Free Online Calculators for Australians

Income Tax Calculator 2025-26

Calculate your Australian income tax, Medicare levy and take-home pay for the 2025-26 financial year based on current ATO tax rates.

GST Calculator

Add or remove 10% GST (Goods and Services Tax) from any amount. Quick calculation for invoicing and business accounting.

HECS-HELP Repayment Calculator

Estimate your HECS-HELP student loan repayments based on the new 2025-26 marginal repayment rates and your income.

Tax Return Estimator

Estimate your tax refund or tax payable for 2025-26. Includes common deductions like work-from-home and vehicle expenses.

Pay Calculator

Calculate your take-home pay after tax, super and HECS. Convert between hourly, weekly, fortnightly and annual salary.

Hourly to Salary Calculator

Convert your hourly rate to annual salary or vice versa. Based on standard 38-hour Australian work week.

Mortgage Repayment Calculator

Calculate your monthly home loan repayments, total interest and compare principal & interest vs interest-only options.

Borrowing Power Calculator

Estimate how much you can borrow based on your income, expenses and existing debts. Uses standard Australian lending criteria.

Stamp Duty Calculator

Calculate stamp duty (transfer duty) for all Australian states and territories. Includes first home buyer concessions.

Superannuation Calculator

Estimate your super balance at retirement based on your age, salary and the current 12% super guarantee. See how extra contributions and investment returns compound over time.

Salary Sacrifice Calculator

Calculate the tax savings from salary sacrificing into super. Compare your take-home pay with and without salary sacrifice.

Car Loan Calculator

Calculate your car loan repayments, total interest and compare different loan terms. Includes balloon payment option.

First Home Buyer Calculator

Calculate grants, stamp duty exemptions and savings schemes available to first home buyers in each state.

BMI Calculator

Calculate your Body Mass Index (BMI) and find out which weight category you fall into based on your height and weight.

Health

Percentage Calculator

Calculate percentages, percentage increase/decrease, and what percentage one number is of another.

Compound Interest Calculator

Calculate compound interest on your savings or investments. See how your money grows with different compounding frequencies.

Novated Lease Calculator

Calculate savings from a novated lease arrangement. Compare pre-tax vs post-tax car costs, including GST savings and FBT. EVs are FBT exempt.

Rent vs Buy Calculator

Should you rent or buy in Australia? Compare the total cost of renting versus buying a home over 5-10 years including equity, opportunity cost, and stamp duty.

Battery Storage Payback Calculator

Calculate how long a home battery system takes to pay for itself. Compare Tesla Powerwall, BYD, and other batteries with your electricity rates and solar export.

Energy

Centrelink Payment Calculator

Estimate your Centrelink payment including JobSeeker, Age Pension, and Parenting Payment. Includes income test, assets test, and Rent Assistance.

LMI Calculator

Estimate Lenders Mortgage Insurance based on your loan amount and LVR. See how LMI capitalises into your loan.

Refinance Calculator

Compare your current home loan to a new loan. See monthly savings, break-even period and total interest saved including refinance costs.

Family Tax Benefit Calculator

Estimate your Family Tax Benefit (FTB) Part A and Part B fortnightly and annual entitlement based on family income and number of children.

Childcare Subsidy Calculator

Calculate your Child Care Subsidy (CCS) percentage and out-of-pocket gap fees based on family income and care type.

Bonus Tax Calculator

Calculate PAYG withholding on your bonus or back payment using ATO Schedule 5 Method B(ii). See your net bonus after tax.

Account-Based Pension Calculator

Calculate minimum pension drawdown amounts and project your account-based pension balance over time. Includes age-based percentages.

Crypto Tax Calculator

Calculate Capital Gains Tax (CGT) on crypto assets including Bitcoin, Ethereum, and altcoins. Includes 50% CGT discount for assets held over 12 months.

Budget Planner (50/30/20)

Plan your monthly budget using the 50/30/20 rule. Allocate income to Needs, Wants and Savings. Track surplus and savings rate.

Sole Trader vs Pty Ltd Calculator

Compare tax outcomes of running your business as a sole trader versus a Pty Ltd company. Includes 25%/30% company tax, dividend imputation and franking credits.

Working from Home Deduction Calculator

Compare the ATO fixed rate ($0.70/hr 2025-26) versus actual cost method for your work-from-home tax deduction.

Car Logbook vs Cents-per-km Calculator

Choose between the cents-per-km method (88c x km up to 5,000) and the logbook method based on actual costs and work-use percentage.

SMSF Cost Break-Even Calculator

Compare SMSF annual costs to retail/industry super fees. See when an SMSF becomes cost-effective based on your balance.

Property Depreciation Calculator (Div 40 & 43)

Estimate Div 43 capital works (2.5%/yr) and Div 40 plant & equipment depreciation deductions for your investment property.

Interest-Only vs P&I Calculator

Compare interest-only and principal & interest loans. See total interest cost and the payment shock when IO ends.

Split Loan Calculator

Calculate repayments on a fixed/variable split home loan. Test rate-shock scenarios and compare to all-fixed or all-variable.

Property Investment ROI Calculator (10-year)

Project your investment property return over 10 years including capital growth, rent, repayments, expenses and tax benefits.

Parental Leave Pay Calculator

Estimate your government Paid Parental Leave entitlement (22 weeks at NMW for 2025-26) including 12% super and tax.

Life & TPD Insurance Coverage Calculator

Calculate how much Life, TPD, Income Protection and Trauma cover you need using DIME or needs-based methods.

Transfer Balance Cap Calculator

Calculate how much super you can transfer to retirement (pension) phase. Personal TBC is $2.0M for 2025-26 and depends on when you started a pension.

Spouse Super Contribution Tax Offset Calculator

Calculate the $540 tax offset for contributing to your low-income spouse’s super. Phases out between $37k and $40k spouse income.

DASP Calculator (Departing Australia Super)

Calculate your Departing Australia Superannuation Payment for working holiday visa (65% withholding) or other temporary visas (35%/45%).

Net Worth Calculator

Calculate your total net worth (assets minus liabilities). Compare to Australian medians for your age group.

Debt Snowball vs Avalanche Calculator

Compare two debt payoff strategies side-by-side: snowball (smallest balance first) vs avalanche (highest rate first). Track months to debt-free and total interest.

FIRE Calculator (Financial Independence)

Calculate your FIRE number (25× spending) and how many years until financial independence. Includes Lean FIRE, Coast FIRE and Fat FIRE variants.

Mortgage vs Invest Calculator

Compare paying extra into your mortgage vs investing that money in shares/ETFs. See after-tax wealth at your chosen horizon.

Working Holiday Visa Tax Calculator

Calculate Australian tax for working holiday makers (visa 417/462). 15% from the first dollar to $45k, then 30% to $135k.

Medicare Levy Calculator

Calculate your Medicare levy (2%) and check if the Medicare levy surcharge applies based on your income and private health cover.

Capital Gains Tax Calculator

Calculate CGT on shares, property or other assets. Includes the 50% CGT discount for assets held over 12 months.

Overtime Calculator

Calculate overtime pay rates including time-and-a-half and double-time based on your base hourly rate and award conditions.

Redundancy Pay Calculator

Calculate your minimum redundancy entitlements based on your years of continuous service under the Fair Work Act.

Extra Repayment Calculator

See how much time and interest you can save by making extra repayments on your home loan.

Offset Account Calculator

Calculate how much interest you can save with an offset account against your home loan.

Employer Super Calculator

Calculate employer super guarantee contributions at the current 12% rate. Includes maximum contribution base thresholds.

Super Contribution Calculator

Work out your concessional and non-concessional contribution caps. Includes carry-forward unused contributions.

Personal Loan Calculator

Calculate monthly repayments and total cost for a personal loan. Compare secured vs unsecured loan options.

Credit Card Payoff Calculator

Find out how long it will take to pay off your credit card and how much interest you will pay.

Rental Yield Calculator

Calculate gross and net rental yield for investment properties. Includes common expenses and vacancy rates.

Negative Gearing Calculator

Calculate the tax benefit of negative gearing an investment property. Includes depreciation and all deductible expenses.

Payroll Tax Calculator

Calculate payroll tax for each state and territory based on your total wages and applicable thresholds.

ABN Lookup Tool

Look up Australian Business Numbers (ABN) and verify GST registration status for any business.

BAS Calculator

Calculate your Business Activity Statement amounts including GST collected, GST paid, and PAYG instalments.

Calorie Calculator

Calculate your daily calorie needs based on your age, gender, height, weight and activity level.

Health

Pregnancy Due Date Calculator

Calculate your estimated due date based on your last menstrual period or conception date.

Health

Fuel Cost Calculator

Calculate your fuel costs for a trip based on distance, fuel consumption and current Australian petrol prices.

EV Savings Calculator

Compare the running costs of an electric vehicle vs a petrol car. Includes charging costs, rego savings and FBT exemption.

Electricity Cost Calculator

Calculate your electricity costs based on appliance usage, wattage and your electricity rate per kWh.

Energy

Solar Savings Calculator

Estimate your savings from installing solar panels based on your location, system size and current electricity costs.

Energy

Inflation Calculator

Calculate the impact of inflation on purchasing power using historical Australian CPI data from the ABS.

Unit Converter

Convert between metric and imperial units. Includes length, weight, temperature, area and volume conversions.

Contractor vs Employee Calculator

Compare take-home pay as a contractor (ABN) versus an employee. See the real difference including super, leave, GST, and hidden costs.

Equity & LVR Calculator

Calculate your home equity, LVR (loan-to-value ratio), and usable equity for your next investment property.

Comparison Rate Calculator

Calculate the true cost of a loan including fees per ASIC NCCP regulations. See nominal rate vs comparison rate.

Annual Leave Accrual Calculator

Calculate your accrued annual leave hours and dollar value based on your years of service and hourly rate. Includes 17.5% leave loading.

Long Service Leave Calculator

Calculate your long service leave entitlement by Australian state. Different states have different qualifying periods and entitlements.

Super Co-Contribution Calculator

Check if you are eligible for the government super co-contribution. Get up to $500 free money in your super by contributing $1,000 after-tax.

Franking Credits Calculator

Calculate franking credits on dividends from Australian shares. See your grossed-up dividend, tax payable and refund (if applicable).

Total Car Ownership Calculator

Calculate the true 5-year cost of car ownership including depreciation, fuel/charging, insurance, rego, servicing, tyres and finance.

Fringe Benefits Tax Calculator

Calculate FBT liability on employee benefits including car fringe benefits, using the current 47% FBT rate.

PAYG Withholding Calculator

Calculate the correct PAYG withholding amount for your employees based on current ATO tax tables.

Leave Loading Calculator

Calculate your annual leave loading (17.5%) and total holiday pay entitlements.

NSW Stamp Duty Calculator

Calculate stamp duty (transfer duty) in New South Wales. First home buyers may be exempt on properties up to $800,000.

VIC Stamp Duty Calculator

Calculate stamp duty (land transfer duty) in Victoria. First home buyers exempt up to $600,000 with concessions to $750,000.

QLD Stamp Duty Calculator

Calculate transfer duty in Queensland. First home buyers may pay no duty on properties up to $700,000.

WA Stamp Duty Calculator

Calculate transfer duty in Western Australia. First home buyers exempt up to $430,000 with concessions to $530,000.

SA Stamp Duty Calculator

Calculate stamp duty in South Australia. SA has no specific first home buyer stamp duty exemption — check the First Home Owner Grant instead.

TAS Stamp Duty Calculator

Calculate stamp duty in Tasmania. First home buyers may be exempt on properties up to $750,000.

ACT Stamp Duty Calculator

Calculate stamp duty (conveyance duty) in the ACT. First home buyers exempt up to $1,000,000 — the most generous threshold in Australia.

NT Stamp Duty Calculator

Calculate stamp duty in the Northern Territory. NT uses a unique formula-based calculation rather than standard bracket rates.

Division 293 Tax Calculator

Check if you need to pay the extra 15% Division 293 tax on super contributions if your income exceeds $250,000.

Loan Comparison Calculator

Compare two loans side by side to see the difference in repayments, total interest and total cost.

Land Tax Calculator

Calculate land tax for each Australian state and territory based on your land value and ownership type.

Rego Cost Calculator

Estimate vehicle registration costs by state including CTP insurance, stamp duty and other fees.

NSW First Home Buyer Calculator

Calculate first home buyer benefits in NSW including $10,000 FHOG for new homes, stamp duty exemption up to $800,000, and shared equity schemes.

VIC First Home Buyer Calculator

Calculate first home buyer benefits in Victoria including $10,000 FHOG, stamp duty exemption up to $600,000, and concessions to $750,000.

QLD First Home Buyer Calculator

Calculate first home buyer benefits in Queensland including $30,000 FHOG for new homes and stamp duty concession up to $700,000.

WA First Home Buyer Calculator

Calculate first home buyer benefits in Western Australia including $10,000 FHOG, stamp duty exemption up to $430,000, and Keystart loans.

SA First Home Buyer Calculator

Calculate first home buyer benefits in South Australia including $15,000 FHOG for new homes. SA has no stamp duty exemption for first home buyers.

TAS First Home Buyer Calculator

Calculate first home buyer benefits in Tasmania including $30,000 FHOG for new homes and 50% stamp duty discount on existing homes up to $750,000.

ACT First Home Buyer Calculator

Calculate first home buyer benefits in the ACT including $7,000 FHOG and full stamp duty exemption up to $1,000,000 — the most generous in Australia.

NT First Home Buyer Calculator

Calculate first home buyer benefits in the Northern Territory including $10,000 FHOG and stamp duty concessions for homes up to $650,000.

NSW Land Tax Calculator

Calculate land tax in NSW. Tax-free threshold is $1,075,000 for general rate and $6,571,000 for premium rate. Investment properties only.

VIC Land Tax Calculator

Calculate land tax in Victoria. General threshold is just $50,000 — the lowest in Australia. Includes the temporary COVID debt surcharge (2024-2033). Absentee owner surcharge is 4%.

QLD Land Tax Calculator

Calculate land tax in Queensland. Tax-free threshold is $600,000 for individuals. QLD now includes interstate land holdings in assessments.

WA Land Tax Calculator

Calculate land tax in Western Australia. Threshold is $300,000 with rates from 0.25% to 2.67%. Metropolitan region levy may also apply.

SA Land Tax Calculator

Calculate land tax in South Australia. Tax-free threshold is $833,000 with rates from 0.5% to 2.4%. SA uses a progressive bracket system.

TAS Land Tax Calculator

Calculate land tax in Tasmania. Threshold is $125,000 (from 1 July 2025) with rates from 0.55% to 1.5%. Principal residence is exempt.

ACT Land Tax Calculator

Calculate land tax in the ACT. Fixed charge plus marginal rates on Average Unimproved Value (AUV). Applies to all non-principal-residence properties.

NT Land Tax Calculator

The Northern Territory does not charge land tax — it is the only Australian jurisdiction without it. Calculate your savings compared to other states.

NSW Payroll Tax Calculator

Calculate payroll tax in NSW. Threshold is $1,200,000 with a rate of 5.45%. Includes the COVID surcharge and regional employer discount.

VIC Payroll Tax Calculator

Calculate payroll tax in Victoria. Threshold increased to $1,000,000 from 1 July 2025. Standard rate is 4.85% with a surcharge above $10M.

QLD Payroll Tax Calculator

Calculate payroll tax in Queensland. Threshold is $1,300,000 with a rate of 4.75%. Discount of 1% for regional employers.

WA Payroll Tax Calculator

Calculate payroll tax in Western Australia. Threshold is $1,000,000 with a rate of 5.5%. Regional employers may qualify for reduced rates.

SA Payroll Tax Calculator

Calculate payroll tax in South Australia. Threshold is $1,500,000 with a rate of 4.95%. Small business exemption applies below threshold.

TAS Payroll Tax Calculator

Calculate payroll tax in Tasmania. Threshold is $1,250,000 with the lowest rate in Australia at 4%. Tasmanian businesses benefit from the lowest payroll tax burden.

ACT Payroll Tax Calculator

Calculate payroll tax in the ACT. Threshold is $2,000,000 — the highest in Australia — with a rate of 6.85%.

NT Payroll Tax Calculator

Calculate payroll tax in the Northern Territory. Threshold increased to $2,500,000 from 1 July 2025 with a rate of 5.5%.

NSW Rego Cost Calculator

Estimate annual vehicle registration costs in NSW including rego fee, CTP Green Slip insurance, and admin fees for cars, EVs, and motorcycles.

VIC Rego Cost Calculator

Estimate annual vehicle registration costs in Victoria including TAC premium. VIC offers $100 EV rego discount.

QLD Rego Cost Calculator

Estimate annual vehicle registration costs in Queensland. QLD has some of the cheapest CTP insurance in Australia.

WA Rego Cost Calculator

Estimate annual vehicle registration costs in Western Australia for cars, EVs, and motorcycles.

SA Rego Cost Calculator

Estimate annual vehicle registration costs in South Australia including CTP and Emergency Services Levy.

TAS Rego Cost Calculator

Estimate annual vehicle registration costs in Tasmania. TAS offers 50% rego discount for electric vehicles.

ACT Rego Cost Calculator

Estimate annual vehicle registration costs in the ACT. Zero-emission vehicles get FREE registration in the ACT.

NT Rego Cost Calculator

Estimate annual vehicle registration costs in the Northern Territory for cars, EVs, and motorcycles.