Australian tax & money calculators that aren't a year out of date

The 15% tax bracket landed on 1 July 2026. HECS moved to a completely new repayment system. The super cap was indexed to $32,500. Every calculator here already knows — and shows you the date we verified it against the official source.

✓ FY2026-27 rates, verified July 2026 ✓ Free — no sign-up, no spam ✓ All 8 states covered

Tax & income

New 15% bracket

Income Tax Calculator

Take-home pay with Medicare, LITO and optional HECS — including the 1 July 2026 tax cut.

 New marginal system

HECS / HELP Repayment

Nothing below $69,528, then 15c and 17c per dollar — plus years to clear your balance.

 Both directions

GST Calculator

Add 10% to a price, or extract the GST from a total — divided by 11, the way the ATO means it.

 Cap warnings built in

Salary Sacrifice

Your real annual benefit, with the $32,500 cap and Division 293 checked automatically.

 Six tools, one page

The Tax Suite

Income tax, HECS, GST, sacrifice, CGT and gearing in tabs — for when one question leads to another.

Property & investing

Compare all 8 states

Stamp Duty — Australia

Every state and territory in one calculator, with the same property priced side by side.

 $0 to $800k for FHBs

Stamp Duty — NSW

Current Revenue NSW rates, the first-home taper and the 9% foreign surcharge.

 The $600k cliff

Stamp Duty — Victoria

FHB, owner-occupier and investor rates, off-the-plan concession included.

 New builds: $0

Stamp Duty — Queensland

Home concession plus the rule that zeroes first-home duty on any new build.

 50% discount

Capital Gains Tax

The real incremental tax on a gain at your marginal rates — no fictional flat rate.

 The honest number

Negative Gearing

Tax saved and the after-tax weekly cost of holding — the figure spruikers skip.

Everyday money tools

Mortgage Repayments

Monthly repayments and total interest over the life of a home loan.

Loan Calculator

Repayments and interest on personal and car loans.

Compound Interest

Watch savings grow — the eighth wonder of the world, quantified.

Retirement Savings

Project your balance at retirement from what you're putting away now.

Percentage Calculator

Increases, decreases, and "what percent of" — the quick one.

Why another calculator site?

Because most Australian calculator pages quietly run on last year's numbers — and this year that's expensive. The second tax bracket changed twelve days ago. HECS repayments follow an entirely new formula. Queensland rewrote its first-home duty rules. A calculator that hasn't noticed isn't a tool, it's a trap.

Every calculator on this site states which schedule it uses, what it doesn't model, and the date we verified it against the ATO or the relevant state revenue office. When a budget changes the rules, we update and re-date the page. That's the whole pitch.