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.
Rate Shock Calculator
Drag a slider to see exactly how an RBA rate change hits your monthly repayment and total interest. Includes presets for cuts, hikes, and the bear case.
Budget Impact Calculator
Toggle hypothetical 2026-27 Budget changes — tax cuts, super caps, HECS freezes, rent assistance — and see your household's $$ impact in real time.
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.
★Start here(6)
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.
Net Worth by Age Calculator
See how your net worth compares to the median for your age in Australia. Ahead or behind?
Am I Middle Class?
See if your income is lower, middle or upper class in Australia, using the OECD definition.
TMy pay & tax(26)
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.
Tax Refund Calculator
Estimate your 2025-26 tax refund or bill from your income, tax withheld and deductions.
Work From Home Deduction Calculator
Calculate your WFH tax deduction using the ATO 70c fixed-rate method, and the tax it saves.
Second Job Tax Calculator
Work out the extra tax on a second job and what you'll actually take home.
Sole Trader Tax Calculator
Work out your sole trader / ABN tax for 2025-26 and how much of every dollar to set aside.
Bonus Tax Calculator
How much tax will you pay on a work bonus, and what do you actually keep? Marginal rate, Medicare and HECS.
Net to Gross Salary Calculator
Work backwards from the take-home you want to the gross salary you need. Great for salary negotiation.
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.
Salary Packaging Calculator (NFP & Health)
How much tax you save salary packaging as a charity, health or hospital employee using the FBT-exempt cap.
True Hourly Wage Calculator
Work out what you really earn per hour after commute time and the costs of going to work.
Pay Frequency Converter
Convert your pay between hourly, weekly, fortnightly, monthly and annual figures.
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.
$Save money & budget(42)
Time to Millionaire Calculator
How many years until you hit $1 million? See your timeline and how much is compound growth.
Savings Rate Calculator
Your savings rate + how many years until financial independence. The biggest lever on retiring early.
Dividend Income Calculator
Your dividend income after tax including franking credits and the gross-up — what shares really pay you.
Round-Up Savings Calculator
How much could rounding up every card purchase save and grow to? The painless way to build a nest egg.
Cost of Raising a Child
Estimate the cost of raising a child in Australia — per year and to age 18, incl. childcare and school.
Cost of Owning a Pet
Estimate the upfront, yearly and lifetime cost of owning a dog or cat in Australia.
Term Deposit Ladder Calculator
Build a term deposit ladder for regular access + rate hedging. See your rungs, maturity timing and interest.
Average Energy Bill Calculator
Compare your electricity bill to the average for your household, and see switching savings.
Back to School Cost Calculator
Estimate the yearly and total cost of school in Australia — uniforms, books, devices and fees, public or private.
Subscription Cost Calculator
Add up what you spend on streaming and recurring subscriptions, and see what that money could grow to if invested.
Rule of 72 Calculator
Estimate how many years it takes to double your money at a given rate of return.
Dollar-Cost Averaging Calculator
Compare investing a lump sum now versus spreading it out over time with dollar-cost averaging.
Wedding Cost Calculator
Estimate the cost of an Australian wedding by guest count and style, and the weekly saving needed to fund it.
Christmas Budget Calculator
Plan festive-season spending on gifts, food and travel, and how much to save each week to avoid January debt.
Gym Cost Per Visit Calculator
Work out what each gym session really costs based on how often you go, and whether a casual pass is cheaper.
Coffee Spending Calculator
See what your daily coffee habit costs per year — and what it could grow to if invested instead.
Vehicle Running Cost Calculator
Add up the true annual cost of running a car in Australia — fuel, rego, insurance, servicing and depreciation.
Moving House Cost Calculator
Estimate the total cost of moving house — removalists, cleaning, connections and the hidden extras.
Car Depreciation Calculator
Project how much a car loses in value over time so you can see the real cost of ownership.
Meal Prep Savings Calculator
See how much you save by cooking at home instead of buying takeaway and lunches out.
Baby First Year Cost Calculator
Estimate the cost of a baby's first year in Australia — setup, nappies, feeding and ongoing essentials.
Holiday Savings Calculator
Work out how much to save each week or month to afford a holiday by your target date.
EV vs Petrol Running Cost Calculator
Compare the annual fuel and charging cost of an electric car versus a petrol car in Australia.
Solar Payback Calculator
Estimate how long rooftop solar takes to pay for itself and what you'll save over 10 years.
Appliance Running Cost Calculator
Work out what running an appliance costs in electricity per use, per day and per year.
Phone Plan Comparison Calculator
Compare the total cost of two mobile phone plans over time, including any handset repayment.
Cost Per Use Calculator
Work out the true cost per use of a purchase to judge whether it's actually worth buying.
NBN Plan Comparison Calculator
Compare the first-year cost of two NBN or internet plans, accounting for intro discounts.
Petrol Trip Cost Calculator
Work out the fuel cost of a road trip or regular drive, and the cost split per person.
Cost of Smoking Calculator
See what smoking costs per year and what quitting could grow to if invested instead.
Commuting Cost Calculator
Compare the annual cost of commuting by car versus public transport in Australia.
50/30/20 Budget Calculator
Split your take-home pay into needs, wants and savings with the 50/30/20 budget rule.
Inflation Calculator
See how inflation erodes the value of your money over time, and what you'll need to keep the same buying power.
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.
Term Deposit Calculator
Calculate term deposit interest, maturity value, and after-tax returns. Compare compounding frequencies and see month-by-month growth.
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.
Savings Account Bonus-Condition Simulator
What a bonus-rate savings account really earns when you meet the conditions, miss a few months, or park the money in a no-conditions account.
Payday Cashflow Calendar Calculator
Put your pay dates and bill dates on one calendar and see the lowest your balance will go, on which day, and how much is safe to spend now.
PBuy a home(29)
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.
Refinance Calculator
Is refinancing worth it? See your monthly saving, the break-even on switching costs, and your net saving over the loan.
Fixed vs Variable Calculator
Compare fixing your home loan vs staying variable over the fixed period, with the break-even rate.
Deposit Needed Calculator
How much deposit do you need for any property price? See the deposit, LMI, costs and the 20% target.
Income Required to Buy a House
What income do you need to buy a home at any price? Assessed with the APRA serviceability buffer.
LVR & Home Equity Calculator
Work out your LVR, total equity, and usable equity to 80% — for a renovation or investment property.
Debt-to-Income (DTI) Calculator
Work out your DTI ratio the way lenders and APRA do — and whether you can borrow more.
Offset vs Savings Account
Should spare cash sit in your offset or a savings account? Compare them after tax — the offset usually wins.
Loan Comparison Calculator
Compare two loans side by side including fees to see which actually costs less over the full term.
Rentvesting Calculator
Compare buying a home to live in versus renting where you want and buying a cheaper investment property.
Rental Bond Calculator
Work out the bond and total upfront cash needed to move into a rental in Australia.
House Deposit Timeline Calculator
Work out how long it will take to save a home deposit at your current savings rate.
Interest-Only vs Principal & Interest Calculator
Compare interest-only and principal-and-interest home loan repayments and total cost.
Rent Increase Calculator
Work out the dollar impact of a rent increase — new rent, extra per week and per year.
ETF vs Property Calculator
Compare investing in a diversified share ETF versus an investment property, net of buying costs and leverage.
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.
Offset Account Fee Break-Even Calculator
Is the annual offset or package fee worth it? Compare the interest your offset balance saves against the fee, any rate premium, and what the cash could earn in savings.
Mortgage Term-Reset Cost Calculator
Refinancing to a fresh 30-year term lowers repayments but can add years of interest. Compare staying, resetting the term, and refinancing while keeping your old repayment.
Settlement Cash Buffer Calculator
Deposit paid — how much cash do you still need on settlement day and after it? Price, loan, duty, fees, adjustments, moving costs and a reserve, without double-counting the deposit.
DManage debt(8)
Balance Transfer Calculator
Will a 0% balance transfer save you money? Calculate the fee, the payment to clear before revert, and your real saving.
Debt Payoff Planner (Snowball vs Avalanche)
Compare the snowball and avalanche methods across all your debts. See which is faster and cheaper.
BNPL True Cost Calculator
What an 'interest-free' Afterpay or Zip purchase really costs once account and late fees are counted.
Car Loan vs Cash Calculator
Should you finance a car or pay cash? Compare the true cost including what your cash could earn invested.
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.
SPlan retirement & super(9)
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.
Super vs Mortgage Calculator
Should you salary sacrifice into super or make extra mortgage repayments? Compare the after-tax net benefit of each over time.
Coast FIRE Calculator
Find your Coast FIRE number — the amount invested today that grows to your retirement number on its own.
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.
GGovernment payments(9)
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.
Parental Leave Calculator
Calculate your total parental leave pay: 26 weeks government PPL from July 2026 + employer leave + annual leave.