Purpose. DecisionLab's calculators turn the numbers you enter into an estimate: take-home pay, a super balance, a repayment, an entitlement, a tax figure. They exist to help you understand how a rule or a rate applies to figures like yours.
Not a decision tool. No calculator here is intended to be relied on for making a decision about a financial product, and none considers your objectives, financial situation or needs. Consider obtaining advice from an Australian financial services licensee before making any financial decision. DecisionLab does not hold an AFS licence, a credit licence or tax agent registration, and does not give personal advice.
| Kind of figure | How we set it | Can you change it? |
|---|---|---|
| Statutory rates and thresholds (tax scales, Medicare levy, super guarantee, contribution caps, HELP thresholds, award rates, Centrelink rates) | Taken from the legislation or the publishing authority (ATO, Services Australia, Fair Work Commission, state revenue offices) and re-verified at each 1 July rollover and when a change is announced. The page states the financial year. | Usually fixed, because the law fixes them. Where a calculator offers a year selector, you can pick the year. |
| Economic defaults (investment returns, fees, wage growth, inflation, interest rates) | Set to figures consistent with ASIC's Moneysmart calculators, Treasury's long-run assumptions or published industry data, and deliberately not chosen to flatter a result. The reason for each default appears on the calculator that uses it. | Yes. Every non-statutory default is an input you can change. |
| Future amounts two or more years away | Shown in today's dollars alongside the future figure, using ASIC's default inflation rate of 2.5% a year (the midpoint of the Reserve Bank's target range), or at the inflation rate you enter where the calculator has one. This line is live on the retirement, compound interest and superannuation calculators and is being added to the remaining projection calculators during September 2026; until a calculator carries it, treat any multi-year figure it shows as a future amount, not today's purchasing power. Actual inflation may differ significantly, which changes the real value of any future amount. | Yes, where an inflation field is shown. |
| Superannuation projections | Follow ASIC Regulatory Guide 276 and ASIC Instrument 2022/603: results in today's dollars by default, deflated at 3.7% a year (wage inflation) during accumulation and 2.5% a year in retirement; retirement age 67 by default; assumptions stated with the reason they are reasonable. | Yes, other than legislated figures. |
Calculators here may refer to a class of product, such as a home loan, an income protection policy or a superannuation fund, because that context is needed to make sense of the inputs. They do not name, rank or recommend a specific financial product, and no result is a suggestion to buy, sell, switch or apply for one. Where a page links to a comparison resource or a "find an adviser" tool, that link is general and is not tied to the result you calculated.
Every calculator can be printed or saved from your browser; several offer a print or PDF button. Every version of every calculator page is kept in version control and every deployment is retained by our hosting provider, so a copy of each version remains available for at least seven years. The dated changelog on the page records what changed and why.
If you believe a figure is wrong, email hello@decisionlab.com.au with the calculator and the inputs. Confirmed errors are corrected, dated on the page, and noted in the site changelog. If we become aware that a calculator has failed, other than in an immaterial respect, to meet a condition of the ASIC relief we rely on, whether through an error, a missing statement or a technical fault, we notify ASIC in writing within 30 days of becoming aware of it, as the relief requires.