Australian Finance calculators
Superannuation, HECS/HELP, stamp duty, CGT, and Centrelink tools
19 calculators · 5 guides
Australian money rules do not translate from overseas calculators. Superannuation guarantee, HECS-HELP repayment thresholds, the Medicare levy and its surcharge, franking credits, the capital gains discount, state stamp duty scales and first home buyer concessions all have no United States equivalent, and using an American tool for them produces confidently wrong numbers.
These calculators use current Australian Taxation Office and state revenue office figures, state which financial year they apply to, and link the source. Where a rule changed recently. The superannuation guarantee reaching twelve per cent, the move to marginal HELP repayments, indexed surcharge thresholds. The page says what changed and when.
Start with these in Australian Finance
Salary After Tax CalculatorCalculate your Australian take-home pay after income tax, Medicare levy, study loan repayments and salary sacrifice, per week, fortnight, month and year.Australian FinanceBorrowing Power CalculatorEstimate how much an Australian lender would let you borrow for a home loan from your after-tax income, living expenses, other debts and the APRA assessment buffer.Australian FinanceSuperannuation CalculatorProject your superannuation balance at retirement from your salary, current balance and contributions, using the 12% super guarantee.Australian FinanceHECS-HELP Repayment CalculatorWork out your compulsory HECS-HELP repayment under the marginal repayment system, and how long your study loan takes to clear.Australian FinanceStamp Duty CalculatorEstimate transfer (stamp) duty on an Australian property purchase in any state or territory, including first home buyer concessions.Australian FinanceFirst Home Buyer CalculatorWork out the cash you need to buy your first home in Australia: deposit, transfer duty after first home concessions, lenders mortgage insurance, grants and the repayment on the loan.Australian Finance
Jump to what you need
Income and tax
Super and retirement
Property
Study and benefits
Every Australian Finance calculator
19 calculators
A
B
C
- Capital Gains Tax CalculatorCalculate Australian capital gains tax on shares or property, including the 50% discount for assets held over twelve months.
- Car Running Cost CalculatorCalculate the true yearly, monthly and per kilometre cost of owning a car in Australia, including fuel, insurance, registration, servicing, tyres, finance interest and depreciation.
- Centrelink Income Test CalculatorEstimate how much a Centrelink payment reduces under the income test, using the current fortnightly rate and taper for your payment type.
- Crypto Tax Calculator (Australia)Estimate Australian capital gains tax when you sell, swap or spend crypto, with the 50 per cent discount for assets held twelve months or more and your real marginal rates.
E
F
- First Home Buyer CalculatorWork out the cash you need to buy your first home in Australia: deposit, transfer duty after first home concessions, lenders mortgage insurance, grants and the repayment on the loan.
- Franking Credits CalculatorCalculate the grossed-up value of Australian franked dividends, the franking credit attached, and whether you receive a refund or owe top-up tax.
H
L
N
P
- Private Health Insurance vs MLS CalculatorCompare the Medicare levy surcharge you would pay without private hospital cover against the real cost of the cheapest eligible policy, including any Lifetime Health Cover loading.
- Property Rental Yield CalculatorCalculate the gross and net rental yield on an Australian investment property, the rent you actually collect after vacancy, and your cash flow after loan interest.
S
- Salary After Tax CalculatorCalculate your Australian take-home pay after income tax, Medicare levy, study loan repayments and salary sacrifice, per week, fortnight, month and year.
- Sole Trader Tax CalculatorCalculate tax for an Australian sole trader or freelancer: net business income, income tax, the small business income tax offset, Medicare levy, PAYG instalments and GST registration.
- Stamp Duty CalculatorEstimate transfer (stamp) duty on an Australian property purchase in any state or territory, including first home buyer concessions.
- Superannuation CalculatorProject your superannuation balance at retirement from your salary, current balance and contributions, using the 12% super guarantee.
W
Guides for Australian Finance
- 9 min readAustralian Income Tax: How It Actually WorksBrackets, marginal rates, the Medicare levy, offsets and why your refund is not a bonus. The 2026-27 system explained end to end.
- 8 min readHECS-HELP in 2026: Thresholds, Indexation and Whether to Pay It OffHow the marginal repayment system works, why indexation timing matters more than you think, and when a voluntary repayment is worth making.
- 9 min readSuperannuation: The 12% Rate, the Caps, and the Levers That MatterHow super is taxed, what the contribution caps mean in practice, and the handful of decisions that move a retirement balance materially.
- 8 min readStamp Duty Across Australia: What Each State ChargesHow transfer duty is calculated in each state and territory, what first home buyer concessions are actually worth, and the thresholds that create hard cliffs.
- 10 min readInvestment Property in Australia: Gearing, Yield and the Tax at the EndHow negative gearing, depreciation, rental yield and the capital gains discount fit together, and the numbers that decide whether a property works.
Questions about australian finance calculators
- Which financial year do these use?
- Each Australian calculator shows its data year on the page, and the figures are reviewed every July when rates, thresholds and indexed amounts change. If you need a prior year, for an amended return or a back-dated calculation, the numbers here will not match, because only the current year is modelled.
- Why is my take-home pay different from my payslip?
- Payroll withholds tax using ATO withholding schedules per pay period, which approximate your annual liability rather than computing it exactly. Salary sacrifice, reportable fringe benefits, study loan withholding, extra deductions, private health rebate tiers and the tax offsets you claim all shift the final figure. The annual reconciliation happens in your tax return, which is why a refund or bill appears there.
- Is stamp duty really that different between states?
- Yes, dramatically. Each state and territory sets its own scale, its own concessions for first home buyers, and its own treatment of off-the-plan, new builds, vacant land and foreign purchasers. On the same purchase price the duty can differ by tens of thousands of dollars across borders, so always select the correct state and confirm with that state's revenue office calculator before settlement.
- Do these replace advice from an accountant?
- No. They model the main rules and ignore the rest: trusts, companies, partnerships, carried-forward losses, small business concessions, Division 293, personal deductible contributions, residency changes and much more. Use the result to understand the shape of your position and to ask a better question of a registered tax agent.