Smart tools for
big decisions

💰

Income Tax Calculator

FY 2026–27 tax brackets, Medicare levy, and HELP/HECS repayment estimates. See your take-home pay instantly.

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🏠

Stamp Duty Calculator

Calculate stamp duty and transfer fees for every Australian state and territory. First home buyer concessions included.

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💵

Take-Home Pay Calculator

Enter your salary and see what you actually take home after tax, Medicare, and HELP. Weekly, fortnightly, or monthly.

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📊

Superannuation Calculator

Project your super balance at retirement. Factor in salary sacrifice, employer contributions, and investment returns.

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🎓

HECS/HELP Calculator

Estimate your HELP debt repayments based on your income. See how long until you're debt-free.

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📈

HECS Indexation Calculator

See how much your HECS debt will grow on 1 June. Test whether a voluntary payment beforehand saves money.

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☀️

Solar & Battery Payback

Real Australian payback period for rooftop solar and a home battery. Includes the 30% Federal rebate.

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🏥

LHC Loading Calculator

Lifetime Health Cover loading on private hospital cover after age 31. See the 10-year cost.

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🏡

Aged Care Fees Calculator

Residential aged care: basic daily fee, means-tested fee, RAD vs DAP. FY 2025–26 thresholds.

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💸

Division 293 Tax Calculator

Extra 15% super tax for high earners (income over $250k). See your liability and effective rate.

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🏦

Division 296 Calculator

New $3M super tax from 1 July 2026 — extra 15% (25% over $10M) on realised earnings. Calculate yours.

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📦

Carry-Forward Cap Calculator

Unused super cap from the last 5 years. See the catch-up contribution and tax saving available.

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👨‍👩‍👧

Child Support Estimator

Australian Services Australia formula. Both parents' incomes, nights of care, Cost of Children Table.

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🛡️

Mortgage Stress Test

How well does your loan hold up if rates rise or income drops? APRA buffer + DTI + stress threshold.

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🏘️

Granny Flat ROI Calculator

Build cost vs rental income, payback period, 10-year return, property value uplift.

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📊

Bracket Creep Calculator

How much extra tax you pay each year because brackets aren't indexed. 10-year vs indexed counterfactual.

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🏡

Mortgage Repayment Calculator

Calculate monthly repayments, total interest, and compare fixed vs variable rates on your home loan.

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⚖️

Rent vs Buy Calculator

Run the numbers on renting versus buying in Australia. Factor in stamp duty, maintenance, and opportunity cost.

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💼

Salary Sacrifice Calculator

See how salary sacrificing into super affects your take-home pay and retirement balance. Optimise your tax position.

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🏠

First Home Buyer Calculator

Estimate how much you can borrow, stamp duty concessions, and the First Home Super Saver Scheme benefit.

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📈

Capital Gains Tax Calculator

Calculate CGT on shares, property, and crypto. Includes the 50% CGT discount for assets held over 12 months.

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🏦

Borrowing Power Calculator

How much can you borrow? Based on income, expenses, debts, and the APRA 3% serviceability buffer.

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🏢

Negative Gearing Calculator

See how investment property losses reduce your taxable income. Calculate your tax benefit and true after-tax holding cost.

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🧾

GST Calculator

Instantly add or remove 10% GST. See GST-inclusive, GST-exclusive, and the GST component for invoices and BAS.

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📈

Compound Interest Calculator

See how your savings and investments grow over time with compound interest and regular contributions.

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🚗

Loan Repayment Calculator

Calculate repayments for personal loans and car loans. See how extra payments save you money and time.

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📉

Inflation Calculator

See how inflation erodes your money over time. Calculate future costs and purchasing power with real-world examples.

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📋

Budget Planner

Split your take-home pay using the 50/30/20 rule. Adjust needs, wants, and savings percentages to fit your life.

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💰

Pay Rise Calculator

See exactly how much extra you take home from a salary increase after tax and Medicare. Bracket crossing warnings.

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🎯

Debt Payoff Calculator

Compare snowball vs avalanche methods. Add multiple debts and see which strategy saves the most interest.

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🏘️

Investment Property ROI

Calculate rental yield, capital growth, tax benefit, and true return on your property investment over time.

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🔢

Percentage Calculator

What is X% of Y? Percentage increase or decrease? Three calculators in one — instant results.

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🏖️

Retirement Calculator

When can you retire? See when your super and savings hit your target income. ASFA benchmarks included.

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🛡️

LMI Calculator

Estimate Lenders Mortgage Insurance costs. See how a bigger deposit reduces your LMI premium.

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🚗

Car Affordability Calculator

How much car can you afford? Loan repayments, insurance, rego, fuel — total monthly cost of ownership.

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🏦

Offset Account Calculator

See how much interest you save by keeping money in a mortgage offset account.

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💎

Franking Credits Calculator

Calculate grossed-up dividends, franking credits, and net tax on Australian share dividends.

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📋

Sole Trader Tax Calculator

Estimate income tax, GST, and quarterly BAS as a freelancer or sole trader.

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⏰

Overtime Calculator

Calculate time-and-a-half, double time, and weekend penalty rates on your hourly rate.

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🏖️

Leave Loading Calculator

Calculate your 17.5% annual leave loading and total leave pay entitlement.

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📄

Redundancy Calculator

Calculate redundancy pay, notice period, and leave payout based on years of service.

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🏛️

Centrelink Estimator

Estimate JobSeeker, Youth Allowance, Parenting Payment, and Family Tax Benefit.

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⏱️

Salary to Hourly

Convert your annual salary to an hourly rate based on a 38-hour work week.

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🎯

Savings Goal Calculator

How long until you reach your savings target? Enter your goal and monthly contribution.

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💳

Credit Card Payoff

How long to pay off your credit card? See the real cost and how extra payments save thousands.

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📊

Net Worth Calculator

Assets minus debts. See your true financial position in one number.

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📈

Rental Yield Calculator

Calculate gross and net rental yield on investment property. Is the rent covering your costs?

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🚗

Novated Lease Calculator

Compare salary packaging a car via novated lease versus buying outright. See the real tax saving.

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👴

Age Pension Calculator

Estimate your Age Pension based on income and assets tests. Full, part, or not eligible.

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🏗️

Land Tax Calculator

Calculate annual land tax on investment property. State-by-state comparison with rates and thresholds.

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👶

Childcare Subsidy (CCS)

Estimate your Child Care Subsidy rate and out-of-pocket childcare cost based on family income.

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🏥

Medicare Levy Surcharge

Should you get private health insurance or pay the surcharge? See which costs less.

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🏢

FBT Calculator

Estimate Fringe Benefits Tax on cars and employee benefits. Statutory method included.

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💹

Margin & Markup

Convert between profit margin and markup percentage. See cost, revenue, and profit.

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🔄

Pay Frequency Converter

Convert pay between hourly, weekly, fortnightly, monthly, and annual instantly.

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⏳

Hourly to Salary

Convert your hourly rate to an annual salary. See yearly, monthly, and weekly equivalents.

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🔑

Rental Bond Calculator

How much do you need upfront to rent? Bond, advance rent, and moving costs.

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🧾

Tip Calculator

Calculate tip amount and split the bill. Quick and simple.

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💰

Tax Refund Estimator

Will you get a refund or owe the ATO? Enter income, deductions, and tax withheld.

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📊

Dividend Tax Calculator

Tax on franked and unfranked dividends. See your franking credit refund.

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🏠

WFH Tax Deduction

Calculate your work from home deduction using the 70c/hour fixed rate method.

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₿

Crypto Tax Calculator

Capital gains tax on cryptocurrency. Includes the 50% discount for 12+ months.

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📋

PAYG Withholding

How much tax should your employer withhold each pay period?

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🏗️

Property Depreciation

Estimate Div 40 and Div 43 depreciation deductions on investment property.

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⚖️

Home Loan Comparison

Compare two home loans side by side. Rates, fees, and total cost.

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⚡

Extra Repayment Calculator

How much do extra mortgage repayments save? See years and interest saved.

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🏡

House Deposit Calculator

How long to save a house deposit? Set your target and see your timeline.

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🔄

Refinance Calculator

Is refinancing worth it? Compare rates and see your break-even point.

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🔍

ABN Lookup & Validator

Instantly validate any Australian Business Number using the official checksum algorithm.

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🤝

Contractor vs Employee

Compare real take-home pay as PAYG employee vs ABN contractor.

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🏖️

Annual Leave Payout

How much is your unused annual leave worth? Gross and after-tax payout.

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🎖️

Long Service Leave

LSL entitlement by state. See weeks accrued and payout value.

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⏰

Penalty Rate Calculator

Weekend, public holiday, and evening penalty rates on your base pay.

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💵

Minimum Wage Calculator

What does $24.10/hr look like after tax? Full-time and casual rates.

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🔥

FIRE Calculator

Financial independence retire early. Calculate your FIRE number and timeline.

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🏦

Term Deposit Calculator

Interest earned on a term deposit. After-tax return vs savings account.

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💳

Personal Loan Calculator

Monthly repayments and total interest on a personal loan.

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✈️

Working Holiday Tax

417/462 visa backpacker tax rates. 15% flat rate on first $45,000.

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🔗

Debt Consolidation

Should you consolidate? Compare current debts vs one lower-rate loan.

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🏠

FHSS Calculator

First Home Super Saver Scheme. Save for your deposit inside super.

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💰

True Cost of Employee

See what an employee really costs. Super, workers comp, leave accruals, payroll tax — all states and industries.

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📊

Payroll Tax Calculator

Payroll tax by state. Thresholds, rates, and state comparison.

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🛒

Award Rate Calculator

Find minimum pay rates by award, classification level and employment type. 7 major awards covered.

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🏦

Super Guarantee (Employer)

Quarterly super obligations, payment deadlines, and late payment penalties (SGC). 12% rate.

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📋

Final Pay Calculator

Calculate total termination payout. Notice, redundancy, annual leave, LSL — by reason for ending employment.

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⚡

Casual Loading Calculator

Calculate 25% casual loading on any hourly rate. Compare casual vs permanent employment costs.

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📅

Notice Period Calculator

Minimum notice period by years of service. Payment in lieu of notice amounts.

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🛡️

Emergency Fund

How big should your emergency fund be? Track your progress.

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📈

Dollar Cost Averaging

See how regular investing compounds. DCA vs lump sum compared.

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🚗

Car Running Costs

True annual cost of your car. Fuel, rego, insurance, servicing.

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📉

Rate Rise Stress Test

What if rates go up? Stress-test your mortgage from +0.25% to +3%.

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💰

Super Contributions

Extra salary sacrifice impact. Tax saving now, bigger super at 67.

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♻️

Debt Recycling

Convert mortgage debt into tax-deductible investment debt.

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👨‍👩‍👧

Family Tax Benefit

FTB Part A & B estimator. Enter income and number of children.

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👶

Parental Leave Pay

Government PPL entitlement. See weekly payment and income gap.

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📉

ETF Fee Calculator

How much do MER fees really cost? Compare low-cost vs active funds.

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⚖️

Break-Even Calculator

How many units to cover costs? Find your break-even point.

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✅

Annualised Salary Checker

Check if an annualised salary covers all award entitlements including penalties, overtime and leave loading.

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⚡

EV vs Petrol Calculator

Compare total ownership costs of electric vs petrol cars over 5 years. Fuel, servicing, rego and insurance.

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🏢

Sole Trader vs Company

Compare tax outcomes for sole trader vs Pty Ltd company at any income level.

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🚗

Car Loan Calculator

Calculate car loan repayments, total interest, and compare loan terms.

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📄

BAS Calculator

Estimate your quarterly BAS liability. GST collected minus GST paid plus PAYG withholding.

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📊

50/30/20 Budget Calculator

Apply the 50/30/20 budget rule to your income. Needs, wants, and savings split.

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💸

BNPL True Cost Calculator

See what Buy Now Pay Later really costs when you miss payments. BNPL vs credit card vs saving up.

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📉

Super Drawdown Calculator

How long will your super last in retirement? Year-by-year projections with inflation.

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🎓

Private School Cost Calculator

Total projected cost of private school with annual fee increases. Prep through Year 12.

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🏙️

Cost of Living Calculator

Compare monthly living costs between Australian cities. Rent, groceries, transport and more.

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🏠

Help to Buy Calculator

See how the government shared equity scheme reduces your home loan. Up to 40% government contribution.

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💼

Side Hustle Tax

Calculate tax on Uber, Airtasker, freelance or any second income. See what to set aside.

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⚡

Electricity Bill Calculator

Estimate your electricity bill based on usage, tariff rates and solar offset.

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📈

Investment Return Calculator

Calculate compound growth on your investments with regular contributions over time.

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💒

Wedding Budget Calculator

Plan your Australian wedding budget. Cost breakdowns for venue, catering, photography and more.

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👶

Baby Cost Calculator

Estimate the cost of having a baby in Australia. First year costs with government payment offsets.

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📦

Moving Cost Calculator

Estimate removalist fees, bond, cleaning and other relocation costs for moving house.

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🚗

Lease vs Buy Car

Compare novated lease vs buying a car outright. See tax savings and total cost comparison.

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🏡

Downsizer Super Contribution

Calculate how the $300K downsizer contribution grows your super when you sell your home.

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🏥

Medicare Levy Calculator

Calculate your exact Medicare levy. Check if you qualify for a reduction or exemption.

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🚗

Car Stamp Duty Calculator

Calculate vehicle transfer duty for all Australian states. Enter price, see stamp duty instantly.

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📉

Depreciation Calculator

Calculate asset depreciation using prime cost or diminishing value. See annual tax deductions.

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🏘️

Rental Income Tax Calculator

Calculate tax on rental income after deductions. See the impact of negative gearing on your tax.

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⚖️

Salary Comparison Calculator

Compare two salaries side-by-side after tax. See how much of a pay rise you actually keep.

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🏦

Interest Only vs P&I Calculator

Compare interest-only and principal & interest repayments. See short-term saving vs long-term cost.

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💎

Tax Offset Calculator

Calculate your Low Income Tax Offset (LITO) and see how much it reduces your tax bill.

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✅

Do I Need an ABN?

Answer a few questions to find out if you need an Australian Business Number.

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🔧

Apprentice Wage Calculator

Find minimum apprentice pay rates by trade and year of apprenticeship.

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⛽

Fuel Tax Credit Calculator

Calculate fuel tax credits for business vehicles and equipment. Claim on your BAS.

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📊

Debt-to-Income Ratio Calculator

Calculate your DTI ratio. See how lenders assess your borrowing capacity.

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💰

PAYG Withholding Calculator

How much tax to withhold from employee pay. Enter gross pay and frequency.

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🎉

Public Holiday Pay Calculator

What to pay staff who work on a public holiday. Penalty rates by employment type.

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📅

Leave Accrual Calculator

How much annual leave and personal leave has an employee accrued? Enter start date.

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⚖️

Part-Time vs Casual Cost

Compare total employer cost of hiring part-time permanent vs casual for the same role.

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🛡️

Workers Comp Estimator

Estimate annual workers compensation premium by state, industry and total wages.

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⏰

Overtime Cost (Employer)

True cost of OT including super on overtime and workers comp. The costs employers miss.

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👥

Headcount Cost Forecaster

Forecast total annual payroll cost. Current staff + planned hires with all employer costs.

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📋

Termination Cost Calculator

Total cost of terminating an employee. Notice, redundancy, leave payout, super on termination.

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📊

Tax Bracket Calculator

Which tax bracket are you in? Visual breakdown of how your income is taxed across each bracket.

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💵

Gross to Net Calculator

Convert gross pay to net take-home pay after tax and Medicare. Any pay frequency.

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📅

Fortnightly Pay Calculator

See your fortnightly take-home pay after tax. Enter salary, see what hits your account.

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⏰

Time and a Half Calculator

Calculate time and a half, double time, and double time and a half from any hourly rate.

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🏆

Income Percentile Calculator

Where does your salary rank among Australian workers? Find your income percentile.

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📦

Salary Packaging Calculator

Calculate salary packaging savings on cars, laptops, and FBT-exempt items.

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💰

LSL Payout Calculator

Calculate the dollar value of your long service leave payout by state and years of service.

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🌴

Annual Leave Entitlement

How much annual leave are you entitled to? Calculate by hours worked and tenure.

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🤒

Sick Leave Entitlement

How many sick days do you get? Calculate personal leave accrual and current balance.

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🌙

Shift Penalty Calculator

Calculate evening, night, and early morning shift penalty rates from your base rate.

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👴

SAPTO Calculator

FY 2026–27 Seniors and Pensioners Tax Offset estimator

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🌅

TTR Calculator

TTR strategy tax saving estimator

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💼

ABP Calculator

Pension drawdown estimator with longevity projection

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🪙

LITO Calculator

Low Income Tax Offset estimator

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🤝

Co-Contribution Calculator

Eligibility and amount estimator

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💑

Spouse Super Offset Calculator

Up to $540 tax offset for contributing to a low-income spouse's super

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🎯

Bonus Tax Calculator

How much of your bonus you keep

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📊

Assets Test Calculator

Pension entitlement under the assets test

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📊

Income Test Calculator

Income-test pension entitlement with deeming and Work Bonus

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🍯

Pension Sweet Spot Calculator

Where extra assets reduce pension by more than they earn

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⚖️

Lump Sum vs Pension Calculator

Withdraw super as lump sum vs leave it in pension

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📈

ESS Tax Calculator

Tax at the ESS taxing point

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📅

PAYG Instalment Calculator

Quarterly PAYG instalment estimator

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⚖️

Job Offer Compare Calculator

Compare two job offers on full package

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🛡️

Income Protection Calculator

Right-size cover before you shop premiums

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🛡️

Life Insurance Need Calculator

DIME life insurance lump-sum sizing

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🛡️

TPD Insurance Need Calculator

Total and Permanent Disability cover sizing

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🏠

WFH Deduction Calculator

Compare 70c fixed rate vs actual cost

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🌏

Foreign Income Offset Calculator

Foreign tax credit against Australian tax

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📉

Loss Carry-Forward Calculator

Apply prior-year losses against this year

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🪙

Crypto Staking Tax Calculator

Income tax on rewards plus CGT on disposal

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🏛️

SMSF vs APRA Calculator

At what balance is an SMSF cheaper than a retail/industry fund?

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💑

Spouse Super Split Calculator

Split up to 85% of concessional contributions to spouse

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📜

Death Benefit Tax Calculator

Tax on lump-sum super death benefit by beneficiary type

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💸

Super Withdrawal Tax Calculator

Tax on lump-sum super at different ages

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🌏

Foreign Buyer Surcharge Calculator

State-by-state foreign-buyer additional duty

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🏘️

Rentvesting Calculator

Buy your own home vs rent here and invest elsewhere

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🏖️

Airbnb Yield Calculator

Net yield on short-stay property after fees

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🏗️

Construction Loan Calculator

Interest during construction with 5-stage drawdown

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🔄

Reverse Mortgage Calculator

Equity release for retirees 60+

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✂️

Loan Break Cost Calculator

Approximate the cost of breaking a fixed mortgage early

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📊

Margin Loan Calculator

Leverage and margin-call estimator

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⚖️

Top-Up vs Personal Loan Calculator

Cheap rate over 30 years vs higher rate over 5

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📜

Bond YTM Calculator

Approximate YTM on a fixed-rate bond

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🎯

Real Return Calculator

Investment return that actually matters

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🎲

Sequence Risk Calculator

Why retiring into a crash is worst case

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🌐

Hedged vs Unhedged Calculator

FX move, fees, and long-run drift compared

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⚖️

Rebalancing Calculator

How much to buy and sell to hit target allocation

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🎂

Allocation by Age Calculator

Suggested allocation using the 110-minus-age rule

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⏱️

Hourly Rate Calculator

Back-solve hourly rate from desired take-home

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🎯

CAC Calculator

CAC, payback months, and LTV/CAC ratio

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💎

LTV Calculator

Standard SaaS LTV formula with churn

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📋

Div 7A Loan Calculator

Minimum repayment on Div 7A complying loan

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🐾

Pet Insurance Calculator

Annual cost vs expected reimbursement

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🩺

Trauma Insurance Calculator

Lump-sum cover for serious illness diagnosis

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🏗️

Home Rebuild Cost Calculator

Sum insured vs current rebuild cost

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🚗

Excess vs Premium Calculator

Higher excess in exchange for lower premium

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📊

Salary Review Calculator

Are you keeping pace with inflation and the market?

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⏸️

Career Pause Calculator

Lifetime cost of taking time out

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🎓

Uni Degree ROI Calculator

Lifetime financial return on a degree

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🔧

VET vs Uni Calculator

Lifetime earnings: trade vs degree

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🛣️

Toll Cost Calculator

What your daily toll commute really costs

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⚡

ToU vs Flat Rate Calculator

Compare ToU and flat-rate electricity tariffs

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♨️

Heat Pump vs Gas Calculator

Replace gas hot water with electric heat pump

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☕

Coffee Cost Calculator

What your daily coffee really costs

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🚬

Smoking Cost Calculator

What 30 years of smoking actually costs

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💳

Pay Off Mortgage vs Invest Calculator

Should you pay extra into your loan, or invest the surplus?

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