Free Australian financial calculators& practical money guides
Estimate income tax, take-home pay, HELP repayments, super, mortgage costs and property expenses with tools built for Australian rules and explained in plain English.
10
specialist calculators
2026–27
current-year coverage
Free
no account required
Start with the decision in front of you
Money questions rarely sit in neat boxes. Choose the closest starting point, then use the related tools to see how tax, debt, property and super can interact.
Income, tax and business
Australian tax, salary and HECS calculators
Turn gross figures into the amounts that affect day-to-day cash flow. Estimate income tax and take-home pay, check compulsory HELP repayments and Medicare Levy Surcharge exposure, or separate GST from a business price.
Income Tax Calculator
Calculate your Australian income tax for the current financial year.
HECS Repayment Calculator
Estimate your student loan repayments based on your income.
Medicare Levy Surcharge Calculator
Find out if you need to pay the MLS and how much.
GST Calculator
Add or remove GST from any amount instantly.
Buying and owning a home
Property and mortgage calculators
A purchase price is only one part of a property decision. Estimate state-based stamp duty, understand how a rate or loan term changes repayments, and include strata levies in the ongoing cost of owning an apartment or unit.
Building long-term wealth
Superannuation and investment calculators
Compare choices whose effects unfold over years, not weeks. Model salary sacrifice and retirement balances, then estimate the capital gains tax position when an investment, parcel of shares or property is sold.
A calculator gives you a number. Context makes it useful.
A precise result can still mislead if the wrong financial year, jurisdiction or personal assumption is used. That is why the best starting point is the decision you are testing—not the first number you can enter.
Treat each result as an informed estimate. Compare realistic scenarios, read the tool's notes and keep tax, lending and investment decisions in the context of your full circumstances.
Step 1
Check the scope
Confirm the financial year, state or territory, residency position and other assumptions shown by the tool.
Step 2
Test more than one scenario
Change the inputs that are genuinely uncertain. A range is often more useful than one precise-looking result.
Step 3
Confirm consequential decisions
Use the estimate to plan and ask better questions, then seek qualified advice when the outcome materially matters.
Real decisions cross calculator boundaries
Our guides work through the trade-offs that a single result cannot settle—such as whether extra cash belongs in a mortgage, super or HELP debt, and how one income change can affect several obligations at once.
Before you calculate
Questions people ask about MoneyToolkit
These tools are designed to make an Australian financial question easier to explore. Here is what to expect from the estimates and where their limits sit.
One useful Australian money email each Tuesday
Get practical explanations of rule changes, new calculators and financial decisions that involve more than one moving part.
Join MoneyToolkit Weekly
Practical financial guidance, calculator updates and Australian money news—delivered without the noise.