Rates Today RBA Cash4.10% Avg Variable6.42% SG Rate12% HECS Idx3.5% CPI3.2% Fin. Yr2025–26

Australian Finance Calculators

110 honest calculators for stamp duty, tax, super, mortgages, retirement and the rest.
Current Financial Year rates. Workings shown. No sign-up.

Federal Budget 2026
Budget night: 12 May 2026
Tax cuts, HECS 20% wipe & Division 296 — see how it affects you.
My Impact → Budget Hub

Choose your calculator

12 sections · 110 tools
SD
09

Stamp Duty

Transfer duty for every Australian state and territory.

NSW VIC QLD SA WA TAS NT ACT
MG
10

Mortgage

Repayments, offset savings, extras, refinancing.

Repayment Offset Extra Repayments Borrowing Refinancing Fixed vs Variable
TX
10

Income Tax & PAYG

Tax, Medicare, PAYG withholding, deductions.

Income Tax Medicare PAYG WFH Tax Return Contractor
PI
09

Property & Investment

Yield, gearing, LMI, depreciation, settlement.

Rental Yield Negative Gearing LMI Borrowing Power Depreciation First Home Buyer
SU
12

Superannuation

Sacrifice, caps, projections, co-contribution.

Salary Sacrifice Projector Co-contribution Cap Div 293 Drawdown Extra Contributions Mortgage vs Super
CG
06

Capital Gains Tax

Property, shares, crypto, main residence.

Property Shares Crypto Main Residence 50% Discount General
HC
03

HECS-HELP

Repayment thresholds, indexation, voluntary repayment.

Repayment Indexation Voluntary
LT
09

Land Tax

Thresholds and calculations for every state.

NSW VIC QLD SA WA TAS
PF
08

Personal Finance

Compound interest, savings, credit cards, loans.

Compound Interest Savings Goal Credit Card Car Loan Inflation Debt Strategy
IN
06

Investment

Franking credits, DCA, ETF fees, FIRE, margin.

Franking Credits DCA Term Deposit ETF Fees FIRE Margin Loan
BZ
15

Business & Self-Employed

GST, BAS, payroll tax, structure, FBT, rates.

GST BAS Payroll Tax Structure FBT Hourly Rate
AW
08

Advice & Wealth

Retirement, insurance needs, financial health & wealth planning.

When Can I Retire Retirement Income Gap Business Owner Exit Before & After Advice Life Insurance Needs Income Protection Gap Financial Health Check Advice Priority
Disclaimer: These calculators provide estimates only and should not be considered financial advice. Rates and thresholds are based on publicly available information for the 2025–26 financial year and may change. Always consult a qualified financial adviser for decisions about your specific circumstances.