Debt Recycling Calculator

Debt recycling sounds like a financial gimmick—until someone breaks it down properly. That’s what we’ve done here. The calculator shows if swapping non-deductible debt (like a mortgage) for deductible investment debt could make sense in your situation. No judgment.

Dialogue Financial clients use this to frame smarter debt management conversations. You input your figures, tolerance, and term. Then you get a model that may or may not suggest a better use for your money. You don’t need to know all the theory. That’s our job. This tool just shows whether that idea your mate mentioned might actually be worth a second look.