Australia’s free finance calculators
Home loans, income tax, super, HECS, ETF growth, and more. Built around Australian tax and lending rules.
Lodge your return, check your HECS debt, and plan take-home for the new year.
Popular Australian calculators
- Mortgage RepaymentMonthly repayments and total interest for any home loan amount and term.
- Income TaxYour take-home pay, Medicare levy, and effective tax rate at any salary.
- Inflation CalculatorHow inflation erodes purchasing power over any time period, using Australian CPI.
- SuperannuationProject your super balance at retirement with employer and extra contributions.
- Stamp DutyStamp duty by state and territory, with upfront property purchase costs.
- Compound InterestSee how savings or investments compound with regular contributions.
All calculators
Search by name or filter by category.
- Mortgage RepaymentHome BuyingMortgage RepaymentEstimate monthly repayments and total interest on any home loan.
- Stamp DutyHome BuyingStamp DutyCalculate stamp duty by state, territory, and property type.
- Rent vs BuyHome BuyingRent vs BuyCompare total long-term costs of renting versus buying a home.
- Rent AffordabilityHome BuyingRent AffordabilityCalculate how much rent you can afford based on income, expenses, and savings goals.
- Personal LoanLoansPersonal LoanCalculate repayments and total interest on any personal loan.
- Car LoanLoansCar LoanModel car loan repayments, total cost, and interest over the loan term.
- Credit Card PayoffLoansCredit Card PayoffSee how long to pay off your credit card and how much interest you pay.
- HECS / HELP RepaymentLoansHECS / HELP RepaymentEstimate your annual HECS repayment, timeline, and total indexation cost.
- FIRE CalculatorInvestingFIRE CalculatorCalculate your FIRE number, time to financial independence, and portfolio growth projection.
- ETF GrowthInvestingETF GrowthProject ASX ETF portfolio growth with regular contributions over time.
- Dividend ReinvestmentInvestingDividend ReinvestmentCompare reinvesting dividends versus taking them as cash income.
- Investment ReturnInvestingInvestment ReturnCalculate total return and annualised CAGR for any investment.
- Capital Gains TaxInvestingCapital Gains TaxEstimate CGT with the 50% discount for shares, property, and crypto.
- Compound InterestSavingsCompound InterestSee how savings or investments compound with regular contributions.
- Income TaxTax & IncomeIncome TaxCalculate your Australian income tax, Medicare levy, and take-home pay.
- Salary SacrificeTax & IncomeSalary SacrificeEstimate your tax saving and super boost from salary sacrificing.
- GST CalculatorTax & IncomeGST CalculatorAdd or remove 10% GST from any amount instantly.
- Savings GoalSavingsSavings GoalWork out how long to save for a house deposit or any target amount.
- Emergency FundSavingsEmergency FundCalculate how much emergency savings you need as an Australian.
- Inflation CalculatorSavingsInflation CalculatorSee how inflation erodes purchasing power over any time period.
- SuperannuationRetirementSuperannuationProject your super balance at retirement with SGC and voluntary contributions.
- Retirement IncomeRetirementRetirement IncomeEstimate how long your super and savings will last in retirement.
- Net WorthRetirementNet WorthCalculate your personal net worth, total assets minus all liabilities.
Australian finance calculators by topic
Mortgage & home buying calculators
Monthly repayments, stamp duty estimates, and a side-by-side rent-vs-buy comparison. State-by-state duty rates are built in, along with current variable rate benchmarks.
Loan repayment calculators
Personal loans, car finance, credit cards, and HECS. Each with a full breakdown of total interest paid, time to payoff, and the cost of paying more each period.
Investing & FIRE calculators
ETF portfolio growth, dividend reinvestment, and investment return calculations in AUD. Accounts for Australian franking credit conventions and the 50% CGT discount.
Tax & income calculators
Take-home pay, salary sacrifice, capital gains, and GST. Updated for FY2026–27 ATO brackets, SGC rate of 12%, and Medicare levy thresholds.
Savings & budgeting calculators
Savings goal timelines, compound interest modelling, emergency fund targets, and inflation's effect on purchasing power, with clear inputs and immediate results.
Retirement & super calculators
Project your super balance at retirement, model how long your savings will last as drawdown income, and see the impact of extra contributions. Built around Australian super rules, with guidance on how the Age Pension can supplement retirement income.
Learn the concepts behind the numbers
All guidesReference guides on tax, super, and investing. Specifically for Australian rules.
Understanding Australian Tax Brackets
Progressive brackets, Stage 3 rates, and why a pay rise or overtime payment can never reduce your take-home pay in Australia.
Superannuation Explained Simply
How employer contributions, investment options, and preservation rules work in Australia's compulsory retirement savings system.
Beginner's Guide to ETF Investing in Australia
How ETFs work, what MER costs you over 20 years, and the key principles behind building wealth with low-cost index funds on the ASX.
July financial reminders
1 July: New financial year
New ATO income tax brackets, updated SGC rate, and refreshed concessional and non-concessional super caps take effect from today.
Lodge tax return (available from 1 July)
Individual tax returns can be lodged from 1 July once your employer submits their STP finalisation. Most refunds are paid within 2 weeks of electronic lodgement.
28 July: Q4 SGC due
Employers must pay super contributions for the April–June quarter (the final quarter of the prior FY) by 28 July.
Why AussieCalc?
Australian rates built in
ATO tax brackets, stamp duty by state, SGC rate, and HECS thresholds are built into the calculators that use them.
Runs in your browser
Your calculations run entirely in your browser, no financial inputs are stored or sent anywhere.
Tax, property, super & more
20+ free calculators spanning every major area of Australian personal finance.
Updated each financial year
Tax brackets, super rates, and thresholds reflect the current financial year.