Free Australian Calculators & Tools
Free finance calculators for stamp duty, mortgage, tax, super, and more.
Most Popular
Money Check — How Am I Doing Financially?
Get a full financial health check — tax, property, super, savings, and debt in one place.
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.
Tax Calculator 2026-27
Calculate your 2026-27 income tax with the new 15% bracket, $1,000 standard deduction, and compare against 2025-26 rates.
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.
Novated Lease Calculator
Calculate novated lease savings including FBT, GST, and income tax benefits. Compare EV vs petrol with 2025-26 rates.
FIRE Calculator
Calculate your FIRE number, years to financial independence, and bridge amount. Models super preservation age, Coast FIRE, and Barista FIRE.
Extra Repayment Calculator
See how extra mortgage repayments save you years and thousands in interest. Compare $100, $200, $500 extra scenarios.
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Am I Rich or Poor? Income Percentile Ranking
Enter your salary and instantly see where you rank among Australians. Find your income percentile and compare across cities.
Am I Saving Enough? Savings by Age Comparison
Enter your age and savings to see how you compare to the average Australian. Get a verdict, milestone targets, and a catch-up plan.
Can I Afford a House? Home Affordability Check
Enter your salary, savings and city to find out if you can afford to buy a house. See deposit scenarios, repayments and first home buyer grants.
Will I Ever Pay Off My Debt? Payoff Calculator
Enter your debt, interest rate and monthly payment to see when you'll be debt free. Compare extra payment scenarios and find the fastest path to $0.
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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.
Buy a House or Invest Calculator
Should you buy property or invest in shares, ETFs, gold, or crypto? Compare net wealth over any time horizon with editable assumptions.
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.
Debt Recycling Calculator
Calculate your wealth gain from debt recycling. See tax deductions, portfolio growth, and the wealth gap vs standard mortgage repayments.
RBA Cash Rate — Current Rate, History & Mortgage Impact
Current RBA cash rate, full history of changes, next RBA Board meeting date, and a calculator showing what a rate change means for your mortgage repayments.
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Standard Deduction Calculator
Calculate your tax saving from Australia's new $1,000 standard deduction for 2026-27. Compare against actual deductions.
Salary After Tax Breakdown
See your take-home pay after tax for any Australian salary from $40K to $200K. Full 2025-26 bracket breakdown.
After Tax Calculator
How much is $100K, $80K, or $65K after tax in Australia? See take-home pay for any salary from $30K to $200K.
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.
FBT Calculator
Calculate FBT on company cars, EVs, and other fringe benefits. Compare statutory vs operating cost method.
Franking Credits Calculator
Calculate franking credits on Australian dividends. See your tax offset, effective rate, and compare across all tax brackets.
Health Insurance Rebate Calculator
Calculate your private health insurance rebate based on income and age. See how much the government covers.
Private Health Insurance: Worth It?
Should you get private health insurance? Compare Medicare Levy Surcharge vs premium costs at your income level.
Lifetime Health Cover Loading Calculator
Calculate your LHC loading penalty based on your age and time without private hospital cover.
Crypto Tax Calculator
Calculate capital gains tax on Bitcoin, Ethereum and crypto sales. Includes the 50% CGT discount for 12+ month holdings.
Pay Rise Calculator
See how much of your pay rise you keep after tax. Compare before vs after take-home pay.
CGT Calculator — Shares & ETFs
Calculate capital gains tax on shares and ETFs. Includes the 50% CGT discount, brokerage costs, and capital loss offsets.
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Super Comparison Calculator
Compare super strategies (salary sacrifice, after-tax, co-contribution) and fund types (industry, retail, SMSF) with projected retirement balance.
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.
Division 296 Calculator
Calculate the revised Division 296 tax: 15% extra on realised earnings above $3M, plus 10% more above $10M. Starting 1 July 2026.
FHSS Calculator — First Home Super Saver
Calculate your FHSS tax savings vs normal savings. See how salary sacrificing into super helps you save a bigger deposit.
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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.
Dollar Cost Averaging Calculator
See how regular investing grows your wealth. Compare DCA vs lump sum over any time period.
Term Deposit Calculator
Calculate term deposit interest, maturity value, and after-tax returns. Compare compounding frequencies and see month-by-month growth.
Inflation Calculator
Calculate how inflation affects your money using historical Australian CPI data. Compare purchasing power between years or project future values.
Fuel Savings Calculator — Excise Cut 2026
Calculate your savings from the halved fuel excise (26.3c/L, April–June 2026). See weekly, monthly, and 3-month savings plus petrol vs EV comparison.
Grocery Savings Calculator — Cut Your Weekly Bill
See how much Aussie families can realistically save on groceries by stacking 8 proven strategies — home brand swaps, meal planning, cutting food waste. Typical saving $30-60/week.
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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.
Car Loan Calculator
Calculate car loan repayments with trade-in, balloon payment, and fees. Compare monthly, fortnightly, or weekly schedules.
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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.
Age Pension Calculator
Calculate your Age Pension using both the income test and assets test. See deeming rates, supplements, and which test reduces your payment.
Rent Assistance Calculator
Calculate your Centrelink Rent Assistance payment based on your rent and living situation.
Child Care Subsidy Calculator
Calculate your Child Care Subsidy based on family income and care type. See out-of-pocket costs.
Family Tax Benefit Calculator
Calculate your FTB Part A and Part B payments based on income and number of children.
Carer Payment Calculator
Calculate your Carer Payment based on income and assets for full-time carers.
Disability Support Pension Calculator
Calculate your DSP based on income and assets. Includes income test, assets test, and supplements.
Child Support Calculator
Estimate child support payments based on both parents' incomes, number of children, and care percentage.
Parental Leave Calculator
Calculate your total parental leave pay: 26 weeks government PPL from July 2026 + employer leave + annual leave.