Free Australian financial tools

Everything you need to understand your money

Pay calculators, mortgage tools, financial planning templates and more — all free, no sign-up required. Built for Australians.

Pay Calculator

Exact take-home pay with tax, Medicare, HECS, super & salary sacrifice.

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Mortgage Calculator

Repayments, stamp duty, LMI, offset account & full amortisation schedule.

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Reverse Calculator

Work backwards — find the gross salary needed for your target take-home.

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Compare Scenarios

Compare up to 5 salary scenarios side by side with charts.

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Stamp Duty Calculator

Calculate transfer duty for all 8 states & territories with FHB concessions.

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GST Calculator

Add or remove 10% GST instantly. Perfect for invoicing and bookkeeping.

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HECS / HELP Calculator

Years to clear, annual repayment, indexation cost & voluntary repayment impact.

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Budget Planner

Plan monthly income and expenses, track savings rate, and visualise your spending.

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Super Calculator

Project your superannuation balance at retirement with contribution modelling.

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Rent vs Buy

Compare renting and buying over time. Find your break-even year with year-by-year net worth.

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Negative Gearing

Calculate your real after-tax cost of an investment property. Includes depreciation & tax benefit.

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Tax Return Estimator

Find out if you're getting a refund or owe the ATO. Enter income, PAYG withheld, and deductions.

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Contractor vs Employee

Find the contractor rate that matches your salary. True take-home comparison with break-even rate.

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Capital Gains Tax

Calculate CGT on property, shares, or crypto. Includes 50% discount for assets held 12+ months.

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Loan Calculator

Personal & car loan repayments, total interest, full amortisation schedule, and extra repayments savings.

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Dividend & Franking Credits

Calculate grossed-up dividend income, franking credit offsets, and your after-tax return on Australian shares.

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Investment Calculator

Compound interest with regular contributions. See milestones, real vs nominal value, and rate comparisons.

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Pay Calculator

2025-26 ATO rates · updates as you type

Scenario 1

Income Details

Financial Year
$
Salary includes super

Turn on if your package already includes SGC

Annual leave loading

17.5% loading on 4 weeks annual leave

Tax Rate Gauge

21.2%effective0%22.5%45%
Effective 21.2%
Marginal 30.0%
Take-Home Pay
$67,012
Effective rate: 21.2%Marginal rate: 30.0%

Breakdown

Gross Income
$85,000
Employer Super
$10,200
Income Tax
-$17,988
Medicare Levy
-$1,700
Take-Home Pay
$67,012

Income Breakdown

Calculated using 2025-26 ATO rates · Super: 12% SGC · LITO applied