Free Financial Calculators
Make informed financial decisions with our free Australian calculators. Updated with the latest tax rates and regulations.
Pay Calculator
Calculate your take-home pay, income tax, Medicare levy, and superannuation with the latest 2025-26 Australian tax rates.
Use calculatorHECS / HELP Repayment Calculator
Estimate your compulsory HECS or HELP student loan repayment for 2025-26 using ATO marginal rates. Threshold $67,000.
Use calculatorRefinance Calculator
Compare your current home loan to a new rate and term. Estimate monthly savings, total interest saved and refinance break-even time.
Use calculatorRent vs Buy Calculator
Compare renting and investing versus buying a home in Australia. See which option leaves you better off over time.
Use calculatorCapital Gains Tax Calculator
Estimate CGT when you sell an Australian investment property. Include buying and selling costs, apply the CGT discount, and see your after-tax profit.
Use calculatorSuper Contribution Calculator
Estimate your salary sacrifice tax saving, check 2025-26 concessional and non-concessional caps, see Division 293 impact, and project your super balance.
Use calculatorRetirement Calculator
Project your super balance at retirement, estimate your Age Pension, and see whether your savings will last. Compare to ASFA comfortable and modest standards.
Use calculatorMortgage Repayment Calculator
Calculate your home loan repayments, total interest payable, and view a yearly amortization schedule for your mortgage.
Use calculatorNegative Gearing Calculator
Calculate your tax savings from investment property losses. See how negative gearing reduces your taxable income.
Use calculatorProperty ROI Calculator
Analyse potential returns on Australian property investments including stamp duty, rental yield, and capital growth projections.
Use calculatorInvestment Calculator
Calculate compound interest and see how your investments grow over time with regular contributions.
Use calculatorStamp Duty Calculator
Calculate stamp duty (transfer duty) for any Australian state or territory. Includes 2025-26 verified rates and first home buyer exemptions.
Use calculatorBorrowing Power Calculator
Estimate how much you can borrow for a home loan. Enter your income, expenses and existing debts to get an estimate using the APRA serviceability methodology.
Use calculatorGST Calculator
Add or subtract 10% GST to any amount. For amounts excluding or including GST. Quick tool for small business and BAS.
Use calculatorAbout Our Financial Calculators
Our free financial calculators are designed specifically for Australians. Whether you're planning your budget, considering a property investment, or growing your wealth through regular investments, these tools help you make informed decisions.
Why Use Our Calculators?
- Australian-specific: All calculations use current Australian tax rates, super rates, and stamp duty by state
- Always up-to-date: Updated with the latest 2025-26 financial year rates
- Free to use: No signup or registration required
- Privacy-focused: All calculations happen in your browser - we don't store your data
Have feedback or suggestions?
We'd love to hear from you. If you have ideas for improving our calculators or would like to request a new tool, please contact us at [email protected].