Junior Investor Calculator

See what regular contributions to a child's investment account could grow to by age 18, and get an estimate of the tax payable along the way under ATO rules for minors.

Contribution amount

Frequency

Starting amount (optional)

Assumed annual return7%

7% is a long-term average assumption for a diversified portfolio, not a guarantee.

Balance at 18 (after tax)

$18,025

Total contributed

$10,800

Investment growth (before tax)

$10,050

Estimated tax paid (0–18)

$2,825

Balance from age 0 to 18

A few things to know

This assumes the account is held in the child's name (or a bare trust for the child), which is what triggers the minor tax rates used here. If the account is held in a parent's own name instead, none of this special tax treatment applies and the earnings are simply taxed as part of the parent's income.
This is a projection based on a flat assumed 7% annual return. Real investment returns vary year to year and are never guaranteed.
This tool does not model franking credits, capital gains discounts, or fees, all of which can change the actual tax outcome.
The ATO minor tax thresholds ($416 / $1,307) are not indexed and can change. Check current rates at ato.gov.au before relying on this figure.
This is general information, not personal financial or tax advice. A tax agent or accountant can help work out the right structure for your situation.
Not financial advice.