Stock Evaluator
Score any ASX or US stock against Warren Buffett, Ray Dalio, and Benjamin Graham frameworks using live Yahoo Finance data. Get a pass/fail scorecard and buy, hold, or sell verdict in seconds.
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Discounted Cash Flow Calculator
Estimate any stock's intrinsic value with Discounted Cash Flow analysis. See Bear, Base, and Bull scenarios, margin of safety, and expected returns — with automatic Dividend Discount Model for banks and insurers, and market-specific discount rates for US, ASX, and Indian shares.
Budget Planner
Build a detailed monthly budget across income, fixed expenses, groceries, housing costs, and investment contributions. See your savings rate and exactly where your money is going.
Debt Recycling / Investment Property Calculator
Model whether converting your home loan to tax-deductible investment debt is right for you. Compare wealth outcomes over 30 years with and without debt recycling, including negative gearing and CGT.
✓ 2026–27 Federal Budget Ready
Portfolio Health Check
Analyse your share portfolio for sector, geographic, and stock concentration risk. Get red/amber/green flags and a diversification score for any mix of ASX and international holdings.
FIRE Calculator
Calculate your Financial Independence number, how many years until you can retire early, and your Coast FIRE target — the amount you need today to stop contributing and still retire on time.
✓ 2026–27 Federal Budget Ready
Mortgage Calculator
Calculate your Australian mortgage repayments, total interest paid, and loan term. Model the impact of an offset account, lump-sum payments, or extra monthly contributions.
Salary Sacrifice Calculator
Compare salary sacrificing into super versus investing in ETFs or keeping money in your mortgage offset — with full Australian tax modelling including Division 293, Division 296, and 2026–27 income tax brackets.
✓ 2026–27 Federal Budget Ready
Rent vs Buy vs Rent-vest
Compare renting, buying, and rentvesting side-by-side and see which builds the most wealth over 5–30 years. Includes stamp duty, CGT, rental yield, and opportunity cost for your Australian state.
✓ 2026–27 Federal Budget Ready
Life Buyback Calculator
See what everyday spending costs in retirement time. Skip a $20/day habit and buy back months of your life.
2026-27 Budget Impact
See how the Federal Budget's CGT and negative gearing changes affect your ETF and property investment returns.
From the blog
Most Undervalued ASX 300 Stocks: How the Screen Works · 2 Jun 2026 · 5 min →About KashVector
KashVector is a free suite of financial calculators built for everyday Australians. There are no sign-ups, no subscriptions, and no ads — just honest tools that help you run the numbers on the big decisions: buying a home, retiring early, investing in shares, managing your budget, or recycling debt.
Every calculator runs entirely in your browser. No data is sent to any server (except ticker lookups in the Stock Evaluator, which go through a secure Cloudflare proxy). Your financial information never leaves your device.
All tools are built with Australian tax rules, super, and property markets in mind — including Division 293, CGT discounts, negative gearing, and state-by-state stamp duty.
Frequently asked questions
Are these calculators free?+
Yes — completely free, forever. No sign-up, no trial period, no premium tier. KashVector is a personal project with no monetisation.
Do you store my data?+
No. All calculations happen in your browser. Your inputs are saved locally in your browser's localStorage so you don't lose them on refresh — but nothing is sent to any server or database.
Are these tools specific to Australia?+
Most tools are built with Australia in mind — they use Australian tax brackets, superannuation rules, CGT discounts, and state-based stamp duty rates. The FIRE Calculator and Stock Evaluator work globally, but the mortgage, debt recycling, salary sacrifice, and rent vs buy calculators are Australian-specific.
Is this financial advice?+
No. KashVector tools are for educational and informational purposes only. They are not a substitute for advice from a licensed financial adviser, accountant, or mortgage broker who can assess your full situation.
What is a FIRE number and how is it calculated?+
Your FIRE number is the investment portfolio size at which you can retire and live off returns indefinitely. It is calculated by multiplying your annual expenses by 25 — equivalent to the 4% safe withdrawal rate. If you spend $60,000 per year, your FIRE number is $1,500,000. Use the FIRE Calculator to find your number and see exactly how long it will take at your current savings rate.
What is debt recycling in Australia?+
Debt recycling converts your non-deductible home loan into tax-deductible investment debt. You redraw equity from your home to invest in income-producing assets like shares or ETFs. The investment income and tax deductions are then used to pay down the home loan faster — accelerating both mortgage repayment and wealth accumulation. It involves risk and is best modelled carefully before starting.
How does salary sacrifice into super save tax?+
Salary sacrifice redirects pre-tax income into your super fund, where it is taxed at 15% instead of your marginal income tax rate (up to 47%). The higher your income, the larger the tax saving. For high earners, Division 293 tax applies — reducing (but not eliminating) the benefit. The concessional cap is $30,000 per year including employer contributions. The Salary Sacrifice Calculator shows your exact after-tax benefit compared to investing outside super.
Should I rent, buy, or rentvest in Australia?+
It depends on your income, savings, local prices, and how long you plan to stay. Buying builds equity but costs stamp duty and ties up capital. Renting keeps you flexible. Rentvesting — renting where you want to live and buying an investment property elsewhere — can offer tax benefits and capital growth without the lifestyle trade-off. The Rent vs Buy vs Rentvest Calculator lets you model all three side-by-side with Australian stamp duty and CGT rates.
Which calculators are updated for the 2026–27 Federal Budget?+
Four tools are updated for the 2026–27 budget and associated legislation: the 2026–27 Budget Impact Calculator (models the new CGT and negative gearing rules directly), the Debt Recycling Calculator (updated for the negative gearing restriction and CGT indexation), the Rent vs Buy vs Rent-vest Calculator (models new tax brackets, the NG restriction, and pre/post-budget CGT paths), and the Salary Sacrifice Calculator (updated for the 2026–27 income tax brackets and Division 296 earnings tax on super balances above $3M). These are marked ✓ 2026–27 Federal Budget Ready on this page.
How does the 2026–27 budget change capital gains tax in Australia?+
For assets acquired after 12 May 2026, the 50% CGT discount is replaced from 1 July 2027 by inflation indexation of the cost base plus a 30% minimum tax rate. Assets bought before 12 May 2026 are grandfathered — gains up to 1 July 2027 still get the 50% discount, and only gains after that date use the new indexation method (a "split gain"). Use the Budget Impact Calculator to compare the two regimes for your situation.
How does the 2026–27 budget change negative gearing?+
From 1 July 2027, negative gearing deductions on established investment properties purchased after 12 May 2026 are capped at rental income — losses can no longer offset salary. They carry forward to reduce future rental income or the capital gain on sale. New builds remain fully deductible. Properties purchased before 12 May 2026 are grandfathered and unaffected. The Rent vs Buy calculator and Debt Recycling calculator both model this restriction.
