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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Sole Trader Tax
Income tax, GST, BAS estimates and recommended tax set-aside % for Australian sole traders and freelancers.
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Net Worth Tracker
Calculate and track your personal net worth. Asset allocation, ABS benchmark comparison, and goal projection.
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Payslip Decoder
Verify your PAYG tax withholding and 12% super are correct. Understand every payslip line item.
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Rentvesting Calculator
Compare rentvesting vs buying to live vs just renting. See wealth over 10 and 20 years including negative gearing.
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Novated Lease
See your tax saving with a novated lease. FBT calculation, ECM contribution, EV exemption, and year-by-year saving.
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Redundancy Calculator
Calculate your tax-free redundancy amount, ETP tax, unused leave entitlements and Fair Work minimums.
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Age Pension
Estimate your Centrelink Age Pension under the assets test and income test. Includes deeming and maximisation tips.
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Refinancing Calculator
Monthly saving, break-even point and total interest saved by switching home loans. Compare up to 3 lenders.
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Offset Account
See exactly how much interest your offset account saves and how many years it cuts from your mortgage.
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Salary Packaging
NFP and healthcare workers: calculate your FBT-exempt packaging tax saving. Up to $15,900 per year.
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Land Tax Calculator
Land tax for all states — NSW, VIC, QLD, SA, WA, TAS and ACT. Includes foreign owner surcharges.
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Dollar Cost Averaging
DCA vs lump sum comparison with Monte Carlo simulation. See how regular investing beats market timing.
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Pay Calculator
2025-26 ATO rates · updates as you type
Income Details
Turn on if your package already includes SGC
17.5% loading on 4 weeks annual leave
Tax Rate Gauge
Breakdown
Income Breakdown
Calculated using 2025-26 ATO rates · Super: 12% SGC · LITO applied