Margin Loan Calculator

Use this calculator to test the potential effect of using a margin loan and regular gearing to increase your investment returns. Please note that margin lending may also magnify any losses.

Vary your investment scenario by dragging the squares on the bars below the graph.

Check the table below the calculator for an explanation of each scenario variable.


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Portfolio Value Loan Value Net Value

Vary your calculation

Change the variables in your investment scenario.

Period Length of time you will hold your investment
Initial Deposit Deposit you make to start your investment
Regular Deposit Amount you add to your investment each month
Annual Growth Growth you believe you can obtain from your investment
Annual Income Return on investment that you believe you can average each year
Gearing Lending ratio that you would try to maintain over the life of the investment


  1. The outcomes generated by this device:

    1. do not constitute  financial, tax and legal advice in relation to entering into, or the suitability of, any margin lending facility;

    2. are of a generic nature only and are intended for use by you as a guide only;

    3. have been provided without taking into account your objectives, financial situation or needs;

    4. do not take into account your credit limit or, unless otherwise specified, any other limits that might be applied to any borrowing by you; and

    5. unless otherwise specified, do not represent any particular margin lending product available in the market.

    We recommend that you obtain professional financial advice before making any financial decisions based on this information.

  2. You acknowledge that using a margin lending facility multiplies the effect of both rising and falling values. In a falling market, losses on an investment acquired through margin lending are greater.

  3. Any changes to the device’s variables will result in different outcomes. Results are based on the accuracy of information inputted. The range of any variable is designed to accommodate the widest reasonable number of scenarios. To determine outcomes outside these limitations, we recommend that you obtain professional financial advice.

  4. Neither the provider of this device nor any of its related entities, employees or directors accepts any responsibility for any losses arising from the use of or reliance upon any outcomes or conclusions reached by you in using this device.

  5. Outcomes do not take into account any fees, charges or loan interest costs, nor allow for any taxes or other government charges that may become payable. You should make your own enquiries in relation to any such costs stemming from any particular margin lending product and consider how these will impact the projected investment value.