Heads-up: since 10 August 2026, a new SMSF borrowing (LRBA) over real property generally requires that property to be business real property — residential no longer qualifies. LRBAs entered into before that date, and refinancings of them, are grandfathered. This scenario models the strategy as if a loan were available — treat it as analysis of an existing arrangement, or as a commercial-property proxy.
Stay in super
$0
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$0
SMSF + property
$0
Projected balance to retirement
Stay in super
SMSF: cash + property equity
SMSF cash pool
Both scenarios stop contributions when each person reaches their retirement age and are compared in the year the last person retires. Super earnings are modelled net of taxes and fees; SMSF property income is taxed at 15% with negative results credited against contributions tax. Concessional contributions are capped per person (indexed with wages). Ignores Division 293, carry-forward cap space, insurance inside super and transfer balance caps. General information only — not financial, tax or SMSF advice. It does not take into account your objectives, financial situation or needs; consider advice from a licensed financial adviser before acting.
Loan balance, property value & equity over the loan life
Property value
Equity
Loan balance
Projected value & equity milestones
Annual cash flow (year 1)
Cash required vs available super
Year-by-year amortisation
Model assumptions: principal-and-interest loan, constant rate, rent and property costs grow at the rental growth rate, annual SMSF cash surplus applied as a lump-sum extra repayment at year end. Contributions capped at the FY2026-27 concessional cap of $32,500 per member. A modelling tool, not personal financial, tax or SMSF advice — it does not take into account your objectives, financial situation or needs.
Best equity builder over 30 years
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Equity at year 30
$0
Best year-1 cash flow
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Equity over 30 years
Head-to-head best value per row in bold
Each property is modelled standalone inside the fund with the shared contribution and cost settings: principal-and-interest loan, annual cash surplus swept in as extra repayments, rent and running costs growing at the rental growth rate. Equity = projected value − loan balance. A modelling tool, not personal financial, tax or SMSF advice — it does not take into account your objectives, financial situation or needs.