Free Australian financial
calculators & tools
31+ 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
5 toolsSuperannuation Calculator
Project your super balance to retirement and compare to the ASFA $595,000 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.
Retirement & FIRE
4 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
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
11 toolsMortgage Calculator
Australian mortgage repayments, amortisation, and lenders mortgage insurance (LMI) cost. All states.
200K+/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
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
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
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
Redundancy Tax Calculator
ATO genuine redundancy tax-free component ($12,524 + $6,264 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
4 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. ABS 2023-24 + HILDA data.
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.
