Scenario detail — per-FY operational cash flow, P&L and tax (FY27–FY36)
Personal Income Tax — two-person (JJ / Elsabe) per-FY, driven by the active scenario
Salary, the loan-interest income split and the mortgage-interest deduction split (with the offset between them), trust distributions (100% to JJ) and their taxability — per FY for the active scenario. After-tax cash flows to the mortgage paydown.
Mortgage Calculator
Standalone calculator. Changes here don't affect the Minilya scenarios.
Loan details
Summary
Amortisation chart
Year-by-year schedule (with extras applied)
Tax Calculator Two-income (other + trust) · franking-credit · multi-year brackets
Two-income personal tax: other income is fully taxable; trust income is grossed-up and the trust withholding is applied as a franking credit (top-up tax only when marginal rate > the withholding rate). Bracket tables, Medicare-levy and trust-withholding settings are editable in Admin.