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SavingsMate

Tax Calculators Australia — Income Tax, HECS, Medicare, FBT

ATO-accurate tax calculators for individuals, investors and salary packagers.

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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.

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Salary After Tax Breakdown

See your take-home pay after tax for any Australian salary from $40K to $200K. Full 2025-26 bracket breakdown.

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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.

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Pay Calculator

Calculate your take-home pay after tax, Medicare levy, HECS and super. Instant result for any salary.

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HECS/HELP Repayment Calculator

Calculate your HECS-HELP repayment amount based on your income. See repayment rates and thresholds.

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Medicare Levy Calculator

Calculate your Medicare levy and surcharge based on income, dependents and private health status.

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Salary to Hourly Rate Converter

Convert between annual salary, monthly, fortnightly, weekly, and hourly pay rates.

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GST Calculator

Add or remove 10% GST instantly. Calculate GST-inclusive and GST-exclusive amounts.

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Redundancy Pay Tax Calculator

Calculate your redundancy payout after tax, including the tax-free component and ETP treatment.

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Tax Refund Calculator

Estimate your 2025-26 tax refund or bill from your income, tax withheld and deductions.

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Work From Home Deduction Calculator

Calculate your WFH tax deduction using the ATO 70c fixed-rate method, and the tax it saves.

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Second Job Tax Calculator

Work out the extra tax on a second job and what you'll actually take home.

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Sole Trader Tax Calculator

Work out your sole trader / ABN tax for 2025-26 and how much of every dollar to set aside.

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Bonus Tax Calculator

How much tax will you pay on a work bonus, and what do you actually keep? Marginal rate, Medicare and HECS.

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Net to Gross Salary Calculator

Work backwards from the take-home you want to the gross salary you need. Great for salary negotiation.

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HECS Indexation Calculator

How much HECS indexation (2.8% in 2026) you can avoid by paying before 1 June — and whether it's worth it.

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Salary Packaging Calculator (NFP & Health)

How much tax you save salary packaging as a charity, health or hospital employee using the FBT-exempt cap.

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True Hourly Wage Calculator

Work out what you really earn per hour after commute time and the costs of going to work.

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Pay Frequency Converter

Convert your pay between hourly, weekly, fortnightly, monthly and annual figures.

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Franking Credits Calculator

Calculate franking credits on Australian dividends. See your tax offset, effective rate, and compare across all tax brackets.

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Health Insurance Rebate Calculator

Calculate your private health insurance rebate based on income and age. See how much the government covers.

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Private Health Insurance: Worth It?

Should you get private health insurance? Compare Medicare Levy Surcharge vs premium costs at your income level.

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Lifetime Health Cover Loading Calculator

Calculate your LHC loading penalty based on your age and time without private hospital cover.

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Crypto Tax Calculator

Calculate capital gains tax on Bitcoin, Ethereum and crypto sales. Includes the 50% CGT discount for 12+ month holdings.

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Pay Rise Calculator

See how much of your pay rise you keep after tax. Compare before vs after take-home pay.

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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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