"Hi Product Hunt! 👋 I'm Saad, the maker of the Risk Adjusted Future Cashflow Model. As an Australian investor, I noticed people constantly struggle to decide where to park their money. Standard calculators don't help you compare fundamentally different assets—like keeping cash in an offset account versus investing in ETFs or physical gold. I built this educational tool to solve that exact problem. With this model, you can: **Compare 4 asset classes**: Evaluate Offset Accounts, ETFs, Physical Gold, and Term Deposits side-by-side. ** Factor in the capital gains tax new rules **: See exactly how the upcoming legislative changes to CGT and inflation indexation will impact your bottom line. ** Input dynamic economic variables: ** Adjust interest rates, growth rates, and other metrics to see the immediate visual effect on your portfolio. ** Analyze realistic cash flows: ** Don't just look at best-case scenarios. See how future cash flows actually hold up when adjusted for illustrative risk and after-tax assumptions. ** Find your pivot moment: ** Visually identify the exact 'breakeven point' where it makes mathematical sense to switch capital to another asset class. The core calculator is free to use, and there is a $10 advanced version for power users who want deeper modeling. I’d love for you to run your own scenarios and let me know what features you'd like to see added next. I'll be hanging out in the comments all day to answer questions!"

Risk Adjusted Future Cashflow Model

Compare 4 asset cash flows using dynamic economic inputs

Compare 4 asset cash flows using dynamic economic inputs