Australian finance calculators, updated for 2026-27

Every calculator on this site uses the current official rates — the new 15% tax bracket, the 2026-27 HECS marginal repayment thresholds, this year's stamp duty schedules for every state, and the $32,500 concessional super cap. Free, instant, and built for Australians.

Tax & Income

Capital Gains Tax Calculator

Calculate CGT on shares, crypto or an investment property: 50% discount for assets held over 12 months, added to your income at 2026-27 marginal rates..

GST Calculator

Add or subtract Australian GST instantly.

HECS-HELP Repayment Calculator

Calculate your compulsory HECS-HELP repayment for 2026-27 under the new marginal system.

Australian Income Tax Calculator

Calculate your 2026-27 Australian income tax, Medicare levy and take-home pay with the new 15% bracket.

Novated Lease Calculator

Compare a novated lease against a car loan: pre-tax salary deductions, the EV FBT exemption, GST savings and residual value — see which really costs less..

Property & Home Loans

Borrowing Power Calculator

Estimate how much you can borrow for a home the way lenders actually assess it — after tax, HEM living expenses, existing debts and the APRA 3% serviceability buffer..

Extra Repayments Calculator

See how much interest and time extra home loan repayments save.

Mortgage Repayment Calculator

Calculate your home loan repayments weekly, fortnightly or monthly, see total interest over the life of the loan, and compare principal-and-interest vs interest-only..

Negative Gearing Calculator

Calculate the real after-tax cost of a negatively geared investment property: rental loss, tax refund at your marginal rate, and the growth needed to come out ahead..

Offset Account Calculator

Calculate how much interest an offset account saves on your home loan balance, how much faster you'll be debt-free, and whether the package fee is worth paying..

Rent vs Buy Calculator

Compare renting and buying the same home over 10 years — mortgage interest, rates, maintenance and stamp duty against rent paid and investment returns on the deposit..

Stamp Duty Calculator NSW

Calculate NSW transfer duty with the current 2026-27 brackets.

Stamp Duty Calculator QLD

Calculate Queensland transfer duty with the home concession and first home concession.

Stamp Duty Calculator SA

Calculate South Australian stamp duty.

Stamp Duty Calculator VIC

Calculate Victorian land transfer duty including the principal place of residence rate, the first home buyer exemption to $600,000 and concession to $750,000..

Stamp Duty Calculator WA

Calculate Western Australia transfer duty including the new 2026-27 first home owner thresholds — $0 duty up to $600,000 and concessions to $800,000..

Superannuation

Salary Sacrifice Super Calculator

See the tax saving from salary sacrificing into super: 15% contributions tax vs your marginal rate, the cost to your take-home pay, and the $32,500 concessional cap..

Super Contribution Cap Calculator

Track your 2026-27 concessional ($32,500) and non-concessional ($130,000) super contribution caps, including employer SG, carry-forward and bring-forward rules..