Free · built around Australian tax and lending rules
Australia’s free finance calculators
Home loans, income tax, super, HECS, ETF growth, and more, each one grounded in the actual Australian rule rather than a rule of thumb.
Spring is peak listing season - model repayments and stamp duty before you bid.
Popular Australian calculators
- ETF GrowthEstimate how regular investing could grow over time.
- Rent AffordabilityEstimate a rent range based on income and expenses.
- Emergency FundEstimate how much cash you may need for unexpected costs.
- Inflation CalculatorSee how inflation changes the value of money over time.
- Investment ReturnEstimate investment growth from return assumptions.
- Dividend ReinvestmentModel dividend growth when distributions are reinvested.
All calculators
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- 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 something new
All guidesReference guides on tax, super, and investing. Specifically for Australian rules.
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.
How Much Rent Can You Afford? Rental Stress Explained
The 30% rule is a starting point, not a verdict. What matters more is what is left over after rent and everything else you are committed to paying.
Emergency Fund: How Much Do You Need?
Three to six months of essential expenses, kept liquid and separate. Why the right size depends on your income stability, not just your monthly spend.
Inflation and Purchasing Power in Australia
Real vs nominal returns, the RBA's 2–3% target, and how indexation affects savings, super projections, and HECS debt.
How to Start Investing in Australia
The asset classes, accounts, risk concepts, and tax basics that sit underneath every other investing guide on this site.
Dividend Yield Explained
Dividend yield is only the income part of your return. How it is calculated, and why it should never be read in isolation from total return.
September financial reminders
Prepare for 31 October tax return deadline
If you haven't lodged your tax return, the 31 October self-lodgement deadline is approaching. Engage a tax agent now if you need an extension.
Q1 SGC (July–September) closes
The first quarter of the new FY ends 30 September. Employer contributions are due 28 October, check your super fund statement after that date.
Net worth mid-point check
A quarter into the new financial year: Review assets, liabilities, and progress toward annual savings and debt reduction goals.
Recently updated
Calculators and guides we’ve most recently reviewed or refreshed.
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.
Built using official Australian sources including the ATO, ASIC, ABS, and RBA. Updated regularly for the current financial year.