Free Australian financial
calculators & tools
45+ free tools built for Australians โ super, FIRE, mortgage, CGT, FHSS, LMI, salary sacrifice, negative gearing, redundancy tax, net worth by age, and more. No signup. No ads. Updated for 2025โ26.
Superannuation
6 toolsSuperannuation Calculator
Project your super balance to retirement and compare to the ASFA $630,000 comfortable standard.
90Kโ135K/mo AU searches
Average Super Balance by Age
ATO 2026: median super at 30 is $35K, at 50 it's $155K. See where you rank โ top 10% benchmarks by age group.
Salary Sacrifice Calculator
How much can you salary sacrifice into super? Calculate your take-home pay reduction vs super boost and tax savings.
8Kโ14K/mo AU searches
Drawdown Calculator
How long will your super last? Model drawdowns with APRA minimum rates and Age Pension income.
2Kโ4K/mo AU searches
SMSF Pension Phase
SMSF pension phase: tax-free earnings, minimum drawdown rules, and transition-to-retirement income stream math.
SMSF Setup Cost Calculator
Is an SMSF worth it? Compare fixed SMSF running costs against percentage industry/retail fund fees and find your fee break-even balance.
2Kโ5K/mo AU searches
Retirement & FIRE
5 toolsRetirement Income Calculator
How much do you need to retire? City-by-city cost data for Sydney, Melbourne, Brisbane, and more.
30Kโ45K/mo AU searches
Age Pension Calculator
Estimate your Age Pension under both the income test and assets test, including deeming. Current 2026 rates โ single max $1,200.90/ft, couple $1,810.40 combined. Shows which test binds.
40Kโ70K/mo AU searches
Retirement Planning Hub
Readiness score across 3 scenarios. Super, Age Pension assets/income tests, Preservation Age 60, Transition to Retirement. Retire-at-55/60/65/67/70 sections.
head-term hub AU searches
FIRE Calculator
Australia-specific FIRE number using the two-phase super model and 3.5% safe withdrawal rate.
4Kโ7K/mo AU searches
What-If Scenarios
Recession, RBA rate-hike, high-inflation, and save-more scenarios projected on your numbers โ explored with Sam, the What-If Strategist.
P2.2 AU searches
Property & Tax
21 toolsMortgage Calculator
Australian mortgage repayments, amortisation, and lenders mortgage insurance (LMI) cost. All states.
200K+/mo AU searches
Borrowing Capacity Calculator
How much can you borrow? Estimate your home loan borrowing power from income, expenses, debts, and card limits โ with APRA's 3.0pp serviceability buffer.
30Kโ50K/mo AU searches
LMI Calculator
Lenders Mortgage Insurance cost when your deposit is under 20%. LMI premium by state and LVR band.
12Kโ18K/mo AU searches
Stamp Duty Calculator
Calculate stamp duty for all Australian states. Includes first home buyer exemptions and concessions.
20Kโ35K/mo AU searches
Rent vs Buy Calculator
Should you rent or buy in Australia? Stamp duty, LMI, rent inflation, and the investment alternative side by side. Find the breakeven year.
~3K/mo AU searches
Loan Cost Calculator
How much interest is your home loan, car loan, or credit card really costing you? See total cost and the savings from extra repayments or refinancing.
~5K/mo AU searches
AI Budget Calculator
50/30/20 needs/wants/savings split โ flexed for Sydney and Melbourne rent reality. Felix helps you decide what to change.
~6K/mo AU searches
Income Tax Calculator
2025-26 ATO income tax, Medicare Levy, LITO offset, and take-home pay. Includes HELP/HECS repayment and Medicare Levy Surcharge. Annual/monthly/weekly.
100K+/mo AU searches
$1,000 Instant Tax Deduction
The new FY2026-27 no-receipt $1,000 work-expense deduction. See what it's worth at your income and whether to take the flat $1,000 or itemise your actual expenses.
new AU searches
Rental Yield Calculator
Gross yield, net yield, annual cash flow, and negative gearing tax benefit for Australian investment properties. Weekly rent โ instant result.
Negative Gearing Calculator
Calculate your investment property's true cash flow, tax benefit, and 10-year return including CGT.
8Kโ14K/mo AU searches
Refinance Calculator (AU)
Australian refinance break-even months, discharge fees, cashback offers, and total interest saved.
8Kโ14K/mo AU searches
Interest Rate Rise Calculator
The RBA decides 11 August 2026. Price a hold, a 0.25% rise or a cut against your own loan โ plus when a rise would actually reach your repayment (weeks later, not that afternoon) and how much of the 3% APRA approval buffer the 2026 cycle has used.
new AU searches
Capital Gains Tax Calculator
AU CGT with 50% CGT discount for 12-month+ assets, marginal-rate tax on net gain, and super contribution offset.
20Kโ35K/mo AU searches
FBT Calculator
Fringe Benefits Tax on employer-provided benefits: Type 1 and Type 2 grossing-up, taxable value, and FBT liability.
5Kโ9K/mo AU searches
Division 293 Tax
15% additional tax on concessional super contributions for high earners above $250,000 annual income.
3Kโ6K/mo AU searches
Division 296 Super Tax
The new $3M+ super tax from 1 July 2026 โ extra 15% on realised earnings for the $3Mโ$10M slice, 25% above $10M, plus a 'when do I cross $3M' projection.
new AU searches
Payday Super Calculator
Payday Super is law from 1 July 2026 โ super must REACH the fund within 7 business days of payday. Get the exact due date (whole-of-state public holidays excluded) plus the new super guarantee charge if it lands late.
new AU searches
SMSF Property Borrowing Checker
The LRBA ban commencing 10 August 2026 โ new SMSF borrowing for residential property ends. Check whether your contract is protected, what the business real property test catches, and what your fund can still do.
new AU searches
Probate Fee Calculator
Supreme Court probate filing fee for all 8 states & territories (FY2026-27): flat $418 in WA to Victoria's value-based scale. Australia has no death tax โ compare every jurisdiction on the same estate.
new AU searches
Redundancy Tax Calculator
ATO genuine redundancy tax-free component for FY2026-27 ($13,598 + $6,801 ร years), concessional ETP rate (32% or 17%), and leave payout tax. See your true net redundancy payment.
8Kโ12K/mo AU searches
Home Buying
2 toolsNet Worth & Budgeting
6 toolsNet Worth Calculator
Calculate your complete net worth across super, shares, property, and debts. Compare to ABS averages.
8Kโ13K/mo AU searches
Net Worth by Age (AU Data)
Where do you rank? Median, top 10%, and top 1% Australian net worth thresholds by age. Richify estimates from ABS + HILDA data.
Net Worth Percentile Calculator
Enter your age + net worth to get your exact percentile โ and how far you are from the top 10% and top 1%. ABS + HILDA benchmarks, incl. super.
Emergency Fund Calculator
How many months of essentials do you need? Sized to your income stability โ plus the Centrelink liquid assets waiting period your savings create, up to 13 weeks before JobSeeker starts.
new AU searches
Compound Interest Calculator
Compound growth with monthly contributions and side-by-side scenario comparison. AUD-denominated.
Financial Wellbeing Score
Free ANZ FWI-aligned 60-second assessment. Score 0-100 with band vs the Australian average of 60.3.
head-term hub AU searches
Everyday & Other
5 toolsHECS/HELP Calculator
See your HECS payoff date, year-by-year repayments, and how much you save before June 1 indexation.
12Kโ18K/mo AU searches
Gig Tax Calculator
Side hustle tax estimator for Australian freelancers and gig workers. ABN, GST, and income tax.
Currency Converter
AUD to 30+ currencies with live rates for travel, remittance, and multi-currency portfolios.
Super Snapshot
Quick visual check: is your super balance on track for your age?
Suburb Swap
Compare cost of living between Australian suburbs side by side.
Every tool runs in your browser. Nothing leaves your device, nothing is stored. Built with ATO, ABS, APRA, and ASFA data โ updated quarterly for the 2025โ26 financial year.
