Rate changes, new calculators, and site improvements. We update Calk-AU whenever tax rates change, the Federal Budget is announced, or when we ship new features. Everything on this page is sourced from official Australian government data — see our Methodology page for details.
2026
Fix
Victorian stamp duty correction & further data checks
Corrected Victorian land transfer (stamp) duty for properties between $960,000 and $2,000,000, and above $2,000,000, to match the State Revenue Office's published rates exactly — the previous figures were understated by about $130 in those bands (a $1.5M home is $82,500, not $82,370; a $3M home is $175,000). Also refreshed Queensland car and WA motorcycle CTP premiums to their current 2025-26 amounts, and removed an outdated reference to APRA's interest-only lending cap (the 30% benchmark ended in January 2019).
Rate Update
First Home Guarantee expanded — income caps and place limits removed
From 1 October 2025 the federal Home Guarantee Scheme (now the 5% Deposit Scheme) dropped its income caps and the 35,000-place annual limit entirely — places are now unlimited and there is no income test. The same applies to the Family Home Guarantee 2% single-parent stream (previously capped at $125k income / 5,000 places). Property price caps were raised and are now set per capital (Sydney $1.5M, Melbourne $950k, Brisbane $1M, Canberra $1M, Perth $850k, Adelaide $900k, Hobart $700k, Darwin $600k). Our First Home Buyer calculator and state comparison reflect the new rules.
Rate Update
Child Care Subsidy '3 Day Guarantee' from January 2026
From 5 January 2026 the old CCS activity test was replaced by the '3 Day Guarantee': every eligible family automatically receives a minimum of 72 subsidised hours per fortnight (about 3 days a week) regardless of activity. The previous tiered structure (8-16 hrs activity → 36 hrs, 16-48 hrs → 72 hrs) is gone; the only remaining threshold is more than 48 hours of activity, which lifts entitlement to 100 hours. The Childcare Subsidy calculator now uses the new rules.
Rate Update
Vehicle registration & CTP costs refreshed for 2025-26
Updated registration and CTP/Green Slip figures across NSW, NT, ACT, WA and QLD against each state's current 2025-26 schedule (e.g. NSW average car CTP ~$608, NT engine-size based rego, WA mass-based licence fee). Important EV change: the ACT's free EV registration, Tasmania's 2-year EV concession and Victoria's $100 ZLEV discount have all ended — electric vehicles now pay the same registration as a comparable petrol car in those states.
Fix
Accuracy corrections: ACT first home grant, parental leave & state concessions
Several figures corrected to current 2025-26 values: the ACT no longer pays a cash First Home Owner Grant (abolished 1 July 2019, replaced by the Home Buyer Concession Scheme); Parental Leave Pay reserves 3 weeks (15 days) for the second parent for children born from 1 July 2025, rising to 4 weeks from July 2026; Queensland's first home vacant land concession and South Australia's $15,000 FHOG both had their property value caps removed.
Mobile App
Calk-AU iOS app released on the App Store
The Calk-AU app is now available on iOS for iPhone and iPad. All 124 calculators work offline, with calculation history, favourites, native sharing and dark mode. Free, no account required, no tracking — analytics and advertising are disabled in the iOS app. Built from the same codebase as the website, with content updated automatically over the air whenever rates or formulas change.
Feature
Faster page loads on chart calculators
The 8 calculators with charts (Super, Mortgage, Income Tax, Pay, Compound Interest, Salary Sacrifice, Offset, Car Loan) now load faster — charts are fetched only when needed, reducing initial load time by ~30%. Keyboard navigation and accessibility also improved.
New Calculator
Capital Gains Tax — property mode added
CGT calculator now handles investment properties properly: main residence exemption with pro-rata calculation, 6-year absence rule (rented your former home), capital improvements deduction, and carried-forward capital losses applied in the correct ATO order.
Fix
Family Tax Benefit under-payment fixed
Family Tax Benefit Part A now correctly picks the more generous of Method 1 vs Method 2 for incomes above the higher threshold (was under-paying). Account-Based Pension minimum drawdown now rounds correctly per SIS Reg 1.07A.
New Calculator
Big calculator update — 33 new calculators added
Three rounds of new calculators across all categories: LMI, Refinance, Family Tax Benefit, Childcare Subsidy, Bonus Tax, Comparison Rate, Annual Leave, Long Service Leave, Account-Based Pension, Super Co-Contribution, Franking Credits, Crypto Tax, Equity & LVR, Total Car Ownership, Budget Planner (50/30/20), Sole Trader vs Pty Ltd, Working from Home Deduction, Car Logbook vs Cents-per-km, SMSF Break-Even, Property Depreciation (Div 40 & 43), Interest-Only vs P&I, Split Loan, Property Investment 10-year ROI, Parental Leave Pay, Life/TPD/IP Coverage, Transfer Balance Cap, Spouse Super Contribution, DASP, Net Worth Tracker, Debt Snowball vs Avalanche, FIRE Calculator, Mortgage vs Invest, and Working Holiday Visa Tax. Plus: Super Calculator now shows how much extra to contribute to hit a target retirement income; Compound Interest now has VAS/VGS/VDHG ETF presets.
Fix
Land tax brackets corrected for QLD, WA, SA, TAS, ACT
Audited every state land tax calculator against current Revenue Office schedules for FY 2025-26. Fixed bracket thresholds and base amounts for Queensland, Western Australia, South Australia, Tasmania, and the ACT. Also added a Luxury Car Tax check ($91,387) to the Novated Lease EV FBT exemption.
Mobile App
Calk-AU Android app released
The Calk-AU mobile app is now available for Android devices. All calculators work offline, and the app includes calculation history, favorite calculators, native result sharing, and dark mode. Free, no account required.
Rate Update
NSW stamp duty brackets updated (CPI indexed)
NSW Revenue updated all transfer duty bracket thresholds from 1 July 2025 per CPI indexation. New thresholds: $17,000 / $37,000 / $99,000 / $372,000 / $1,240,000 / $3,721,000 (premium). Our NSW stamp duty and first home buyer calculators now reflect these rates.
Rate Update
NSW foreign buyer surcharge increased to 9%
The NSW surcharge purchaser duty increased from 8% to 9% effective 1 January 2025. Our Stamp Duty Calculator has been updated for NSW foreign buyer purchases.
Rate Update
Medicare Levy Surcharge thresholds updated
MLS thresholds indexed for 2025-26. Single: $101,001 / $118,001 / $144,001. Family: $202,001 / $236,001 / $288,001 (plus $1,500 per dependent child after the first). Family uplift now properly reflected in the UI.
Feature
Privacy Policy updated with GDPR and CCPA sections
Added explicit sections on GDPR (European users) and CCPA (California residents) rights. Also added Children's Privacy section and offline data disclosure for the mobile app.
New Calculator
Four new calculators added
Tax Return Estimator (with 6 deduction categories and refund estimate), PAYG Withholding Calculator, ABN Lookup Tool (validates ABN format and has no-ABN withholding helper), and BAS Calculator (GST on sales/purchases, PAYG instalment and withholding).
Rate Update
Victoria land tax brackets updated
Updated VIC land tax brackets to current SRO Victoria rates (2024-2033 COVID debt repayment plan rates included in base amounts). Fixed bracket values for $300K-$600K, $600K-$1M, $1M-$1.8M, $1.8M-$3M, and over $3M.
Per ATO rules, employer Super Guarantee should be calculated on the full ordinary time earnings, not the reduced salary after sacrifice. Fixed — the calculator now correctly shows that salary sacrifice does not reduce your SG entitlement.
Fix
Centrelink assets test now uses tapering
Services Australia applies a $3 per fortnight reduction for every $1,000 above the lower assets threshold, not a pass/fail cutoff. Our Centrelink Calculator now correctly tapers payments between lower and upper thresholds and shows partial payment amounts.
Fix
Super Contribution excess tax calculation fixed
Excess concessional contributions are now taxed at your marginal rate with a 15% offset for tax already paid by the fund (per ATO rules), instead of a flat 47% rate.
Fix
First Home Buyer stamp duty calculation improved
Replaced the rough 4% estimate with the actual bracket-based stamp duty calculation for all states, with proper FHB exemption and linear concession interpolation between exempt and concession thresholds.
Rate Update
Centrelink payment rates indexed (March 2026)
Updated JobSeeker, Age Pension, Parenting Payment, and Rent Assistance rates per Services Australia indexation on 20 March 2026. Single JobSeeker: $795.20/fn. Single Age Pension: $1,200.90/fn (includes supplements).
Rate Update
2025-26 financial year rates applied
All tax brackets, Medicare thresholds, HECS-HELP marginal rates, and super contribution caps set for the 2025-26 financial year. Super Guarantee rate is 12%. HECS-HELP uses the new marginal repayment system (threshold $67,000).
Launch
Calk-AU launched
Calk-au.com went live with 36+ free Australian calculators covering tax, pay, superannuation, mortgage, loans, property, business, health, auto, energy, and general tools. Privacy-first, no signup required, all calculations run in your browser.
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