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.

AU 2028 HECS-HELP

Calculate your AU 2028-29 HECS-HELP compulsory repayment by income tier (1%-10%). Indexation reform: now CPI or WPI whichever lower (June 2024 retrospective fix).

AU 2028 Income Tax

Calculate your Australian 2028-29 income tax with revised Stage 3 brackets: 0%/16%/30%/37%/45%. Tax-free threshold $18,200. Medicare Levy 2% separate.

AU 2028 LITO

Calculate your AU 2028-29 Low Income Tax Offset (LITO): max $700 if income ≤ $37,500. Phases out 5c per $ to $45k, then 1.5c per $ to $66,667.

AU 2028 Medicare Levy Surcharge

Calculate your Australian 2028-29 Medicare Levy Surcharge (MLS) 1-1.5% if no private health insurance and income above threshold. Single $97k+ / family $194k+.

AU 2028 Super Guarantee

Calculate your AU 2028 Superannuation Guarantee at 12% (final rate from July 2025). Payday Super mandatory from July 2026. Maximum contribution base + concessional limits.

Australia CGT 2028 50% Discount

CGT 2028 — 50% discount on assets held > 12 months. Calculate CGT on disposal 2028.

AU FBT Novated Lease ROI Calculator

Calculate Australian novated lease savings — FBT, salary sacrifice, EV exemption 2026. Free, private.

Australia GST 2028 10% Calculator

AU GST 2028 — 10% flat rate. Calculate GST on prices 2028.

Australia HECS-HELP 2027 Income-Contingent Repayment Calculator

Calculate Australia HECS-HELP repayment 2027 based on income. 1-10% rate by income.

Australia HECS HELP 2028 Repayment

HECS-HELP 2028 — 1-10% sliding scale by income. Calculate compulsory repayment 2028.

Australia Income Tax 2028 Stage 3 Brackets

AU Income Tax 2028 — Stage 3 brackets 0/16/30/37/45%. Calculate 2028 tax on gross salary.

Australia LITO 2028 Low-Income Offset

LITO 2028 — up to A$700 offset, tapers above $37,500. Calculate LITO 2028.

Australia Medicare Levy 2028 2%

Medicare Levy 2028 — 2% of taxable income, surcharge for high earners no PHI. Calculate 2028.

Australia Medicare Levy Surcharge 2028

MLS 2028 — 1/1.25/1.5% on high earners without PHI. Calculate MLS liability 2028.

AU Medicare Levy Surcharge Rebate Calculator

Calculate AU Medicare Levy Surcharge (1-1.5%) and PHIR private health rebate. 2026 income thresholds. Free, private.

Australia Negative Gearing 2028 Loss

Negative gearing 2028 — net rental loss deductible against income. Calculate tax shield 2028.

Australia Payday Super July 2026 Employer Compliance Calculator

Free Australia Payday Super calculator 2027 — 11.5% SG, payday timing rules effective July 2026, super stapling, and quarterly vs payday cashflow impact.

Australia Payday Super 2027 Calculator (Employer Cash Flow)

Estimate Australia employer cash-flow impact of Payday Super (effective July 1, 2026). Calculate monthly cash outflow shift. Free.

Australia Payday Super 2028 Employer Cost

Payday Super 2028 — super paid per payday from 1 July 2026 (no quarterly). Calculate cashflow impact 2028.

Australia Super 2028 12% Guarantee

Super Guarantee 2028 — 12% (final stage from 1 July 2025). Calculate employer super 2028.

Australia Division 293 Extra Super Tax 2027 Calculator

Calculate Australia Division 293 tax 2027 — extra 15% on concessional super contributions when income + low-tax super > AU$250,000 threshold.

Division 293 Tax 2027

Calculate Australian Division 293 — additional 15% tax on concessional super contributions for incomes over $250 000.

FBT EV Exemption 2027 Australia Calculator

Australia FBT exemption electric vehicle calculator 2027. Below LCT threshold $89,332. Novated lease tax savings. Free.

HECS-HELP Repayment 2027 Calculator (Australia)

Calculate Australian HECS-HELP repayment 2027 — 1%-10% based on income (threshold $58,648), indexation rate, time to payoff with extra repayments.

Low Income Tax Offset (LITO) Calculator

Calculate Australian Low Income Tax Offset (LITO) — up to A$700 reduction for earners under A$66,667. Eligibility, phase-out, and net tax impact.

Medicare Levy Surcharge 2027

Calculate Australian Medicare Levy Surcharge — 1%-1.5% extra tax if you earn over $97K (single) without private hospital cover.

Australia Medicare Levy Surcharge (MLS) 2027 Calculator

Calculate Australia Medicare Levy Surcharge 2027 — 1-1.5% extra tax if no private hospital cover and income above tier thresholds ($97k single / $194k family).

Australia Payday Super 2026 Calculator — Employer Cash Flow Impact

Calculate Australian Payday Super (1 July 2026) employer cash flow impact — switch from quarterly to per-pay-cycle 11.5% super contributions. Compliance + interest cost.

Payday Super 2027 Compliance Calculator

Calculate Payday Super (SG) compliance impact from July 1, 2026. Employer cost, shortfall risk, and ATO penalty exposure for late contributions.

Australia Payday Super Calculator 2026

Calculate AU Payday Super compliance from 1 July 2026. SG due each pay cycle, SG charge, employer cost impact. ATO official.

Payday Super Calculator

Calculate employer super liability under Payday Super (mandatory from July 1, 2026). Super must be paid with each payday — not quarterly.

Payday Super Employer Payroll Cost 2026 Calculator AU

From 1 July 2026 AU employers must pay super on payday (not quarterly). Estimate cashflow impact of moving from quarterly to weekly/fortnightly SG payments

Australia Stage 3 Tax Cut Savings Calculator

Calculate your annual tax savings under the revised Stage 3 tax cuts (effective 1 July 2024). Compare pre-cut vs post-cut tax across income levels.

Stage 3 Tax Cuts 2027 vs 2024 Comparison AU

Compare Australia 2027 tax brackets vs original Stage 3 vs pre-2024 brackets. See your annual tax saving at your income level.

HELP/HECS Study Loan Repayment 2027 Australia Calculator

Australia HELP/HECS study loan repayment 2027 calculator. Income thresholds + indexation rate. 1-10% by income. Free.

Better Targeted Super 30% Tax 2027 Calculator

Calculate the extra 15% tax on super balances above $3M from 1 July 2026. Better Targeted Super legislation impact and grandfathered amount.

Australia Better Targeted Super Concessions Calculator (Div 296)

Calculate Australia 'Better Targeted Super' extra 15% tax on earnings of balances above $3M from 1 July 2025. Division 296 ATO.

Super Catch-up Concessional Cap 2027 Calculator

Australia super catch-up concessional contribution 2027. Carry-forward unused cap 5 years. Balance under $500K. Free.

Super Co-Contribution 2027

Calculate Australian super co-contribution — government adds up to $500 to your super if you make personal contribution + earn under threshold.

Australian Super Concessional Contribution Cap 2026 Calculator

Calculate concessional super contributions under the new $30,000 cap from 1 July 2025. SG, salary sacrifice, and unused cap carry-forward. Free.

Super Concessional Cap 2026 Uplift Calculator AU

From 1 July 2026 the AU concessional super cap rises with AWOTE indexation. Calculate carry-forward unused cap available 2026.

Super Spouse Tax Offset Calculator AU 2027

Calculate AU super spouse contribution tax offset 2027 — up to $540 tax credit for contributing to low-income spouse's super (under $40k income).

Australian Super Stapling Fund Check Calculator

Check Australian super stapling status for new employees: stapled fund, choice of fund, performance test impact. Free AU super stapling calculator. Private.

Div 296 Very Large Super Balance Tax 2026 Calculator AU

Australia's new Div 296 tax — 15 % extra tax on the portion of super balance above A$3 million, including unrealized gains. Calculate liability 2026.

Work From Home Tax Claim 2027 Australia Calculator

Australia work-from-home tax claim 2027. Fixed-rate method 70c/hour vs actual cost method comparison. Free.