Australian Finance Calculators — Super, Tax, Mortgage, HECS
Free calculators for Australians. Superannuation projections with 11.5% SG rate, 2026 income tax brackets, HECS-HELP repayments, state-by-state stamp duty, negative gearing tax benefits, Medicare levy, GST, and salary take-home.
Superannuation
Superannuation Calculator
Project your superannuation balance at retirement with 11.5% employer contributions (2026) and compound growth.
2026 super guarantee rate: 11.5%. Concessional contributions cap: $30,000/year. Projected balance assumes consistent returns.
Super Co-Contribution Calculator
Calculate government co-contribution for low-income earners who make personal super contributions.
2026: Max co-contribution $500 for income ≤ $43,445. Phases out to $0 at $58,445. Must be employed and lodge tax return.
Salary Sacrifice Super Calculator
Compare pre-tax salary sacrifice vs post-tax contributions. See your tax saving from salary sacrifice.
2026 concessional (pre-tax) contributions cap: $30,000/year including employer super. Tax in super fund: 15%.
Super Pension Drawdown Calculator
Calculate minimum superannuation pension drawdown rates by age and see how long your super will last.
Min drawdown rates: 4% (55-64), 5% (65-74), 6% (75-79), 7% (80-84), 9% (85-89), 11% (90-94), 14% (95+).
Super Fund Comparison
Compare two superannuation funds by fees and returns to see which builds more wealth over time.
Even a 0.5% difference in fees can cost tens of thousands over 30 years. Check APRA heatmap for benchmarks.
Tax Calculators
Australian Income Tax Calculator
2026 Australian income tax calculator with all brackets, Medicare levy, and Low Income Tax Offset (LITO).
2026 tax brackets: 0% ≤$18,200 | 16% $18,201–$45,000 | 30% $45,001–$135,000 | 37% $135,001–$190,000 | 45% >$190,000. Medicare levy 2%.
Capital Gains Tax (CGT) Calculator
Calculate Australian CGT including 50% discount for assets held over 12 months.
Assets held >12 months qualify for 50% CGT discount. Add net capital gain to income and tax at marginal rate.
HECS-HELP Repayment Calculator
Calculate your annual HECS-HELP student loan repayment based on 2026 income thresholds.
2026 minimum repayment threshold: $54,435. Repayment rate starts at 1% and increases with income. Debt is indexed annually.
Medicare Levy Calculator
Calculate your Medicare levy (2%) and Medicare Levy Surcharge for high earners without private health cover.
Medicare Levy Surcharge (MLS): 1% on $93,000–$108,000, 1.25% on $108,001–$144,000, 1.5% above $144,000 (singles).
GST Calculator (Australia)
Add or remove 10% Australian GST from any price. For business invoicing or consumer purchases.
Australian GST rate is 10%. Most goods and services are taxable. Fresh food, health services, and education are GST-free.
Property & Home Loans
Stamp Duty Calculator
State-specific stamp duty (transfer duty) for NSW, VIC, QLD, WA, SA, and TAS including first home buyer exemptions.
First home buyer exemptions vary by state. NSW: exempt ≤$800K. VIC: exempt ≤$600K. QLD: exempt ≤$550K. TAS: exempt ≤$400K.
Australian Mortgage Calculator
Monthly repayment calculator for Australian home loans. Shows total interest and amortisation.
Average Australian variable rate ~6.5% (2026). Principal & interest repayments. Does not include lenders mortgage insurance (LMI).
Rental Yield Calculator
Calculate gross and net rental yield on Australian investment property.
Gross yield = annual rent / property value. Net yield deducts expenses (rates, insurance, property management, maintenance).
Negative Gearing Calculator
Calculate your annual tax benefit from negatively geared Australian investment property.
Negative gearing occurs when rental income < deductible expenses. The shortfall reduces your taxable income. This may be reformed — check ATO.
Home Loan Comparison
Compare two Australian home loans by interest rate, fees, and total cost over the loan term.
Comparison rate includes fees. A lower comparison rate is always better. Even 0.25% difference saves tens of thousands.
Salary & Other
Australian Salary Calculator
Convert gross salary to net take-home: income tax, Medicare levy, and super. Monthly, fortnightly, and weekly.
2026 super guarantee: 11.5%. Medicare levy: 2%. LITO applied automatically. Does not include salary packaging benefits.
Pay Rise Calculator (Australia)
See how much a pay rise actually adds to your take-home after Australian income tax and Medicare levy.
Not all of a pay rise reaches your pocket — higher income may push you into a higher tax bracket.
Centrelink Payment Estimator
Estimate JobSeeker or Youth Allowance payment based on income, assets, and household status.
2026 JobSeeker: base ~$762/fortnight single. Income test: free area $150/fn, then 50¢ reduction per $1 earned. This is an estimate only.
Australian Inflation Calculator
Calculate the real purchasing power of money over time using ABS CPI data.
Uses average Australian CPI. Actual inflation varies by category (housing, food, etc). Source: ABS CPI series.
Fuel Cost Calculator (Australia)
Calculate fuel cost for any trip or annual driving. Based on distance, fuel consumption, and price per litre.
Average Australian fuel consumption: ~11L/100km for SUVs, 8L/100km for sedans. Petrol price ~$1.90–$2.20/L in 2026.
Australian Financial Planning Calculators
Australian personal finance is structured around four pillars: superannuation (the compulsory retirement savings system), property (stamp duty, mortgages, negative gearing), tax (PAYG income tax, Medicare levy, HECS-HELP, CGT), and salary planning (take-home pay, salary sacrifice).
Our calculators use 2026 ATO figures: super guarantee rate 11.5%, income tax brackets (0% / 16% / 30% / 37% / 45%), Medicare levy 2%, LITO up to $700, concessional contributions cap $30,000, and HECS minimum threshold $54,435.
The most searched Australian finance question: "How much super will I have?" — our superannuation calculator shows projected balance at retirement with compound growth and employer contributions. For property buyers, stamp duty is a major upfront cost — NSW charges $29,480 on a $750,000 property, while first home buyers under $800,000 pay nothing.
Frequently Asked Questions
How much superannuation will I have at retirement?
It depends on your salary, years working, and investment returns. At $85,000 salary with 11.5% super, starting at age 35 with $50K balance, you can expect roughly $850K–$1M by age 67 at 7% returns. Use our super calculator for a personalised estimate.
What is the Australian income tax on $80,000?
2026 income tax on $80,000: tax payable is approximately $16,467 (before LITO) plus $1,600 Medicare levy, totalling ~$17,507. Effective rate ~21.9%. LITO offsets up to $325 for this income level.
How much stamp duty do I pay in NSW on a $750,000 home?
NSW stamp duty on $750,000 (investor/non-first home buyer): approximately $29,480. First home buyers are exempt up to $800,000 in NSW. Stamp duty varies by state — use our stamp duty calculator.
What are the HECS repayment thresholds for 2026?
2026 HECS-HELP minimum repayment threshold: $54,435. Repayment starts at 1% and increases with income up to 10% above $135,100. The debt is also indexed annually (3.8% in recent years).
What is negative gearing and how does it save tax?
Negative gearing is when rental income is less than property expenses (interest, rates, insurance). The loss is deducted from your taxable income, reducing tax at your marginal rate. At 37% marginal rate, a $10,000 rental loss saves $3,700 in tax.