Updated for FY 2026-27 · official ATO + state rates

Australian finance calculators, updated for 2026-27

Stamp duty, income tax, HECS, super and home-loan tools built on this year's real numbers — the new 15% bracket, current state duty schedules and the $32,500 super cap. Free, instant, no sign-up.

Tax & Income

Capital Gains Tax (CGT) 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..

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GST Calculator Australia

Add or subtract Australian GST instantly.

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HECS-HELP Repayment Calculator

Calculate your compulsory HECS-HELP repayment for 2026-27 under the new marginal system: threshold $69,528, 15c in the dollar above it, plus your payoff time..

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Income Tax & Take-Home Pay Calculator

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

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Medicare Levy Surcharge Calculator

Check whether you'll pay the Medicare levy surcharge: 1% to 1.5% of income if you earn over $105,000 single or $210,000 as a family without hospital cover..

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Novated Lease Calculator Australia

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..

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Property & Home Loans

Stamp duty

Stamp Duty Calculator NSW

Calculate NSW transfer duty with the current 2026-27 brackets, including the first home buyer exemption up to $800,000 and the concession to $1 million..

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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..

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Stamp Duty Calculator QLD

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

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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..

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Stamp Duty Calculator SA

Calculate South Australian stamp duty.

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First home buyers

First Home Owners Grant Calculator NSW

Check your NSW first home owner grant: $10,000 for new homes under $600,000, plus zero stamp duty to $800,000.

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First Home Owners Grant Calculator VIC

Check your Victorian first home owner grant: $10,000 for new homes up to $750,000, plus the stamp duty exemption to $600,000.

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First Home Owners Grant Calculator QLD

Check your Queensland first home owner grant: $30,000 for new homes under $750,000, plus zero stamp duty on new builds.

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Home loans

Mortgage Repayment Calculator Australia

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

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Borrowing Power Calculator Australia

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

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Extra Mortgage Repayments Calculator

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

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Offset Account Calculator Australia

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..

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LMI Calculator Australia

Estimate your Lenders Mortgage Insurance (LMI) premium from the property price and deposit, plus your LVR and how much more deposit clears LMI..

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LVR Calculator Australia

Calculate your loan-to-value ratio (LVR) from the property price and your deposit.

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Rent or invest

Rent vs Buy Calculator Australia

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

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Negative Gearing Calculator Australia

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

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Superannuation

Division 293 Tax Calculator

Work out whether you'll pay Division 293 tax and how much: the extra 15% applies to concessional super contributions once income passes $250,000..

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Salary Sacrifice Super Calculator

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

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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..

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Savings & Investing

Compound Interest Calculator Australia

Calculate compound interest with regular monthly contributions: year-by-year growth, total interest earned, and how starting earlier changes the outcome..

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Franking Credits Calculator

Calculate the franking credit on your dividends, the grossed-up amount, and the extra tax or refund at your 2026-27 marginal rate.

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Savings Goal Calculator

Work out the monthly saving needed to hit a goal — house deposit, car, emergency fund — by a deadline, including interest earned along the way..

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Term Deposit Calculator Australia

Calculate term deposit interest at maturity, compare terms, and see your real after-tax return — the number banks never show you..

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