ).textContent =\r\n      money(\r\n        totalContributions\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"dvs-super-growth\"\r\n    ).textContent =\r\n      money(\r\n        superGrowth\r\n      );\r\n\r\n\r\n    \/*\r\n     * Comparison.\r\n     *\r\n     * We compare the value generated by\r\n     * the two strategies over the chosen\r\n     * time horizon.\r\n     *\r\n     * Debt strategy:\r\n     * once debt is paid, extra money is\r\n     * assumed to be invested at the same\r\n     * effective return.\r\n     *\/\r\n\r\n    var debtPayoffMonths =\r\n      extraDebt\r\n        ? extraDebt.months\r\n        : 0;\r\n\r\n\r\n    var debtStrategyValue = 0;\r\n\r\n\r\n    if (\r\n      debtPayoffMonths <=\r\n      years * 12\r\n    ) {\r\n\r\n      var remainingMonths =\r\n        years * 12 -\r\n        debtPayoffMonths;\r\n\r\n\r\n      debtStrategyValue =\r\n        futureSuper(\r\n          extra,\r\n          effectiveReturn,\r\n          remainingMonths \/ 12\r\n        );\r\n\r\n    }\r\n\r\n\r\n    \/*\r\n     * This simplified comparison treats\r\n     * avoided debt interest as a financial\r\n     * benefit rather than a tradable asset.\r\n     *\/\r\n\r\n    var difference =\r\n      superValue -\r\n      debtStrategyValue;\r\n\r\n\r\n    document.getElementById(\r\n      \"dvs-difference\"\r\n    ).textContent =\r\n      money(\r\n        Math.abs(\r\n          difference\r\n        )\r\n      );\r\n\r\n\r\n    var winner =\r\n      difference > 0\r\n        ? \"The super strategy produces the higher projected investment value under these assumptions.\"\r\n        : difference < 0\r\n          ? \"The debt strategy produces the stronger projected result under these assumptions.\"\r\n          : \"Both strategies produce a similar projected result under these assumptions.\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dvs-winner\"\r\n    ).textContent =\r\n      winner;\r\n\r\n\r\n    \/*\r\n     * SUMMARY\r\n     *\/\r\n\r\n    document.getElementById(\r\n      \"dvs-summary-text\"\r\n    ).textContent =\r\n\r\n      \"With \" +\r\n      money(extra) +\r\n      \" of extra money available each month, the calculator estimates that paying down debt could save approximately \" +\r\n      money(interestSaved) +\r\n      \" in debt interest. Investing the same extra amount into super, after the estimated contribution tax and fees entered above, could grow to approximately \" +\r\n      money(superValue) +\r\n      \" over \" +\r\n      years +\r\n      \" years at an assumed net investment return of \" +\r\n      percent(effectiveReturn) +\r\n      \". These are simplified projections and actual outcomes can vary significantly.\";\r\n\r\n\r\n    \/*\r\n     * BREAK-EVEN\r\n     *\/\r\n\r\n    document.getElementById(\r\n      \"dvs-break-even\"\r\n    ).textContent =\r\n      percent(\r\n        debtRate\r\n      );\r\n\r\n\r\n    \/*\r\n     * LONG-TERM TABLE\r\n     *\/\r\n\r\n    var tableYears = [\r\n      5,\r\n      10,\r\n      15,\r\n      20,\r\n      30\r\n    ];\r\n\r\n\r\n    tableYears.forEach(\r\n      function(y) {\r\n\r\n        var debtElement =\r\n          document.getElementById(\r\n            \"dvs-\" +\r\n            y +\r\n            \"-debt\"\r\n          );\r\n\r\n\r\n        var superElement =\r\n          document.getElementById(\r\n            \"dvs-\" +\r\n            y +\r\n            \"-super\"\r\n          );\r\n\r\n\r\n        var diffElement =\r\n          document.getElementById(\r\n            \"dvs-\" +\r\n            y +\r\n            \"-diff\"\r\n          );\r\n\r\n\r\n        var superProjectionValue =\r\n          futureSuper(\r\n            netContribution,\r\n            effectiveReturn,\r\n            y\r\n          );\r\n\r\n\r\n        \/*\r\n         * Estimate remaining debt after\r\n         * extra payments.\r\n         *\/\r\n\r\n        var debtProjection =\r\n          debtPayoff(\r\n            debt,\r\n            debtRate,\r\n            debtPayment + extra\r\n          );\r\n\r\n\r\n        var remainingDebt = 0;\r\n\r\n\r\n        if (\r\n          debtProjection &&\r\n          !debtProjection.impossible\r\n        ) {\r\n\r\n          if (\r\n            debtProjection.months >\r\n            y * 12\r\n          ) {\r\n\r\n            var temp =\r\n              debt;\r\n\r\n            var monthlyDebtRate =\r\n              debtRate \/\r\n              100 \/\r\n              12;\r\n\r\n\r\n            for (\r\n              var m = 0;\r\n              m < y * 12;\r\n              m++\r\n            ) {\r\n\r\n              var interest =\r\n                temp *\r\n                monthlyDebtRate;\r\n\r\n\r\n              var principal =\r\n                Math.max(\r\n                  0,\r\n                  debtPayment +\r\n                  extra -\r\n                  interest\r\n                );\r\n\r\n\r\n              temp =\r\n                Math.max(\r\n                  0,\r\n                  temp -\r\n                  principal\r\n                );\r\n\r\n            }\r\n\r\n\r\n            remainingDebt =\r\n              temp;\r\n\r\n          }\r\n\r\n        }\r\n\r\n\r\n        \/*\r\n         * Display the financial value\r\n         * remaining in each strategy.\r\n         *\/\r\n\r\n        var debtValue =\r\n          Math.max(\r\n            0,\r\n            debt -\r\n            remainingDebt\r\n          );\r\n\r\n\r\n        debtElement.textContent =\r\n          money(\r\n            debtValue\r\n          );\r\n\r\n\r\n        superElement.textContent =\r\n          money(\r\n            superProjectionValue\r\n          );\r\n\r\n\r\n        diffElement.textContent =\r\n          money(\r\n            Math.abs(\r\n              superProjectionValue -\r\n              debtValue\r\n            )\r\n          );\r\n\r\n      }\r\n    );\r\n\r\n\r\n    \/*\r\n     * CHART\r\n     *\/\r\n\r\n    drawChart(\r\n      debt,\r\n      extra,\r\n      debtRate,\r\n      superReturn,\r\n      Math.min(\r\n        years,\r\n        30\r\n      ),\r\n      fee\r\n    );\r\n\r\n  }\r\n\r\n\r\n  \/* ==========================================\r\n     RESET\r\n  ========================================== *\/\r\n\r\n  function reset() {\r\n\r\n    document.getElementById(\r\n      \"dvs-debt\"\r\n    ).value =\r\n      \"30000\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dvs-rate\"\r\n    ).value =\r\n      \"7\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dvs-payment\"\r\n    ).value =\r\n      \"600\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dvs-extra\"\r\n    ).value =\r\n      \"500\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dvs-super-return\"\r\n    ).value =\r\n      \"7\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dvs-fee\"\r\n    ).value =\r\n      \"0.5\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dvs-tax\"\r\n    ).value =\r\n      \"15\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dvs-years\"\r\n    ).value =\r\n      \"20\";\r\n\r\n\r\n    calculate();\r\n\r\n  }\r\n\r\n\r\n  \/* ==========================================\r\n     EVENTS\r\n  ========================================== *\/\r\n\r\n  document.getElementById(\r\n    \"dvs-calculate\"\r\n  ).addEventListener(\r\n    \"click\",\r\n    calculate\r\n  );\r\n\r\n\r\n  document.getElementById(\r\n    \"dvs-reset\"\r\n  ).addEventListener(\r\n    \"click\",\r\n    reset\r\n  );\r\n\r\n\r\n  var inputs =\r\n    document.querySelectorAll(\r\n      \"#dvs-super-australia input\"\r\n    );\r\n\r\n\r\n  inputs.forEach(\r\n    function(input) {\r\n\r\n      input.addEventListener(\r\n        \"keydown\",\r\n        function(event) {\r\n\r\n          if (\r\n            event.key === \"Enter\"\r\n          ) {\r\n\r\n            calculate();\r\n\r\n          }\r\n\r\n        }\r\n      );\r\n\r\n    }\r\n  );\r\n\r\n\r\n  \/* INITIAL CALCULATION *\/\r\n\r\n  calculate();\r\n\r\n\r\n  \/* RESIZE *\/\r\n\r\n  window.addEventListener(\r\n    \"resize\",\r\n    function() {\r\n\r\n      calculate();\r\n\r\n    }\r\n  );\r\n\r\n})();\r\n\r\n<\/script>\n<p style=\"text-align: justify;\"><strong data-start=\"4\" data-end=\"42\">Debt vs Super Calculator Australia<\/strong> is a free online tool that helps Australians compare two ways of using extra money: paying down existing debt or contributing additional money to superannuation. Enter your current debt balance, interest rate, monthly repayment, extra money available each month, expected super investment return, estimated fees, contribution tax and investment timeframe. The calculator estimates how much interest you could save by making additional debt repayments and compares this with the potential future value of investing the same amount into super. It also shows projected outcomes over 5, 10, 15, 20 and 30 years, an estimated break-even return, and a visual comparison of the two strategies. This tool can help you understand the potential long-term trade-off between reducing debt and building retirement savings. Investment returns are not guaranteed, and actual results may vary because of taxes, fees, market performance, loan conditions and superannuation rules. The calculator is for educational purposes only and does not provide personal financial advice.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Debt vs Super Calculator Australia is a free online tool that helps Australians compare two ways of using extra money: [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_theme","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[83],"tags":[],"class_list":["post-738","post","type-post","status-publish","format-standard","hentry","category-calculator"],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"StockMaster Universe","author_link":"https:\/\/www.stockmaster.in\/universe\/author\/unistockadmin\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/www.stockmaster.in\/universe\/category\/debt-personal-finance\/calculator\/\" rel=\"category tag\">Calculator<\/a>","rttpg_excerpt":"Debt vs Super Calculator Australia is a free online tool that helps Australians compare two ways of using extra money: [&hellip;]","_links":{"self":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/posts\/738","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/comments?post=738"}],"version-history":[{"count":0,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/posts\/738\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/media?parent=738"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/categories?post=738"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/tags?post=738"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}