Australian Finance
Made Simple
Free calculators for property, tax, super, savings, and more. Built for Australians.
Free Finance Calculators
Stamp duty, mortgage, tax, super, budgets, and more — built for Australians.
Most Popular
Stamp Duty Calculator
Calculate stamp duty for every Australian state and territory. Includes first home buyer concessions.
Mortgage Repayment Calculator
Calculate mortgage repayments for any loan amount, interest rate, and term. See how extra repayments save you years and thousands.
Take Home Pay Calculator
Calculate your after-tax take home pay including Medicare levy and HECS repayments.
Income Tax Calculator
Calculate your Australian income tax for 2025-26 including Medicare levy and HECS repayments.
Superannuation Calculator
Calculate employer super contributions based on current SG rates and the maximum contribution base.
Budget Planner
Plan your budget using the 50/30/20 rule based on your take-home pay.
Borrowing Power Calculator
Find out how much you can borrow for a home loan based on your income, expenses, and debts.
First Home Buyer Grant Checker
Check your first home buyer grant and stamp duty exemption by state. See FHOG amounts and total savings.
LMI Calculator
Estimate Lenders Mortgage Insurance cost based on property value and deposit size.
Buying vs Renting Calculator
Compare buying vs renting over any time period. See total costs, equity growth, and the breakeven point.
Offset Account Calculator
Calculate how much interest your offset account saves on your home loan over the loan term.
Rental Yield Calculator
Calculate gross and net rental yield on any investment property including expenses and vacancy.
Negative Gearing Calculator
Calculate negative gearing tax benefits on an investment property at your marginal tax rate.
Capital Gains Tax Calculator
Calculate CGT on investment property sales including the 50% discount for assets held over 12 months.
Rent Affordability Calculator
Find out how much rent you can afford based on your salary using the 30% rule.
Pay Calculator
Calculate your take-home pay after tax, Medicare levy, HECS and super. Instant result for any salary.
HECS/HELP Repayment Calculator
Calculate your HECS-HELP repayment amount based on your income. See repayment rates and thresholds.
Medicare Levy Calculator
Calculate your Medicare levy and surcharge based on income, dependents and private health status.
Salary to Hourly Rate Converter
Convert between annual salary, monthly, fortnightly, weekly, and hourly pay rates.
GST Calculator
Add or remove 10% GST instantly. Calculate GST-inclusive and GST-exclusive amounts.
Redundancy Pay Tax Calculator
Calculate your redundancy payout after tax, including the tax-free component and ETP treatment.
Retirement Calculator
Calculate how much super you'll have at retirement and if it's enough for a comfortable lifestyle.
Salary Sacrifice Super Calculator
Calculate the tax savings from salary sacrificing into superannuation.
Division 293 Tax Calculator
Calculate the extra 15% super tax for high earners with income plus contributions above $250,000.
Super Co-Contribution Calculator
Calculate the government co-contribution for your super. Earn under $60,400? Get up to $500 free.
Cost of Living Calculator
Compare the cost of living across Australian cities against your salary.
Compound Interest Calculator
Calculate compound interest on savings or investments. See how your money grows over time with regular contributions and different compounding frequencies.
Savings Goal Calculator
Calculate how much to save each month to reach your goal, or how long it will take with a fixed savings amount.
Emergency Fund Calculator
Calculate your ideal emergency fund based on monthly expenses. See your target, current shortfall, and a savings plan to get there.
Personal Loan Calculator
Calculate personal loan repayments for any amount, rate, and term. Compare how different interest rates affect your total cost.
Credit Card Payoff Calculator
See how long to pay off your credit card and how much interest you'll pay. Compare minimum vs fixed payments and see how extra payments save thousands.
Debt Consolidation Calculator
Compare your current debts against a single consolidated loan. See monthly savings, total interest saved, and whether consolidation makes sense.
Youth Allowance Calculator
Calculate your Youth Allowance payment based on age, living situation, and income.
JobSeeker Payment Calculator
Calculate your Centrelink JobSeeker Payment based on age, relationship status, and income.
Latest from the Blog
Plain-English articles on Australian personal finance — updated for 2025-26.
Stamp Duty in Australia: A Complete Guide for 2025-26
Everything you need to know about stamp duty (transfer duty) across every state and territory, including first home buyer exemptions and concessions.
15 July 2025
Superannuation Rate 2025-26: What the 12% SG Means for You
The super guarantee rate is now 12%. Here is how it affects your pay, your employer contributions, and your retirement savings.
10 July 2025
Australian Tax Brackets 2025-26: How Much Tax Will You Pay?
A plain-English breakdown of the 2025-26 income tax brackets, including the Stage 3 tax cuts, Medicare levy, and HECS repayment thresholds.
8 July 2025
ATO Compliant
All tax calculations use current ATO rates and thresholds for 2025-26.
Always Current
Rates updated when the ATO, RBA, or state governments make changes.
Private & Secure
All calculations run in your browser. No data is stored or sent to any server.
Frequently Asked Questions
How much stamp duty will I pay in Australia?
Stamp duty (transfer duty) varies by state and territory, property value, and whether you are a first home buyer. Use our stamp duty calculator to get an estimate for your state.
What are the current Australian tax brackets?
For 2025-26, Australian resident tax rates are: 0% up to $18,200, 16% from $18,201-$45,000, 30% from $45,001-$135,000, 37% from $135,001-$190,000, and 45% over $190,000.
What is the superannuation rate in Australia?
The Superannuation Guarantee (SG) rate is 12% of ordinary time earnings for 2025-26. Employers must contribute this to your nominated super fund.
How much can I borrow for a mortgage?
Borrowing capacity depends on your income, expenses, existing debts, interest rates, and the lender's assessment criteria. Use our mortgage calculator to estimate your repayments.
What government grants are available for first home buyers?
First home buyers may be eligible for the First Home Owner Grant (FHOG), stamp duty concessions or exemptions, and the Home Guarantee Scheme (low deposit, no LMI). Eligibility varies by state.