Free Australian money calculators

Work out your take-home pay and tax refund, home loan repayments and offset savings, stamp duty, super and GST in seconds. Figures follow the official rules for the 2026–27 financial year, with links to sources such as the ATO.

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Tax & Pay

Take-Home PayPay after tax, the Medicare levy and HELP repayments Tax RefundEstimate your 2025–26 tax return Salary to HourlyAnnual, weekly and hourly pay, plus minimum wage HECS-HELP RepaymentCompulsory repayment per pay and per year Medicare Levy SurchargeWhether you pay the surcharge, and at which tier Annual Leave LoadingLeave pay with the 17.5% loading Redundancy PayNES redundancy pay and the tax-free limit

Home Loans

Home Loan RepaymentsMonthly, fortnightly or weekly repayments Borrowing PowerHow much you could borrow with the 3% APRA buffer Offset AccountInterest and time an offset account saves Extra RepaymentsInterest saved by paying your home loan faster NSW Stamp DutyTransfer duty and first home buyer concessions VIC Stamp DutyTransfer duty with first home buyer and PPR concessions QLD Stamp DutyTransfer duty with home and first home concessions WA Stamp DutyTransfer duty and the first home owner rate SA Stamp DutyStamp duty and first home buyer relief Rental YieldGross and net yield on an investment property

Super

Super Guarantee12% employer super and your concessional cap Salary Sacrifice SuperTax saved and extra super from salary sacrificing Division 293 TaxExtra 15% super tax above $250,000

Car & Fuel

Fuel CostTrip cost from km, L/100 km and price Car LoanRepayments with a balloon and fees Personal LoanRepayments, fees and comparison rate

Business & GST

GSTAdd or remove 10% GST Capital Gains TaxCGT on shares or property with the 50% discount

How we check the numbers

  • Official sources, clearly dated: tax rates, thresholds and limits are checked against government and regulator publications, and every page shows the date its figures were last checked.
  • Tested before publishing: the Everyday Money Calc team checks each calculator against a separate test sheet with at least three worked examples before it goes live.
  • Updated when the rules change: when a budget or a rate changes, we update the numbers and the date, and we review every calculator at least once a year.
  • Ads never change the results: if we show ads, they are kept separate from calculator results, and we don’t take payment to recommend loans, credit cards or insurance.
  • Found a number that looks wrong, or need a calculator we don’t have yet? Let us know.

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