Superannuation
10 toolsCoast FIRE Calculator
The balance that compounds to your retirement number with no further contributions — super and AU-aware.
Superannuation Calculator
Project your super balance to retirement and compare to the ASFA $630,000 comfortable standard.
Average Super Balance by Age
ATO 2026: median super at 30 is $35K, at 50 it's $155K. See where you rank — 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.
Carry-Forward Super Calculator
Catch-up concessional contributions: add up to $142,500 of unused cap from 2021-22 to 2025-26 to this year's $32,500 — if your super was under $500K at 30 June 2026. Your unused 2021-22 cap expires 30 June 2027.
Super Co-Contribution Calculator
The government matches after-tax super contributions 50c in the dollar, up to $500. Full entitlement at $49,293 income, nil at $64,293 — see the smallest contribution that captures all of it.
Parental Leave Super Calculator
Super is now paid on Parental Leave Pay. The ATO pays 12% of your PPL as a lump sum after the financial year — $2,730 on a full 24 weeks, $3,135 on 26. Children born from 1 July 2025.
Drawdown Calculator
How long will your super last? Model drawdowns with APRA minimum rates and Age Pension income.
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.
Retirement & FIRE
5 toolsRetirement Income Calculator
How much do you need to retire? City-by-city cost data for Sydney, Melbourne, Brisbane, and more.
Age Pension Calculator
Estimate your Age Pension under both the income test and assets test, including deeming — on today’s rates or the 20 Sep 2026 rates. Max rises +$36.80 / +$55.60, but deeming rises to 1.75%/3.75% the same day, so see your net change. Shows which test binds.
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.
FIRE Calculator
Australia-specific FIRE number using the two-phase super model and 3.5% safe withdrawal rate.
What-If Scenarios
Recession, RBA rate-hike, high-inflation, and save-more scenarios projected on your numbers — explored with Sam, the What-If Strategist.
Property & Tax
24 toolsMortgage Calculator
Australian mortgage repayments, amortisation, and lenders mortgage insurance (LMI) cost. All states.
Home Equity Calculator
Your equity, usable equity under the 80% bank rule — and the number most tools skip: your home’s share of your whole net worth vs the ABS ~40% benchmark.
Borrowing Capacity Calculator
How much can you borrow? Estimate your home loan borrowing power from income, expenses, debts, and card limits — with APRA's 3.0pp serviceability buffer.
LMI Calculator
Lenders Mortgage Insurance cost when your deposit is under 20%. LMI premium by state and LVR band.
Stamp Duty Calculator
Calculate stamp duty for all Australian states. Includes first home buyer exemptions and concessions.
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.
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.
AI Budget Calculator
50/30/20 needs/wants/savings split — flexed for Sydney and Melbourne rent reality. Felix helps you decide what to change.
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.
$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.
TPAR Pre-Fill Calculator
The ATO now pre-fills contractor and gig income into 2026 returns — as a GROSS figure, before fees and expenses. Reconcile it to the profit you actually owe tax on before you lodge.
Cents Per Km Calculator
ATO car expense deduction at 91c/km for 2026-27 (88c for 2025-26), capped at 5,000 work km for a maximum $4,550 with no logbook — plus whether a logbook claim would beat it.
Rental Yield Calculator
Gross yield, net yield, annual cash flow, and negative gearing tax benefit for Australian investment properties. Weekly rent → instant result.
Negative Gearing Calculator
Calculate your investment property's true cash flow, tax benefit, and 10-year return including CGT.
Refinance Calculator (AU)
Australian refinance break-even months, discharge fees, cashback offers, and total interest saved.
Interest Rate Rise Calculator
The RBA decides 29 September 2026. Price a hold, a 0.25% rise or a cut against your own loan — 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.
Capital Gains Tax Calculator
AU CGT with 50% CGT discount for 12-month+ assets, marginal-rate tax on net gain, and super contribution offset.
FBT Calculator
Fringe Benefits Tax on employer-provided benefits: Type 1 and Type 2 grossing-up, taxable value, and FBT liability.
Division 293 Tax
15% additional tax on concessional super contributions for high earners above $250,000 annual income.
Division 296 Super Tax
The new $3M+ super tax from 1 July 2026 — extra 15% on realised earnings for the $3M–$10M slice, 25% above $10M, plus a 'when do I cross $3M' projection.
Payday Super Calculator
Payday Super is law from 1 July 2026 — 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.
SMSF Property Borrowing Checker
The LRBA ban is in force since 10 August 2026 — new SMSF borrowing for residential property has ended. Check whether your fund is grandfathered, whether a contract you exchanged in time is still protected, and what your fund can still borrow for.
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 — compare every jurisdiction on the same estate.
Redundancy Tax Calculator
ATO genuine redundancy tax-free component for FY2026-27 ($13,598 + $6,801 × years), concessional ETP rate (32% or 17%), and leave payout tax. See your true net redundancy payment.
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.
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 — 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 — plus the Centrelink liquid assets waiting period your savings create, up to 13 weeks before JobSeeker starts.
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.
Everyday & Other
6 toolsHECS/HELP Calculator
See your HECS payoff date, year-by-year repayments, and how much you save before June 1 indexation.
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.
Money Quizzes
Eleven free 2-minute quizzes — investing IQ, money personality, financial health, retirement readiness, FIRE trajectory, net worth percentile, homebuying readiness, recession resilience, and more. Scored instantly, no sign-up.
Every tool runs in your browser. Nothing leaves your device, nothing is stored. Built with ATO, ABS, APRA, and ASFA data — updated quarterly for the 2025–26 financial year.
