Australia Financial Calculators FY 2025-26
ATO-accurate calculators for the 2025-26 income year. Stage 3 tax cuts, 12% super guarantee, new HECS marginal repayment system. Instant results.
๐งฎ Income Tax Calculator
Take-home pay with Stage 3 rates, Medicare levy, LITO, and HELP repayments. Resident and non-resident.
๐ฆ Superannuation Calculator
Project your super balance at retirement. 12% SG, salary sacrifice, Division 293, and contribution caps.
๐ HECS-HELP Repayment Calculator
New marginal repayment system from FY 2025-26. $67K threshold, 20% debt reduction applied.
๐ Stamp Duty Calculator
All 8 states and territories. First home buyer concessions, foreign surcharges, and FHOG eligibility.
๐ก Mortgage Repayment Calculator
Monthly, fortnightly, and weekly repayments. Extra repayment savings and rate comparison.
๐ Capital Gains Tax Calculator
CGT on property, shares, and crypto. 50% discount, main residence exemption, and 6-year rule.
๐ฐ Salary Sacrifice Calculator
Tax savings from salary sacrificing into super. $30K concessional cap, carry-forward, Division 293.
๐๏ธ Negative Gearing Calculator
Investment property tax deductions. Cash flow analysis, depreciation, and rental yield.
๐ณ PAYG Withholding Calculator
Tax withheld per pay period. Weekly, fortnightly, monthly. HELP and super included.
๐งพ GST Calculator
Add or remove 10% GST. BAS helper for small business and registration threshold check.
๐ต Take-Home Pay Calculator
Package vs gross salary converter. Compare job offers and see your net pay per period.
๐งฎ Fringe Benefits Tax Calculator
FBT on car, entertainment, housing. EV exemption check. FBT year ending 31 March 2026.
๐ฅ Medicare Levy Calculator
Medicare levy, MLS tiers, and private health insurance comparison. Family thresholds.
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First Home Buyer Calculator
FHOG, stamp duty concessions, and Home Guarantee eligibility for all 8 states.
๐ Novated Lease Calculator
EV vs petrol novated lease savings. FBT exemption for electric vehicles.
๐ฆ Borrowing Capacity Calculator
How much can you borrow? APRA 3% buffer, HECS impact, credit card limits.
๐ฐ LMI Calculator
Lenders Mortgage Insurance estimate by LVR. Buy now with LMI vs wait analysis.
๐ Rental Property Calculator
Investment property P&L, depreciation schedule (Div 40/43), and net yield.
๐ฐ Offset Account Calculator
Tax-free interest savings. Offset vs savings account comparison at your tax rate.
๐ Car Loan Calculator
Repayments with balloon payments. Compare offers and buy vs novated lease.
๐ Super Contribution Calculator
Optimize concessional, non-concessional, and carry-forward contributions. Cap breach warnings.
๐ Debt Recycling Calculator
Convert non-deductible home loan into tax-deductible investment debt. Year-by-year projection.
๐๏ธ Land Tax Calculator
Annual land tax for all 8 states. VIC COVID surcharge, NSW frozen thresholds, NT = $0.
๐ Work-From-Home Deduction
67c/hour fixed rate or actual cost method. Equipment depreciation and tax saving.
๐ ETF Investment Calculator
Growth projection with franking credits, DRP tax, and ETF vs super comparison.
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Long Service Leave Calculator
LSL entitlements by state. Payout tax treatment and take leave vs cash out.
๐ Redundancy Calculator
Tax-free component, ETP tax at 17%/32%, and full payout breakdown with leave.
๐ Division 293 Calculator
Extra 15% super tax above $250K. Optimize contributions and salary sacrifice strategy.
โ๏ธ Contractor vs Employee
ABN vs PAYG comparison. Break-even day rate, GST, super, and insurance costs.
๐ณ Personal Loan Calculator
Repayments, debt consolidation analysis, and early payoff savings.
๐ถ Childcare Subsidy Calculator
CCS rate, daily out-of-pocket cost, multi-child higher rate, and income strategy.
๐ First Home Super Saver
FHSSS scheme: $50K max, tax savings, vs bank comparison, and couple planner.
๐ฐ Term Deposit Calculator
After-tax return, TD vs savings vs offset comparison, and ladder strategy.
โฟ Crypto Tax Calculator
ATO CGT rules for crypto. 50% discount, staking income, no wash sale rule.
๐คฑ Parental Leave Calculator
22 weeks PPL at $915.90/week. Employer top-up and leave planner.
๐๏ธ Transition to Retirement
TTR pension strategy. Salary sacrifice swap, tax saving, wind-down plan.
๐ก Downsizer Contribution
$300K/person into super from home sale. No caps, no work test, age 55+.
๐๏ธ Holiday Pay Calculator
Annual leave accrual, 17.5% loading, payout on leaving calculation.
๐ SMSF Calculator
Cost comparison vs industry fund. Break-even balance and SMSF readiness check.
๐๏ธ Centrelink Payment Calculator
Age Pension, JobSeeker estimates. Income and assets test. Work while receiving.
๐จโ๐ฉโ๐ง Family Tax Benefit Calculator
FTB Part A and Part B estimates. Dual income test, supplements, and rent assistance.
๐ Rent vs Buy Calculator
Rent and invest vs buy comparison. Break-even year, cash flow, and sensitivity analysis.
โก Electricity Bill Calculator
State tariffs, solar savings, and plan comparison. Energy Made Easy reference.
โฐ Overtime & Penalty Rates
Saturday, Sunday, public holiday penalty multipliers. Weekly roster calculation.
๐ก๏ธ Income Protection Calculator
Coverage needs, premium estimate, inside vs outside super comparison.
๐ Car Cost Calculator
Total cost of ownership: depreciation, fuel, rego, insurance. EV vs petrol.
๐ Budget Calculator
50/30/20 rule, housing stress check, AU benchmarks, and savings goals.
๐ฅ Aged Care Calculator
Basic daily fee, means-tested care fee, RAD vs DAP, family home assessment.
๐ต Wage Calculator
Hourly to annual conversion, minimum wage check, casual loading, award rates.
๐ Education Cost Calculator
Primary to university cost projection. Private school inflation, HECS vs upfront.