Free Australian calculators that actually work.
Plain-English finance and tax tools, built to give you instant answers. No signup. No email harvesting. No pop-ups. Current data, accurate calculations, transparent assumptions.
Most-used tools
See all →Stamp Duty Calculator
Calculate transfer duty for any Australian state — first home buyer concessions and foreign buyer surcharges included.
Income Tax & Take-home Pay Calculator
See your take-home pay, income tax, Medicare and HECS withholding under 2025–26 rates. Annual, monthly, fortnightly, weekly.
Payday Super 2026 Guide & Readiness Check
From 1 July 2026 employers must pay super every payday. Plain-English guide + a free readiness checklist for your business.
Compound Interest Calculator
Project your savings or investments over time with regular contributions and compounding.
Novated Lease Calculator
Calculate tax savings on a salary-packaged car, including the EV FBT exemption.
All tools by category
Click any tool to start calculating instantly — no signup required.
Property & loans
Buying a home, mortgages, and the big upfront costs
Stamp Duty Calculator
Calculate transfer duty for any Australian state — first home buyer concessions and foreign buyer surcharges included.
Mortgage Repayment Calculator
Work out home loan repayments by amount, rate, term, and frequency. Models offset and extra repayments.
Start-up Cost & Runway Calculator
Work out your total upfront cost, monthly burn, cash after setup, and how many months of runway you have before the business needs to pay for itself.
Break-even Calculator
Work out the units and revenue you need each month to cover your costs, your contribution margin, and the sales needed to hit a profit target.
Tax & salary
Income tax, HECS, GST, salary packaging
Income Tax & Take-home Pay Calculator
See your take-home pay, income tax, Medicare and HECS withholding under 2025–26 rates. Annual, monthly, fortnightly, weekly.
HECS-HELP Repayment Calculator
Calculate your annual HECS repayment under the new 2025–26 marginal-rate system.
GST Calculator
Add or remove GST from any amount. Useful for invoices, BAS, and pricing decisions for ABN holders.
Payday Super 2026 Guide & Readiness Check
From 1 July 2026 employers must pay super every payday. Plain-English guide + a free readiness checklist for your business.
Novated Lease Calculator
Calculate tax savings on a salary-packaged car, including the EV FBT exemption.
Savings & investing
Long-term wealth building, compound interest
Currency & travel
Sending money, travel money, exchange rates
Why we built these
Most Australian finance calculators are either gated behind email signups, riddled with intrusive ads, outdated, or written for accountants instead of regular people.
Every calculator here is free, instant, mobile-friendly, and explained in plain English. We make money from honest display ads and clearly-marked affiliate links — never from your data.
Our calculation principles
- Real published rates — not estimates or rounded numbers
- Sources cited in every tool's notes section
- Updated each financial year (1 July) — no stale calculators
- State-specific concessions and surcharges where applicable
- "Estimate only" disclaimers everywhere — never financial advice