DISCLAIMER


Income Tax Calculator

The information returned on this web site in response to your query are only intended to give you a general overview, and in no way constitute advice. The actual tax payable by you or deduction available to you (if any) will depend on your personal circumstances and, as such, you are responsible for ensuring by independent verification its accuracy or completeness. You should seek professional tax advice, from a qualified person.

The calculations provided on this web site are calculated based upon the official tax rates current at February 2009 and use the assumptions that users will earn the same income until retirement (males 65, females 64). Use of the rate and tax calculator is at your sole risk.
 
Premium Finance Services Pty Ltd, its agents, officers and employees make no representations, express or implied, as to the accuracy of the rate and tax calculator and its applicability and suitability to your particular circumstances.

 

 Wealth Creation Calculator

Disclaimer - Terms and Conditions of use of the Premium Finance Services Property Calculator at www.premiumfinance.com.au

Guide only
Premium Finance Services ("PFS") aims to help you to make better-informed decisions about how best to manage your finances and to plan for your future. PFS’s website and property calculator should not be your only source of information when you are making financial decisions and should be treated as a guide only. Use it as a starting point and then seek professional advice.


Not financial advice
The calculator is not intended to be relied upon for the purposes of making a decision in relation to a property investment. The results generated by you when you use the calculator should not be taken to be financial advice. You should consider seeking advice from a financial adviser before making any investment decision. The figures are based on assumptions and are general illustrations only. They are not intended to be a substitute for professional financial advice. For example, no allowance has been made for taxes or fees and the calculator does not take into account all relevant details about individual properties in particular suburbs.


Assumptions
The assumptions made by the calculator, and their limitations, are explained below. We believe the assumptions (other than the ones you input) are reasonable overall. A complex range of circumstances can impact on the calculations and it is necessary to take these into account to some extent. Given the calculator’s purpose is to generate general illustrations and not accurate predictions, we think it is reasonable for the calculator to simplify reality. As these assumptions will be the same for any calculation, when you change a variable the result will be a reasonable illustration of the impact of that particular variable change. The property value assumptions are based on recent property data.

The key assumption made is that previously returns will be repeated in the future. This may not be the case. The actual rate of return may differ from this assumption. The calculator is used to illustrate the broad impact of consumer choices (for example, choices about whether investment is made in property) and should not be relied upon to make accurate predictions of your investment position and future returns. This calculator does not, for example, take into account the impact of fees and charges or inflation. The results which you generate when using the calculator are dependent on the variables you input and the assumptions made by the calculator. As the variables and assumptions are unlikely to match your situation precisely, the results will not be accurate predictions of your personal future circumstances.


Investment calculator: General comments
When using the investment calculator, you can select the State where the potential investment is located, the suburb, whether it is a house or a unit and the year in which you considered purchasing it from the drop down box. The return which the calculator shows does not take into account a number of factors which will determine net profit, including tax, holding costs, administrative costs and interest.
In reality, it is not possible to predict the rate of investment returns in advance and the actual rate of return on any property investment will fluctuate from year to year instead of being constant from now until your retirement (for example). Small differences in the rate of returns can have a significant impact on your end retirement position.


No suitability determination has been made; not all risks disclosed; consult private advisors
No information contained on PFS’s website (including the investment calculator) constitutes a representation that any services described herein are suitable or appropriate for the user. Many of the services described herein involve significant risks, and the user should not enter into any transactions unless the user has fully understood all such risks and has independently determined that such transactions are appropriate for the user. The user should not construe any of the material contained herein as business, financial, investment, legal, tax or accounting advice, and the user should not act on any information in this service without consulting its independent business advisor, lawyer, and tax and accounting advisors concerning any contemplated transactions.


Information descriptive only
We’ve made every effort to ensure that our information is reliable and accurate. However, neither PFS nor any of its employees make any express or implied representations or warranties regarding the material contained or referred to in this site, nor do we accept any liability for any loss or damage whatsoever which may arise in any way out of the use of any of the material; for errors in or omissions from the material; or for the accuracy of any information obtained through use of this site. Any values shown are provided for information purposes only and are not guaranteed for accuracy.


Content not to be construed as a solicitation or recommendation; no responsibility to update
This material is for the private information of the user, and PFS is not soliciting any action based upon it. This material is not to be construed as a recommendation or the solicitation of services. Although this material is based upon information that PFS considers reliable and endeavors to keep current, PFS does not represent that this material is accurate, current or complete, and it should not be relied upon as such.

PFS and its related companies specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with the access to or use of this calculator. Other than is required under consumer protection law, under no circumstances will PFS and its related companies be liable for any loss or damage caused by a user’s reliance on information obtained by using this calculator.

Today’s dollars
The results displayed by this calculator are in today’s dollars and not in future dollars.