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RBA Cash Rate
4.10%
•
AUD → USD
0.6860
•
AUD → EUR
0.5974
•
Bitcoin (AUD)
$98,067
-0.13%
•
Ethereum (AUD)
$2,990
+0.31%
RBA Cash Rate
4.10%
•
AUD → USD
0.6860
•
AUD → EUR
0.5974
•
Bitcoin (AUD)
$98,067
-0.13%
•
Ethereum (AUD)
$2,990
+0.31%
All rates
All Calculators
Australian finance calculators. ATO-based and free. Save and export with Premium.
Browse by category
Income & Tax
Retirement & Super
Student Loans
Investments
Housing
Savings
Family & Benefits
New to Australia
Trackers
Tax Planning
Featured calculators
Salary Tax Calculator
Calculate your take-home pay after tax, Medicare levy and other deductions
Superannuation Calculator
Calculate your super balance, employer contributions and retirement projections
Salary Sacrifice Super Calculator
Calculate tax savings from salary sacrificing to super
HELP/HECS Calculator
Project your student loan repayment timeline and total cost
Dividends Calculator
Calculate dividend tax and understand franking credit benefits
Mortgage Calculator
Estimate repayments and total interest for a home loan
Compound Interest Calculator
See how your savings grow over time with compounding
DASP Calculator
Estimate how much super you get back when leaving Australia
Income & Tax
Salary Tax Calculator
Calculate your take-home pay after tax, Medicare levy and other deductions
Redundancy Pay Calculator
Estimate your NES redundancy pay based on years of service and base rate
Leave Payout Calculator
Estimate annual leave and long service leave payout on termination
Tax Bracket Explorer
Explore Australian tax brackets and calculate your tax
Income Range Comparison
Compare take-home pay across different income levels
Inflation Impact Calculator
Calculate the real impact of inflation on your income
Salary Packaging Calculator
Calculate tax savings from salary packaging including novated leases
Medicare Levy Surcharge Calculator
See if you pay MLS and how much (ATO thresholds)
Pay Rise Calculator
See how much of your pay rise you actually take home after tax
Tax Refund Estimator
Estimate your tax refund or amount owing
Division 293 Tax Calculator
Extra 15% tax on concessional super when income + contributions exceed $250k
Tax Withholding Helper
Estimate how much tax to have withheld per pay to break even
Payroll Tax Estimator
Estimate payroll tax by state (for employers)
Second Job Tax Helper
Two jobs? How much to have withheld from the second job so you don't get a bill
Work From Home Deduction Calculator
Compare fixed rate (70c/hr) vs actual cost method to maximise your WFH tax deduction
Car Expense Calculator
Compare cents per km (88c/km) vs logbook method to maximise your work-related car deduction
Bonus & Overtime Tax Calculator
See exactly how much of your bonus or overtime you take home — taxed at your marginal rate, not a special rate
Retirement & Super
Superannuation Calculator
Calculate your super balance, employer contributions and retirement projections
Salary Sacrifice Super Calculator
Calculate tax savings from salary sacrificing to super
Salary Sacrifice vs After-Tax Super
Compare the same amount in super as sacrifice or after-tax with a deduction
Find Lost Super
Guide and links to search for lost and ATO-held super
First Home Super Saver (FHSS)
Estimate how much you can withdraw from super for your first home deposit
Super Drawdown Calculator
See how long your super will last with a given annual drawdown
Super Guarantee Calculator
Calculate your employer super guarantee contributions
Super Contribution Optimiser
How much to salary sacrifice? Optimise for caps, tax and Division 293
Government Super Co-contribution
Up to $500 free from the government — see if you qualify and how much you'll receive
Spouse Super Contribution Calculator
Contribute to your spouse's super and claim up to $540 tax offset (spouse income under $40,000)
Student Loans
HELP/HECS Calculator
Project your student loan repayment timeline and total cost
HELP Repayment Threshold
View HELP and HECS repayment thresholds and rates
Investments
Dividends Calculator
Calculate dividend tax and understand franking credit benefits
Franking Credits Calculator
Calculate franking credit tax offset from Australian dividends
Capital Gains Tax Calculator
Calculate CGT on the sale of shares or property
Rental Yield Calculator
Calculate gross and net rental yield plus cash flow at different rates
Negative Gearing Calculator
Calculate investment property cash flow, tax benefit and true out-of-pocket cost after negative gearing deductions
Investment Strategy Comparator
Compare ETF vs super vs offset vs property
Housing
Mortgage Calculator
Estimate repayments and total interest for a home loan
Rent vs Buy Calculator
Compare renting vs buying over 5 and 7 years
LMI Calculator
Estimate Lenders Mortgage Insurance when your deposit is under 20%
Home Deposit Calculator
See how long to save for your home deposit
Stamp Duty Calculator
Calculate stamp duty costs for property purchases
Borrowing Power Calculator
Estimate how much you can borrow for a home loan
Offset Account Calculator
See how much interest you save with an offset account on your mortgage
Refinance Break-Even Calculator
How many months until refinancing pays off? Compare rates and fees
Mortgage Strategy Optimiser
Compare extra repayments, offset and lump sums side by side
First Home Owner Grant (FHOG)
Grant amounts and eligibility by state and territory
Savings
Compound Interest Calculator
See how your savings grow over time with compounding
Term Deposit Calculator
Calculate interest earned, after-tax return and compare terms for Australian term deposits
Monthly Budget Calculator
Income vs categories: see surplus or shortfall and breakdown
Savings Goals Calculator
Calculate how long to reach your savings goal
Debt Payoff Calculator
Snowball or avalanche: see how long to become debt-free
Emergency Fund Calculator
Plan how much to save for emergencies (months of expenses)
FIRE Projection Planner
Project when you reach financial independence
Family & Benefits
Child Care Subsidy
Calculate your Child Care Subsidy entitlement
Family Tax Benefit
Estimate your Family Tax Benefit payments
New to Australia
DASP Calculator
Estimate how much super you get back when leaving Australia
Temporary Resident Take-Home
Take-home pay with no tax-free threshold (visa holders)
Working Holiday Maker Tax
Backpacker tax calculator — take-home pay on a working holiday visa
Tax Residency Quick Check
Am I an Australian tax resident? Quick check your tax residency status
Trackers
Income Tracker
Log pay and income over time, see YTD and history (Premium)
Dividend Tracker
Log dividends and see totals for the year (Premium)
Super Contributions Tracker
Track super contributions against ATO caps (Premium)
Expense Tracker
Track spending by category, YTD and CSV export (Premium)
Tax Planning
End of Financial Year Checklist
Complete checklist for preparing your tax return
Tax Return Checklist
Everything you need to prepare and lodge your tax return