Straight-talking Australian
financial calculators

Calculate monthly, fortnightly or weekly repayments with full amortisation table and extra repayment savings.

How much can you borrow? Uses APRA's serviceability buffer to estimate your home loan capacity.

Model the break-even year where buying beats renting, factoring in stamp duty and opportunity cost.

See your rental loss, ATO tax refund, net out-of-pocket cost, and the capital growth needed to break even.

See how converting home loan debt to investment debt reduces your tax

Full cost breakdown including stamp duty, LMI, and first home buyer concessions by state.

See how much an offset account saves you in interest and years off your mortgage.

Calculate gross and net yield, cash flow, and equity growth on investment property.

Model usable equity across your portfolio, check LVR, and stress-test a new purchase.

See how a lump sum and regular contributions grow over time. Includes inflation adjustment and Rule of 72.

Compare DCA vs lump sum investing. See how regular investing into ETFs and shares averages your cost over time.

Find country and sector concentration across your ETF portfolio

Find out how much MER fees cost you over your investment horizon

Compare LIC pre-tax NTA, discount/premium to NTA, and franking-adjusted returns.

Calculate your franking credit refund or tax offset

Your exact take-home pay after tax, Medicare and HECS

See the real after-tax value of a pay rise or new offer. Compare two salary packages side by side.

Calculate your WFH tax deduction using the ATO's 67c/hr fixed rate or actual cost method.

Calculate your capital gains tax including the 50% discount

Project how long until your student debt is paid off based on your income and indexation rate.

See exactly how much you save by sacrificing pre-tax salary to super or other benefits.

Project your super balance at retirement and see how long it lasts in drawdown, with SG contributions and fees.

Model the TTR strategy — salary sacrifice into super while drawing a pension to maintain take-home pay.

Should your spare cash go into super or pay off the mortgage?

Compare the all-in cost of running an SMSF against staying in an industry super fund.

Model the true cost of financial advice fees against the value delivered over time.

Benchmark life, TPD, trauma, and income protection premiums by age, gender and cover amount.

Find the daily rate needed to match a permanent salary after super, leave, sick days, and business expenses.

Compare novated lease vs car loan vs buying outright after tax

Calculate your NES severance pay, notice, annual leave payout and the genuine redundancy tax-free limit.

Build a household budget using ABS benchmarks with multi-year planning and PDF/Excel export.

See the real annual cost of raising up to 5 children — school type by state, sports, music, and activities.

Calculate government PPL (22 weeks), employer top-up, and super contributions on leave for FY 2025-26.