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Oz Finance Hub publishes 92+ calculators under a business name rather than an author's, so there is no reputation for you to take on trust. This is the substitute: which body publishes each figure we compute with, what checks it and how often, and — the part that makes the rest worth anything — what we do not check, do not have and do not yet do.
Every count, date and list on this page is computed from the repository when the page is built. None of it is typed into the copy, because a hand-written list of sources is wrong the day somebody adds a source.
The automated sweep last ran clean on 12 August 2026 — no figure it can read had moved on its source page. That date speaks for the 89 readable figures and for nothing else. The 16 it cannot read carry their own dates instead, the oldest being 27 July 2026, and this page keeps the two apart on purpose.
105 individual figures are registered across 20 figure families. Each one names the body it was read off and the page it was read from, and each is re-checked as described in the next section. Nothing on this site takes a rate from a secondary summary or another calculator site.
| Figure family | Published by | Figures | Checked |
|---|---|---|---|
| Resident income tax rates and thresholds | the ATO | 5 | automated |
| Low income tax offset | the ATO | 3 | automated |
| Medicare levy and its low-income thresholds | the ATO | 5 | automated |
| Medicare levy surcharge thresholds | the ATO | 5 | automated |
| HELP/HECS repayment thresholds and rates | the ATO | 5 | automated |
| Super Guarantee rate and maximum contribution base | the ATO | 4 | automated |
| Concessional and non-concessional contributions caps | the ATO | 2 | by hand |
| Account-based pension minimum drawdown factors (SIS Schedule 7) | the ATO | 7 | automated |
| Cents-per-kilometre rate and car cost limit | the ATO | 2 | by hand |
| Working holiday maker tax rates | the ATO | 2 | automated |
| Foreign resident tax rates | the ATO | 2 | automated |
| Departing Australia Superannuation Payment tax rates | the ATO | 3 | automated |
| National minimum wage | the Fair Work Ombudsman | 2 | automated |
| Age Pension maximum payment rates | Services Australia | 2 | automated |
| Age Pension assets and income tests | Services Australia, the Department of Social Services | 6 | automated + by hand |
| Deeming rates and thresholds | Services Australia | 3 | automated |
| ASFA Retirement Standard budgets | the ASFA Retirement Standard | 7 | by hand |
| State and territory land tax scales | Revenue NSW, the Victorian State Revenue Office, the Queensland Revenue Office, RevenueSA, the WA Department of Treasury and Finance, the Tasmanian State Revenue Office, the ACT Revenue Office, the Northern Territory Government | 15 | automated + by hand |
| State and territory payroll tax thresholds and rates | Revenue NSW, the Victorian State Revenue Office, the Queensland Revenue Office, the WA Department of Treasury and Finance, the harmonised national payroll tax table, the Tasmanian State Revenue Office, the ACT Revenue Office | 16 | automated |
| State and territory transfer (stamp) duty scalesPartial: NT conveyance duty is not published as text anywhere, so it cannot be watched | Revenue NSW, the Victorian State Revenue Office, the Queensland Revenue Office, the WA Department of Treasury and Finance, RevenueSA, the Tasmanian State Revenue Office, the ACT Revenue Office | 9 | automated + by hand |
A calculator cannot name a source freehand. It declares which figure families it puts on screen, and the badge under it can only name a body that some registered figure was actually read off — so the list below is the complete set, and it is the same list the badges draw from.
State and territory figures come from Revenue NSW (7), the Victorian State Revenue Office (5), the Queensland Revenue Office (5), RevenueSA (3), the WA Department of Treasury and Finance (5), the Tasmanian State Revenue Office (5), the ACT Revenue Office (5), the Northern Territory Government (1) and the harmonised national payroll tax table (4). None of these were watched at all for this registry's first year, which is exactly how ACT payroll tax sat six weeks stale, NT payroll tax over a year and South Australia's land tax thresholds a full year. That is why they are listed one by one now rather than as “state revenue offices”.
Each registered figure records the exact string we expect to find on the official page it came from. A scheduled run fetches every one of those pages and looks for that string. There are three outcomes, and they are deliberately not collapsed into a pass/fail: the figure is found, the page loaded but the figure is gone, or the page could not be read at all. Only the first counts as verified. The run exits non-zero on the second, so a rate that has drifted stops the run rather than sitting on the site.
A figure still being present is not proof it is still current, because government pages routinely keep last year's table below this year's — the Medicare levy thresholds page carries five prior years. So 10 of the 105 figures also carry the opposite test: a newer financial year's label appearing on the page means the figure we hold has been overtaken, whether or not the old one is still printed.
Only a passing run records a date. That date is what the badge under a calculator shows, so a badge going stale is itself the signal that the check has stopped passing or stopped running — the date cannot be typed by a page and cannot be advanced by hand.
16 of the 105 figures cannot be checked this way, and we do not pretend otherwise. Some of these bodies block scripted requests outright — the block keys off the connection fingerprint rather than the user-agent string, so there is no header that gets past it — and some pages build their tables in the browser, which leaves the figures simply absent from the HTML a script receives. Those land in an “unchecked” bucket and print their link on every run for a person to open. Each carries the date a person last confirmed it against the live page, and the badge over those figures shows that date instead of the sweep date. Borrowing the sweep date for them would reproduce the original defect in miniature: a fresh-looking date over a figure no machine has ever read.
When a figure has genuinely moved, two things change together: the registered expectation and the rate table the calculators compute from. Updating one without the other is the failure this registry is designed to make impossible to miss.
The bulk statistical series are different. They are re-fetched on a schedule from each agency's own machine-readable release — the ABS data API, the RBA's published statistical tables, APRA's published returns, the ATO's open dataset and the Consumer Data Right product feeds — and the numbers on the page change only when the agency publishes a new period, which for those series is monthly, quarterly or annual depending on the series.
Behind the 92+ calculators is a shared library of 79 calculation engines rather than per-page logic. One tax engine serves salary, pay rise, redundancy and dozens of others, so a correction in one place corrects all of them.
72 of the 79 are exercised by at least one automated test that runs before anything reaches the site. That leaves 7 with no test of their own. This site previously claimed every engine was tested against worked examples; that was untrue for twelve of them at the time, so the number is now counted from the repository rather than asserted.
Of those engines, 3 are reconciled against an outside authority's own calculator rather than against our previous answer: the superannuation projection, the account-based pension and the retirement-phase drawdown, each pinned figure-for-figure to ASIC's own Moneysmart calculators. The rest are checked against the published rules and worked examples they implement. That is weaker evidence, and it is worth being plain about the difference — a test that compares an engine to its own earlier output cannot notice that both were wrong.
Real defects have been found this way and are worth naming rather than burying: an income test applied to the wrong income, a family threshold applied per child instead of per family, a super projection that omitted the 15% contributions tax, a low income tax offset with the right maximum and the wrong taper. Each was fixed with the test that would have caught it.
This is the section that decides whether the rest of the page is worth reading. Each item below is recorded in the repository as a gap, not written here as a gesture, so it disappears from this page when it is actually closed and not before.
NT conveyance duty is not published as text anywhere, so it cannot be watched. Because the coverage is partial, no page on this site is allowed to display a verification badge over these figures at all — a badge that covered most jurisdictions would be broader than the thing backing it.
Median prices are Oct–Dec 2025 and cover NSW, VIC and SA only — the jurisdictions that publish an openly licensed suburb median we are allowed to republish. QLD, WA, TAS, NT and ACT publish no such source, so their suburbs are left out of any ranked affordability list entirely rather than scored on older or unlicensed data. Buying a commercial price feed would close this. We have not bought one, so a ranked list here is never a claim that nowhere else fits.
20 figure families are registered and watched. A calculator can legitimately use a figure outside them, and where it does, no verification badge appears under it — silence rather than a weaker claim. An unbadged calculator is not an untrustworthy one; it is one whose figures nothing on this site is watching for you.
7 of 79 engines have no automated test. Of the 72 that do, only 3 is checked against an independent calculator; the rest are checked against the rules they implement. For most of what this site computes there is no outside oracle to check against — no regulator publishes a reference implementation of, say, a novated lease or a redundancy payout — so the honest statement is that those answers rest on our reading of the rule and the source we link beside it.
Publishing a calculator that touches a financial product without a licence depends on an ASIC class exemption, and the exemption has conditions. We audited ourselves against the instrument's own text condition by condition. These are the ones we do not currently satisfy.
Two related things this site does not claim: the relief covers a calculator's numerical output and a description of it, so it does not reach editorial commentary printed beside a calculator, and it does not cover superannuation at all — a separate instrument does, with separate conditions.
Not a licensed financial adviser, not a credit assistance provider and not a registered tax agent — deliberately none of the three. No calculator here is a recommendation to do anything, and nothing on this site is a substitute for advice about your own circumstances. See the disclaimer for the full statement.
Wrong figures get here two ways. The scheduled check catches a rate that has moved on its source page. Everything else — a rule read the wrong way, a taper applied to the wrong band, a threshold that is right for one year and wrong for another — is found by a person, and often that person is a reader.
If a number here looks wrong, email hello@ozfinancehub.com.au with the page and what you expected. That is the same mailbox on the contact page and in the privacy policy, monitored rather than decorative. We treat a report as a possible defect until we have checked the source ourselves, not as a ticket to close.
A confirmed correction changes the registered figure, the rate table the engines compute from and — where one is possible — the test that would have caught it. We are not going to promise a response time we have not measured, so there is no service-level claim on this page. What we will say is what the record shows: every version of every calculator and every rate table is retained in version control with the date it changed, so a correction is auditable rather than a quietly edited number.
Where we republish somebody else's public dataset, these are the terms it comes under. They are not uniform and we do not flatten them — an earlier version of one page tagged a Reserve Bank table as Creative Commons when the RBA's own copyright notice governs its statistical data instead. That overclaim is the reason this list is per-dataset.
The suburb figures are a compiled dataset drawing on several sources, each carrying its own attribution requirement, listed here from the dataset's own metadata rather than from memory.
Our own presentation of that data — the scores, the rankings and the derived measures built on top of it — is ours. The underlying data is not, agencies revise their figures after publication, and we cannot vouch for somebody else's numbers. Every page that uses them links the source so you can check.
Oz Finance Hub, an Australian business, ABN 18 941 910 291. There is deliberately no personal byline: what should stand behind a figure here is the documented process and the primary source linked beside it, not somebody's reputation. That cuts both ways, which is why this page exists — with no name to trade on, the process has to be inspectable instead.
This process runs independently of how the site is funded. See how we make money for what pays for it, editorial standards for the shorter version of this page and the disclaimer for what this site is not.