About CalcOz

CalcOz is an independent collection of free Australian finance calculators. It exists because most calculators online are either built for the US, quietly out of date, or wrapped around a lead-capture form. Ours are none of those things: Australian rules, current financial year rates, no sign-up, no data collection beyond basic analytics.

Where the numbers come from

Every rate on this site — tax brackets, HECS thresholds, super caps, and each state's stamp duty schedule — is taken from the primary official source: the ATO, Revenue NSW, the Victorian SRO, Queensland Revenue Office, WA Department of Finance, and RevenueSA. Each calculator page lists its sources at the bottom, and every figure lives in a single reviewed data file so an update in one place flows through calculators and articles together.

How often it's updated

Rates are reviewed at the start of every financial year (when most thresholds change) and again whenever a state budget or federal announcement moves something mid-year — like WA's 2026-27 first home owner thresholds or the HECS marginal repayment reform. The current review status is shown on every calculator page. If you spot a figure that doesn't match the official source, tell us and it will be fixed quickly.

What this site is not

CalcOz provides general information and calculation tools only. Nothing here is financial, tax, credit or legal advice, and no calculator can account for your personal circumstances. The right use of this site is to understand the moving parts and roughly size a decision — then confirm exact figures with the official calculators linked on each page, or with a licensed adviser, accountant or broker.

How the site is funded

CalcOz is free to use and funded by advertising. Ads never influence the calculators' results or the editorial content — the numbers come from official sources and the maths is the maths.