Australia Tools

3-Day Guarantee Cost Planner — CCS Australia 2026

From January 2026, all families eligible for the Child Care Subsidy (CCS) in Australia are guarantee

Child Care Out-of-Pocket Planner Australia

Estimate your out-of-pocket childcare costs after applying the Australian Child Care Subsidy (CCS).

WFH Fixed Rate vs Actual Cost Calculator Australia

Compare both ATO-approved methods for claiming work from home deductions in Australia. Enter your WF

HECS/HELP Repayment After Pay Rise Calculator Australia

See how a salary increase affects your HECS-HELP loan repayment in Australia. Enter your current sal

HELP Threshold Jump Checker Australia

Check whether your taxable income is near a HECS/HELP repayment threshold. This checker shows your c

Medicare Levy Surcharge Calculator Australia

Estimate your Medicare Levy Surcharge by tax year, income tier, family thresholds, and days without approved hospital cover.

Australia Medicare Levy Calculator 2026-27

Calculate the BASE 2% Medicare Levy for 2026-27 with low-income shade-in zone, family thresholds plus per-dependant uplift, SAPTO senior thresholds, and full/half exemptions.

Payday Super Calculator 2026

Calculate payday super contributions per pay period from 1 July 2026. Compare quarterly vs payday timing and model 20-year compound growth.

Payday Super Cashflow Planner Australia

From 1 July 2026, Australian employers must pay superannuation on each payday instead of quarterly.

Payday Super Deadline Calculator Australia 2026

From 1 July 2026, Australian employers must pay superannuation guarantee contributions on payday rat

PAYG Instalment Set-Aside Planner Australia

Plan how much to save each month or quarter for your PAYG instalment obligations in Australia. Enter

Sole Trader Tax + Super Buffer Calculator Australia

Calculate the total amount you should set aside each month as an Australian sole trader to cover inc

Work From Home Deduction Calculator 2025-26 Australia

Calculate ATO WFH deduction using the 70c/hour Fixed Rate Method or Actual Cost Method. Compare both and see your refund at marginal rate before EOFY 30 June.

Work From Home Tax Saving Calculator Australia

Estimate your work from home (WFH) tax deduction using either the ATO's fixed-rate method at 67 cent

IELTS Band Score Calculator Australia

Calculate your overall IELTS band score from Listening, Reading, Writing, and Speaking. Check if you meet Australian student visa and PR requirements.

English Test Score Converter

Convert between IELTS, PTE Academic, TOEFL iBT, Duolingo, and CEFR levels. Check Australian visa and university requirements instantly.

Student Visa Cost Calculator Australia

Estimate the total cost of studying in Australia including tuition, living costs, OSHC, visa fees, and flights for international students.

Student Budget Planner Australia

Plan your weekly, monthly, and annual living costs as an international student in Australian cities. Compare Sydney, Melbourne, Brisbane, and more.

Australia PR Points Calculator

Calculate your skilled migration points for Australian permanent residency. Check eligibility for Subclass 189, 190, and 491 visas.

Points Test 189 Calculator Australia

Estimate your Subclass 189 Skilled Independent score, check the 65-point threshold, and flag common EOI prerequisites before you lodge.

CGT Calculator Australia 2025-26

Calculate Australian capital gains tax for 2025-26. Includes 50% CGT discount for 12+ month assets, ATO tax brackets, and net CGT payable estimate.

AU Tax Loss Harvesting Calculator 2025-26

Calculate tax savings from selling investments at a loss before 30 June. Offsets CGT gains under ATO 2025-26 rules with 50% discount interaction.

AU Investment Tax Calculator 2025-26

Calculate CGT and dividend franking credit tax on Australian investments — includes 50% CGT discount, Medicare Levy, and franking credit refunds for 2025-26.

Employee True Cost Calculator Australia

Calculate the true annual cost of hiring an employee in Australia: super, payroll tax by state, workers comp, annual leave loading, and training. Free, private.

Australian Stamp Duty Calculator 2025-26

Calculate stamp duty on property purchases across all Australian states and territories. See duty payable, effective rate, and total cost by buyer type.

Luxury Car Tax Calculator AU 2026

Calculate ATO Luxury Car Tax at 33% above the 2025-26 thresholds: $80,567 fuel-efficient or $71,849 standard. GST-inclusive, with import option.

Working Holiday Maker (WHM) Tax Calculator AU 2026-27

Calculate Australian WHM tax for 417/462 visa holders in 2026-27, plus 12% super and DASP refund after the 65% departing tax.

Private Health Insurance Rebate Calculator 2026

Calculate your 2026-27 Australian PHI rebate by Tier 0/1/2/3 + age band, plus MLS exemption check and net premium after rebate.

Instant Asset Write-Off Calculator AU 2026

Check $20,000 Instant Asset Write-Off eligibility for 2025-26 (extended to 30 June 2026). Compares IAWO vs the small business pool 15%/30%.

CGT 50% Discount Calculator AU 2026

Calculate Australian CGT with the 50% discount under s 115-25 ITAA 1997 for assets held over 12 months. Compares discount and indexation methods for pre-Sep 1999 assets.

CGT Main Residence Six-Year Rule Calculator AU 2026

Calculate Australian CGT under the main residence six-year absence rule (s 118-145 ITAA 1997). Apportioned exemption, 50% discount, marginal CGT.

Franking Credit (Imputation) Calculator AU 2026-27

Calculate Australian dividend franking credits and imputation refund for 2026-27. Gross-up dividend, 45-day rule, SMSF pension-phase 100% refund, individual marginal rate offset.

AU Discretionary Trust Distribution Tax Calculator 2026

Calculate Australian discretionary (family) trust distribution tax 2026-27. Per-beneficiary streaming, s 99A 47% minor penalty, non-resident, SMSF, bucket company, total trustee assessment.

Superannuation Balance Projector 2026

Project your super balance at retirement. Enter salary, SG rate, and fund type to see projected balance, annual drawdown income, and ASFA comfortable retirement gap.

Salary Sacrifice Calculator Australia 2024-25

Calculate your salary sacrifice tax savings into super. Compare take-home pay, tax saved, and super boost with 2024-25 ATO brackets and concessional cap.

Super Co-Contribution Calculator 2025-26

Calculate how much the Australian Government adds to your super when you make personal after-tax contributions. Based on ATO 2025-26 income thresholds.

Super Guarantee Charge Calculator 2026

Calculate ATO Super Guarantee Charge (SGC) for late or unpaid super: shortfall + 10% interest + $20 admin fee per employee. Based on the 12% SG rate from 1 July 2025.

LITO Calculator Australia 2024-25

Calculate your Low Income Tax Offset (LITO) for FY 2024-25. See Stage 3 tax cut savings, Medicare levy, and exact take-home pay. Free and private.

Negative Gearing Calculator Australia

Calculate the tax benefit of a negatively geared investment property. Uses ATO 2024-25 tax brackets, deductible expenses, and building depreciation.

Rental Yield Calculator Australia

Calculate gross and net rental yield for Australian investment properties. Includes vacancy rate, expenses, and negative gearing context.

Division 7A Loan Calculator

Calculate minimum yearly repayment on a Division 7A loan from a private company. ATO benchmark rate 8.27%, amortization schedule, and compliance check.

WFH Tax Deduction Calculator AU 2024-25

Calculate your ATO work-from-home deduction. Compare fixed rate (67¢/hr) vs actual cost method side-by-side to maximise your tax refund.

Australian EOFY Tax Checklist 2025

Interactive end-of-financial-year checklist covering deductions, super contributions, property, and lodgment deadlines before 30 June.

PAYG Instalment Calculator 2025-26

Calculate quarterly PAYG instalment amounts for sole traders, investors, and small businesses. Rate method, amount method, or estimate from last year's tax bill.

EOFY Tax Return Estimator 2025-26

Estimate your ATO tax refund or payable for 2025-26. Enter income, deductions, and PAYG withheld to see your end-of-year tax position. Free, private.

Redundancy Pay Calculator Australia 2025

Calculate redundancy pay, notice pay, annual leave payout, tax-free threshold, super, and estimated net received under the Fair Work Act NES. Free, private.

Division 293 Tax Calculator Australia

Calculate your Division 293 tax for 2025-26. High-income earners pay an extra 15% on super contributions above $250,000 income. Free, private.

Division 296 Super Tax Calculator

Calculate the additional 15% Division 296 tax on super earnings for balances above $3 million. Effective from 1 July 2025.

Super Transfer Balance Cap Calculator 2026-27

Calculate your 2026-27 personal Transfer Balance Cap (general $1.9M). Used cap, remaining cap, excess transfer balance, 15% or 30% excess tax.

Super Bring-Forward Rule Calculator 2026-27

Check 2026-27 AU super bring-forward eligibility. TSB tiers ($1.66M / $1.78M / $1.9M), 1/2/3-year cap, $120k base, excess top-rate tax.

Tax Loss Harvesting Calculator AU

Calculate Australian tax loss harvesting savings for 2025-26. Offset capital gains with investment losses, 50% CGT discount, and ATO Part IVA compliance.

Income Tax Calculator Australia 2025-26

Calculate Australian income tax, Medicare levy, HELP/HECS repayment, and take-home pay for 2025-26. Supports residents, non-residents, and working holiday makers.

HECS-HELP Repayment Calculator

Calculate your HECS-HELP student loan repayment based on income. See annual and per-paycheck deductions with 2025-26 thresholds.

First Home Buyer Calculator

Calculate first home buyer costs including stamp duty concessions, FHOG grant, LMI, and total deposit needed by state.

Age Pension Assets & Income Test 2026

Calculate Australian Age Pension eligibility using both assets test and income test. Singles, couples, homeowner status, and current Centrelink thresholds.

Downsizer Contribution Eligibility Checker

Check eligibility for downsizer contribution to super (up to $300k per person). Property hold years, age 55+, contribution caps, and tax impact.

FHSSS Calculator — First Home Super Saver

Calculate how much you can save and withdraw under the First Home Super Saver Scheme (FHSSS). Voluntary contributions, deemed earnings, and tax savings.

Account-Based Pension Drawdown Calculator

Calculate minimum account-based pension drawdown rates by age, annual income, and how long your super will last. Free Australian retirement planner.

Super Preservation Age Checker 2026

Check your superannuation preservation age (55–60) and conditions of release. Find out when you can access your super tax-free.

FBT Calculator Australia 2025-26

Calculate Fringe Benefits Tax liability including Type 1 and Type 2 grossing up, FBT rate, and reportable amounts for employers.

Super Tax Concessions Calculator 2026-27

Calculate super tax concessions including Division 293, Division 296, LISTO, and government co-contribution. See how much tax you save on contributions.

Division 296 Tax Calculator — $3M Super Cap 2026

Calculate Division 296 tax on super balances above $3M. Includes unrealised gains, proportional taxable earnings, and the 15% extra tax. Free 2026 Australian super calculator.

LHC Loading Calculator (Lifetime Health Cover)

Calculate your Lifetime Health Cover (LHC) loading on Australian private hospital insurance. 2% per year over 30 starting age, capped at 70%. Free 2026 tool.

Australian Payday Super 2026 Employer Compliance Checklist

Step-by-step Australian Payday Super compliance checklist for the July 1, 2026 deadline. Calculate readiness score, SG contributions per pay cycle, late penalties, and SuperStream gaps. Free and private.

Stamp Duty NSW Calculator

Calculate NSW transfer duty on property purchase. First Home Buyer Assistance Scheme (full exemption to $800K), foreign purchaser 9% surcharge, premium duty. 2026 rates.

Stamp Duty VIC Calculator (Land Transfer Duty)

Calculate Victoria stamp duty (land transfer duty) on property purchase. PPR concession, first home buyer, foreign surcharge, off-the-plan. 2026 rates.

Super Stapling Checker — Australia 2026

Check whether you have a stapled super fund and what your employer must do when you start a new job. 2026 super stapling rules under ATO YourSuper. Find your stapled fund and avoid unwanted accounts.

Work Bonus Calculator — Age Pension Earnings

Calculate how much extra you can earn under the Centrelink Work Bonus while keeping Age Pension. Free 2026 calculator for $300/fortnight free area + $11,800 income bank.