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Please read this disclaimer before using our calculators or content. It explains how we provide information and our limitations under Australian law.
Everything on Oz Finance Hub — the calculators, the guides, the data pages and the tools — is published as factual information and education. We apply published Australian rates, thresholds and formulas to the numbers you enter, or we reproduce what a government agency has published, and we show you the working. What we do not do is make a recommendation or express an opinion about any financial product. That distinction is the whole basis on which this site operates, so we are precise about it: this is not financial product advice, tax advice, credit advice, legal advice or personal advice, and it cannot be, because we know nothing about your objectives, your financial situation or your needs. Please do not treat this site as a substitute for advice from someone who does. If you ever find something here that reads like a recommendation, tell us — it is a defect, not a service.
We do not hold an Australian Financial Services Licence and we are not authorised to provide financial product advice or other financial services under the Corporations Act 2001 (Cth). We do not hold an Australian Credit Licence and we do not provide credit assistance under the National Consumer Credit Protection Act 2009 (Cth). Nothing here is a recommendation to acquire, hold or dispose of any financial product or to enter any credit contract. For advice about a financial product, speak to an authorised financial adviser. For a loan, speak to a licensed broker or lender.
Oz Finance Hub is not a registered tax agent or BAS agent under the Tax Agent Services Act 2009 and does not provide tax agent services. These figures are estimates produced from data you entered, for you to check. If you want tax advice you can rely on to meet your tax obligations, request it from a registered tax or BAS agent — you can verify registration on the TPB Register at tpb.gov.au. We cannot give you tax advice and we cannot prepare your return. Our tax calculators illustrate how the published rules apply to the numbers you type in. They may not reflect your actual position once offsets, deductions, exemptions, prior-year losses and your particular circumstances are taken into account. For anything that goes on your return, use the ATO or a registered tax agent. To be plain about a point that is often misunderstood: the exclusion in s766B(5)(c) of the Corporations Act, which takes tax advice given by a registered agent outside the financial advice regime, is not available to us, because we are not registered. We do not rely on it anywhere.
Australian law treats a calculator that gives financial product advice as a licensed activity unless a specific relief applies. Ours rely on ASIC Corporations (Generic Calculators) Instrument 2026/41 (F2026L00271), which exempts the provider of a generic financial calculator from the licensing requirement in s911A of the Corporations Act, on conditions. Anything projecting superannuation instead sits under ASIC Corporations (Superannuation Calculators and Retirement Estimates) Instrument 2022/603 and ASIC's RG 276. Those conditions are the reason our calculators look the way they do: every assumption that is not fixed by legislation can be changed by you, every default is explained rather than merely stated, every result can be printed or saved, projections two or more years out are shown in today's dollars as well as future dollars, and no calculator here advertises or promotes a particular financial product. This calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product. Before you make a financial decision, consider obtaining advice from someone who holds an Australian Financial Services Licence. We do not, and we cannot advise you.
This calculator exists to show you the arithmetic. It applies published Australian rates, thresholds and formulas to the numbers you enter and shows the working, so you can check it. That is all it does — it produces a number and describes what the number is. It does not recommend anything and it holds no opinion about any financial product. The limits are worth knowing before you rely on a figure. It only knows the figures you type in. Offsets, deductions, prior-year losses, other income, your partner's position and anything you have not entered are not in the result, and any of them can move it a long way. Rates and thresholds change, sometimes mid-year and occasionally with retrospective effect. Each calculator shows the financial year and the verification date it is working from — outside that year the result is wrong rather than approximate. Assumptions are set to a reasonable default and every non-statutory one can be changed. Defaults are not predictions, and a small change to a growth or inflation assumption compounds into a large change in a long projection. Where a result reaches two or more years into the future it is shown in today's dollars as well as future dollars, because a future-dollar figure overstates what the money will actually buy. It is a generic calculator. It is not built around any particular product, it does not compare the market, and it cannot tell you whether a product is suitable for you.
Every result on this site is an estimate. It is only as good as the inputs you provide and the assumptions the calculator makes, and we show the working precisely so you can check both. We keep rates and thresholds current and we verify them against official sources on a schedule, but tax law changes, sometimes mid-year and occasionally with retrospective effect. We do not warrant that any result is accurate, complete or suitable for your circumstances. Before you rely on a number, confirm it with the ATO, the relevant state revenue office or your adviser.
Some pages present data published by others, including the ATO, the Australian Bureau of Statistics, the Reserve Bank of Australia, APRA, the Fair Work Commission, state revenue offices and state valuers-general. We attribute and link every source so you can go and check it. That data is not ours, we cannot vouch for it and agencies revise their figures after publication. Property, suburb, salary and fund figures are indicative measures built from that public data — they describe broad patterns, not any particular home, job, employer or fund, and small samples can move them around a lot. Do not make a purchase, career or investment decision on the strength of a score on this site alone.
Where the site offers an AI assistant, its answers are generated by a language model from the data you have recorded. It can be wrong, it can be confidently wrong and it only knows what you have entered. It gives general information, never personal advice and it will not tell you whether to buy, sell or hold anything. Check anything that matters against your own records, the ATO or a registered tax agent before acting on it.
Anything here touching visas, residency, citizenship or moving to or from Australia is general information, not migration advice and not legal advice. For visa and residency questions use the Department of Home Affairs or a registered migration agent. For tax residency use the ATO's own tools. For legal questions, a lawyer.
The site is funded by Pro subscriptions and digital product sales. We may also earn a referral fee where we introduce you to a third party such as a mortgage broker, and where that happens we disclose it on the page, name the provider and only pass your details on if you explicitly consent. It never costs you more. Those relationships have no bearing on calculator results, rankings or comparisons anywhere on this site — the numbers come from published rates and official data, not from who pays us.
We link out to the ATO, government agencies and other third-party sites so you can verify what we publish. We do not control those sites and we are not responsible for their content, accuracy or availability. Visiting them is your own decision.
To the maximum extent permitted by law, Oz Finance Hub and its operators exclude all liability for any loss or damage — including indirect, consequential or incidental loss — arising from your use of, or reliance on, this site, its content, its data or its calculator results. Nothing in this disclaimer excludes, restricts or modifies any consumer guarantee or other right you have under the Australian Consumer Law or any other law that cannot be excluded by agreement. Our Terms of Service set out how liability is limited where the law permits it to be.
Last updated: 13 August 2026. By using Oz Finance Hub you acknowledge that you have read and understood this disclaimer.