# Oz Finance Hub

> Australian tax and finance calculators built on 2025–26 ATO rates.

Oz Finance Hub provides 50+ free calculators covering salary tax, HELP/HECS student loans, superannuation, stamp duty, mortgage repayments, capital gains tax, DASP, working holiday tax and more. All calculations are based on current Australian Taxation Office (ATO) rates for the 2025–26 financial year.

Premium subscribers can save calculations, export PDF reports, compare scenarios side by side, and access income, dividend and super trackers.

## Core calculator categories

- Income & Tax: salary tax, tax brackets, Medicare levy surcharge, tax refund estimator, pay rise, redundancy, leave payout, division 293
- Housing: mortgage, stamp duty, borrowing power, LMI, home deposit, rent vs buy, offset account
- Superannuation & Retirement: super calculator, salary sacrifice, super guarantee, drawdown, first home super saver
- Investments: capital gains tax, dividends, franking credits, rental yield
- Student Loans: HELP/HECS repayment projections, repayment thresholds
- Savings: compound interest, savings goals, debt payoff, emergency fund, FIRE planner
- New to Australia: DASP, working holiday tax, temporary resident salary, tax residency check, international student tax
- Family & Benefits: Child Care Subsidy, Family Tax Benefit
- Trackers (Premium): income, dividends, super contributions

## Pages

- [Homepage](https://ozfinancehub.com.au/)
- [All Calculators](https://ozfinancehub.com.au/tools)
- [Blog & Guides](https://ozfinancehub.com.au/blog)
- [Rates & Markets](https://ozfinancehub.com.au/rates)
- [Premium](https://ozfinancehub.com.au/premium)
- [Sitemap](https://ozfinancehub.com.au/sitemap.xml)