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Lifecycle Income Support · Guided quiz

Your personal report

Audience lens
Landowner / borrower
Generated
7/13/2026, 2:16:07 PM
File name
lifecycle-income-report.pdf

Key headline numbers

Loan — final balance

$2,167,524

Loan — total interest

$1,867,524

Support — total paid

$0

Support — peak monthly

$0

Pension — monthly at 67 (CPI)

$2,587

Pension — lifetime capitalised

$1,580,870

Super — recommended trailing rate

4.48%

Super — owner equity ceiling

75%

Contents

  1. About you
  2. Land & loan
  3. Income support
  4. Family stream
  5. Age pension
  6. Super stability
  7. Summary

Numbers in this report are projections from a simplified model and are not financial advice.

Start

About you

Choose the lens — every following question stays the same, but the language adapts.

Your current age
Anchors every projection — loan amortisation, support pool timing, and the years until age 67 when the pension starts.
18 years80 years

Question

Land & loan

The land underwrites everything — its value, growth, and the loan against it.

Land value
Today's market value of the land used as collateral. Sets the starting owner equity and the upper bound the loan can be drawn against.
$100,000$5,000,000
Land growth (p.a.)
Assumed annual capital growth of the land. Compounds each month and lifts owner equity over the loan term.
1.00%12.00%
Loan amount
Principal drawn against the land at day one. Drives the amortisation schedule, total interest, and owner equity trajectory.
$0$600,000
Interest rate
Nominal annual rate applied monthly. A higher rate raises repayments and total interest, and shrinks owner equity at term end.
1.00%15.00%
Loan term
Years over which the loan amortises. Longer terms lower the monthly payment but raise lifetime interest.
5 years40 years

Question

Income support

The bell curve releases a monthly allowance, peaking around your peak-earning age.

Peak income age
Centre of the bell curve — the year your monthly allowance peaks. Earlier peaks shift more support into the early years.
30 years70 years
Monthly cap (% of pool)
Caps any single month's draw to this share of the remaining support pool. Smooths the curve and protects the tail.
0.10%2.00%
Maximum monthly support
Hard ceiling on the monthly allowance regardless of pool size — protects against over-drawing at the peak.
$500$6,000
Hourly income equivalent
Reference hourly rate used to express the allowance in 'hours of equivalent income' on the support tab.
$20/hr$150/hr

Question

Family stream

Optional: redirect part of the allowance to a close relative under safeguards.

Question

Age pension

CPI indexation and the Centrelink income test shape what arrives at age 67.

Today's age pension (monthly)
Current full single-rate age pension in today's dollars. Indexed forward by CPI to the year you turn 67.
$0$3,500
CPI rate
Assumed annual inflation. Used to index the pension and (when capped) the income-test thresholds.
0.00%8.00%

Question

Super stability

The trailing rate that keeps your owner equity above a chosen floor at the end of the term.

Bank equity ceiling

Owner retains at least the remainder at term end

Maximum share of the property the bank can hold at the end of the term. The trailing super contribution is sized so owner equity never falls below 1 − this ceiling.
50%100%

Result

Your headline numbers

Every equation, one glance. Open the matching calculator tab for the full picture.

Loan amortisation

Open loan tab →
Final balance$2,167,524
Total interest$1,867,524
Final land value$1,988,099
Owner equity at term end-9.0%

Income support

Open support tab →
Total paid over life$0
Peak monthly allowance$0
Interest accrued$0

Age pension projection

Open support tab →
Monthly at age 67 (CPI)$2,587
Years receiving33.0
Lifetime capitalised$1,580,870
Present value (today)$1,038,940

Super stability

Open stability tab →
Recommended trailing rate5.16%Midpoint of growth & zero-equity rate
Recommended (ceiling 75%)4.48%Sheet blend 0.2078
Zero owner-equity rate6.32%
Differential2.32%Half: 1.16%

What now?

These numbers come from the same equations as the main calculator — open any tab from the link below to tune assumptions, view month-by-month schedules, and explore the eligibility rules.

Open full calculator →