Australia 2026–27 — quick numbers
Headline ATO and Services Australia figures for the 2026–27 financial year, from the same data our calculators use.
Super guarantee
12%
Of qualifying earnings from 1 July 2026
Source: ATO
Concessional cap 2026–27
$32,500
Before-tax super contributions, taxed at 15%
Source: ATO
Non-concessional cap
$130,000
Up to $390,000 under the bring-forward rule
Source: ATO
Transfer balance cap
$2.1m
Most you can move into tax-free retirement phase
Source: ATO
Tax-free threshold
$18,200
Then 15% up to $45,000 in 2026–27
Source: ATO
Division 293 threshold
$250,000
An extra 15% on concessional contributions above it
Source: ATO
Age Pension, single max
$1,237.70
A fortnight from 20 Sep 2026, from age 67
Source: Services Australia
Preservation age
60
When retired, super becomes accessible
Source: ATO
Superannuation
14 toolsSuper 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.
Non-Concessional Contributions Calculator
How much after-tax money can go into super in 2026-27: the $130,000 cap, the $390,000 bring-forward by super balance, and periods you already started.
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.
Downsizer Contribution Calculator
Selling the family home at 55+? How much of the proceeds can go into super (up to $300,000 each, $600,000 a couple), who is eligible, and what it does to the Age Pension
Transfer Balance Cap Calculator
Your personal transfer balance cap after proportional indexation: $2.1m general cap from 1 July 2026, your unused cap %, cap space and any excess
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.
SMSF Pension Phase
SMSF pension phase: tax-free earnings, minimum drawdown rules, and transition-to-retirement income stream math.
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.
Super Snapshot
Quick visual check: is your super balance on track for your age?
Retirement & FIRE
14 toolsRetirement Calculator
How much do you need to retire? City-by-city cost data for Sydney, Melbourne, Brisbane, and more.
Drawdown Calculator
How long will your super last? Model drawdowns with APRA minimum rates and Age Pension income.
Transition to Retirement Calculator
From 60, draw 4–10% of your super tax-free while you work. How much a TTR pension plus salary sacrifice adds to super, or what cutting your hours costs.
FIRE Calculator
Australia-specific FIRE number using the two-phase super model and 3.5% safe withdrawal rate.
Barista FIRE Calculator
Semi-retire on part-time pay: can your savings bridge the gap to 60, when super unlocks, and will super then cover full retirement?
Age Pension Calculator
Estimate your Age Pension under both the income test and assets test, including deeming — on the rates in force since 20 Sep 2026 ($1,237.70 single max) or the superseded March rates. Max rose +$36.80 / +$55.60, but deeming rose to 1.75%/3.75% the same day, so see your net change. Shows which test binds.
Deeming Calculator
Deemed income at the 1.75% / 3.75% rates from 20 Sep 2026 vs the old 1.25% / 3.25%, and whether the rise cancelled your Age Pension increase
Seniors Health Card Calculator
Commonwealth Seniors Health Card income test: $105,048 single / $168,076 couple, deemed income on account-based pensions, no assets test.
Low Income Health Care Card Calculator
Low Income Health Care Card income test: $826 a week single, $1,410 couple or single parent, more per child, over the last 8 weeks; keep-the-card limits and deemed savings income. No assets test.
Home Equity Access Scheme Calculator
How much you can borrow against your home under the government scheme: maximum loan amount by age, the 150% fortnightly cap, lump-sum advances and the debt at 3.95%.
Aged Care Fees Calculator
Aged care home fees under the 1 Nov 2025 rules: means tested amount, hotelling and non-clinical care contributions, RAD vs DAP, RAD retention, and how the home is counted
Support at Home Calculator
Support at Home contributions from 20 Sep 2026: clinical care free, independence 5–50%, everyday living 17.5–80% by pension status, levels 1–8 budgets and the $140,652.80 lifetime cap
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.
What-If Scenarios
Recession, RBA rate-hike, high-inflation, and save-more scenarios projected on your numbers — explored with Sam, the What-If Strategist.
Centrelink & family payments
7 toolsCarer Payment Calculator
Carer Payment, Carer Allowance or DSP from 20 September 2026: $1,237.70 a fortnight single, the income and assets tests, the 100-hour work rule and the care-receiver limits.
Family Tax Benefit Calculator
FTB Part A and Part B for 2026-27 from your family income and children's ages — yearly, per fortnight and the end-of-year supplements.
Parenting Payment Calculator
Parenting Payment Single ($1,037.50 a fortnight) or Partnered ($755.10) from 20 Sep 2026, after the income, partner income and assets tests
Child Care Subsidy Calculator 2026-27
Your CCS percentage for 2026-27, the higher rate for younger siblings, the new hourly caps and the 3 Day Guarantee — and what you actually pay each fortnight.
Rent Assistance Calculator
Commonwealth Rent Assistance from 20 September 2026: 75c for every dollar of rent above your threshold, up to the maximum — for singles, sharers, couples and families.
Centrelink Calculators (all in one place)
Every Centrelink and family-payment calculator on one page: Age Pension, Rent Assistance, Carer Payment, Parenting Payment, Family Tax Benefit, Child Care Subsidy, deeming and more.
Child Support Calculator
Estimate child support with the 2026 basic formula: $31,046 self-support amount, care nights, the costs of children table and the $551 minimum — every step shown.
Income tax & pay
18 toolsPay Calculator
2026-27 take-home pay per week, fortnight or month on the ATO's PAYG withholding formula, with HELP, salary sacrifice and the 12% super guarantee on top.
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.
Tax Return Calculator
Estimate your 2025-26 refund or bill from income, tax withheld and deductions — Medicare levy, surcharge and HELP included.
Medicare Levy Calculator
The 2% Medicare levy with the 2025-26 low-income, senior (SAPTO) and family thresholds ($47,238 + $4,338 per child), the family reduction and who is exempt.
Medicare Levy Surcharge Calculator
2026-27 MLS thresholds ($105,000 single, $210,000 family), what the surcharge costs you and your partner, and whether hospital cover is cheaper after the rebate and LHC loading.
Salary Packaging Calculator
Charity, PBI and hospital workers: package about $15,900 (or $9,010) of living expenses tax-free plus meal entertainment, and see the tax you save
Novated Lease Calculator
What a novated lease costs your take-home pay vs buying the car on a loan — electric (FBT-exempt) or petrol, with the ATO residual and the reportable fringe benefit.
FBT Calculator
Fringe Benefits Tax on employer-provided benefits: Type 1 and Type 2 grossing-up, taxable value, and FBT liability.
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.
Long Service Leave Calculator
Your long service leave, what it is worth, and whether it is paid out if you leave — under every state and territory's law, side by side.
Annual Leave Calculator
Your annual leave balance in hours and weeks, what it is worth with 17.5% leave loading, how much you can cash out, and the payout and tax if you leave.
PAYG Instalments Calculator
Sole traders and investors: your PAYG instalment rate and quarterly amount with the 5% GDP adjustment for 2026-27, due dates, and amount vs rate method
GST Calculator
Add 10% GST or work out the GST in a price (÷ 11), plus a quick BAS estimate and the $75,000 registration threshold.
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.
Fuel Tax Credit Calculator
Fuel tax credits for your BAS at the ATO rate for the date you bought the fuel — diesel, petrol, LPG and gas, heavy vehicles and off-road use, including the 2026 excise-cut periods.
Division 7A Calculator
Minimum yearly repayments on a private company loan under s 109E, with the 2026-27 benchmark rate of 8.77% and the full schedule to the end of the term.
Gig Tax Calculator
Side hustle tax estimator for Australian freelancers and gig workers. ABN, GST, and income tax.
Investing & capital gains
5 toolsCapital Gains Tax Calculator
AU CGT with 50% CGT discount for 12-month+ assets, marginal-rate tax on net gain, and super contribution offset.
Foreign Resident CGT Calculator
Selling Australian property? The buyer withholds 15% of every sale unless you give a clearance certificate. See the withholding, the CGT a foreign resident really owes and the refund.
Franking Credits Calculator
The credit on a franked dividend, the grossed-up income, and whether you get a refund or pay extra. Individuals, super and pension phase, plus the 45-day rule.
Term Deposit Calculator
Interest on a term deposit at your bank's rate, what you get back at maturity, the tax at your 2026-27 marginal rate, and whether it beats inflation.
Compound Interest Calculator
Compound growth with monthly contributions and side-by-side scenario comparison. AUD-denominated.
Property & home ownership
12 toolsMain Residence Exemption Calculator
Rented out your home? Work out the partial CGT exemption under the 6-year rule, the market-value reset and the gain to report. Matches the ATO's worked examples.
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.
Mortgage Calculator
Australian mortgage repayments, amortisation, and lenders mortgage insurance (LMI) cost. All states.
Refinance Calculator (AU)
Australian refinance break-even months, discharge fees, cashback offers, and total interest saved.
Interest Rate Rise Calculator
The RBA decides 3 November 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.
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.
Land Tax Calculator
Annual land tax on your investment property or other land under every state's current rates, with each tax-free threshold — and what the same land costs in every other state.
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.
Depreciation Calculator
Decline in value by diminishing value or prime cost, plus 2.5% capital works on a rental building — with the ATO formulas and your tax saving.
FHSS Calculator
First Home Super Saver: voluntary super contributions → up to $50K withdrawn tax-effectively for a first home deposit.
Estate planning
3 toolsInheritance Tax Calculator
Australia has no inheritance tax — but super paid to adult children (up to 17% / 32%) and an inherited home sold after 2 years can be taxed. Work out both.
Testamentary Trust Calculator
Tax saved when children inherit income through a trust in a will: adult rates and the $18,200 tax-free threshold instead of the 45% minors' rate, vs a family trust or the parent.
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.
Net worth & everyday money
8 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.
Inflation Calculator
What is money from any year since 1949 worth today? Official ABS CPI, Australia's inflation rate by year, and $100 from every decade in today's dollars.
AI Budget Calculator
50/30/20 needs/wants/savings split — flexed for Sydney and Melbourne rent reality. Felix helps you decide what to change.
Car Loan Calculator
Weekly, fortnightly or monthly repayments with a balloon and fees, the total interest, the loan's all-in rate, and car loan vs novated lease.
Personal Loan Calculator
Weekly, fortnightly or monthly repayments, total interest and fees, the all-in rate you really pay — and whether a loan beats leaving the debt on a credit card.
Currency Converter
AUD to 30+ currencies with live rates for travel, remittance, and multi-currency portfolios.
Australian calculator questions
What free financial calculators are available for Australians?
Richify has 80 free Australian calculators, grouped above: superannuation (super, salary sacrifice, carry-forward, non-concessional, transfer balance cap, Division 293 and 296, SMSF), retirement (drawdown, Age Pension, deeming, aged care fees, Support at Home, FIRE), Centrelink and family payments, income tax and pay, investing and CGT, property and home ownership, estate planning, and net worth by age. They are built on ATO, ABS, APRA and Services Australia figures. No signup.
Which tax years do the Australian tax calculators cover?
The income tax and pay calculators cover the 2025–26 return you lodge now, the current 2026–27 year (tax withheld from your pay today, with a 15% second bracket), and the legislated 2027–28 scale. Super figures on this page are for 2026–27.
How do I calculate my Australian superannuation balance at retirement?
Use the super calculator: enter your balance, age, salary and contributions. It applies the 12% super guarantee, salary sacrifice within the $32,500 concessional cap, investment returns and fees, and compares your projected balance with the ASFA comfortable retirement standard. To see how long that balance lasts, use the drawdown calculator; to see where you stand today, use average super balance by age.
Is there a free HECS repayment calculator?
Yes. The HECS/HELP calculator shows your compulsory repayment from your income, your estimated payoff date, and what a voluntary payment before the 1 June indexation date saves. It uses the ATO repayment thresholds.
Every tool runs in your browser. Nothing leaves your device, nothing is stored. Built with ATO, ABS, APRA, ASFA and Services Australia data, for the 2026–27 financial year.
