Free Australia Financial Calculators | GlobalCalc

Australia · 2025–26 · 110 calculators live

Australian

Financial

Calculators.

110 free calculators for property, tax, income, super, savings, debt, business and more — all using current 2025–26 ATO rates and APRA standards. Runs in your browser — no sign-up, no data stored.

100% free No sign-up 110 AU calculators Runs in your browser 2025–26 ATO rates

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Australia-specific calculators using current ATO income tax brackets and the Medicare Levy and Surcharge, HECS-HELP repayment thresholds, state-by-state Stamp Duty rates (NSW, VIC, QLD, WA, SA, TAS, ACT, NT), APRA-aligned super contribution caps and Division 293 rules, PAYG withholding tables, the CGT 50% discount for assets held over 12 months, and Negative Gearing tax treatment. Built for individuals filing in AUD for the 2025–26 financial year.

Most used in Australia

🔥 Income Tax 🔥 Mortgage 🔥 Stamp Duty Super Pay LVR HECS-HELP

Australian major decisions

Having a baby Buying a home Starting a business Planning an estate Retiring Moving cities

Property & Mortgages

Australia home loans, borrowing, and property costs

18 calculatorsSee all →

Borrowing Capacity

Calculate your Australian take-home pay after income tax, Medicare levy, HECS and super...

Calculate how much you can borrow using APRA's 3% buffer and 2025-26 tax rates.

Calculate monthly, fortnightly or weekly mortgage repayments with P&I breakdown and offset.

Property Depreciation

Calculate your loan-to-value ratio, see if LMI applies, and how deposit size affects your LVR.

Calculate bridging loan peak debt, total interest, and remaining mortgage after your home sells.

Calculate land tax across all Australian states for 2025-26 using current thresholds and rates.

Mortgage Offset

Calculate how much interest and time an offset account saves on your Australian mortgage.

Mortgage Repayment

Calculate total capital gain, CAGR, inflation-adjusted real return, and estimated CGT on property.

Negative Gearing

Calculate negative gearing tax benefits, rental loss, tax savings, and after-tax cost.

Calculate gross and net rental yield on investment property from purchase price, rent and expenses.

Calculate investment property depreciation -- Div 43 building allowance and Div 40 plant & equipment.

Calculate stamp duty on property in NSW for first home buyers, investors and foreign purchasers.

Calculate stamp duty in Queensland with 2025-26 transfer duty rates and first home concessions.

Calculate stamp duty in South Australia with first home buyer concessions and 2025-26 rates.

Calculate conveyance duty in the ACT with first home buyer concessions and 2025-26 rates.

Calculate stamp duty on property in Victoria with 2025-26 rates and PPR concessions.

Calculate stamp duty in Western Australia with first home buyer concessions and 2025-26 rates.

Construction Loan

Calculate construction loan interest by progress draw stage with land loan and IO period modelling.

Australia tax, withholding and ATO tools

14 calculatorsSee all →

ABN Business Expenses

Calculate stamp duty in Tasmania with first home buyer and pensioner concessions for 2025-26.

Calculate compulsory and voluntary super contributions with concessional and non-concessional caps.

ATO Home Office Deduction

Calculate Australian income tax for 2025-26 with marginal rates, Medicare levy, and LITO offset.

ATO Penalty & Interest

Calculate your HECS-HELP repayment based on 2025-26 ATO income thresholds and years to repay.

Capital Gains Tax

Calculate income tax for ABN holders and sole traders, including Medicare levy, GST, and PAYG.

Car Tax Deduction

Calculate deductible business expenses for ABN holders -- home office, vehicle, phone, and more.

Add or remove 10% GST from any Australian price. Calculate GST-inclusive and exclusive amounts.

HECS-HELP Repayment

Calculate your ATO home office deduction using the 67c/hr fixed rate for 2025-26.

Calculate ATO GIC interest and failure-to-lodge penalties for overdue tax with remission guidance.

Medicare Levy Surcharge

Check if you owe the Medicare Levy Surcharge and whether private hospital cover would save you money.

PAYG Withholding

Calculate PAYG withholding on salary and contractor payments using 2025-26 ATO tax tables.

Calculate CGT on investments including the 50% discount for assets held 12+ months.

Calculate CGT on crypto using ATO rules -- Bitcoin, Ethereum, NFTs, staking, and mining income.

Estate Planning Cost

Calculate motor vehicle stamp duty for all 8 states and territories, including EV exemptions.

Australia pay, salary, and earnings tools

11 calculatorsSee all →

Annual Leave Payout

Calculate your annual leave payout on resignation or termination in Australia. Includes...

Hourly to Salary

Convert hourly rate to annual salary in Australia. Includes super, tax and take-home pa...

Calculate tax savings from a novated lease in Australia. Compare novated lease vs buyin...

Compare ATO cents-per-km (88c/km) vs logbook method and see your car tax deduction saving.

Calculate the dollar and percentage impact of a pay rise on your Australian salary and ...

Salary to Hourly

Convert annual salary to hourly rate in Australia. Accounts for standard hours, super a...

Calculate casual pay rate including 25% loading. Compare casual vs permanent annual inc...

Centrelink Income Test

Estimate how your income affects Centrelink payments in 2025-26. Covers JobSeeker, Age ...

Calculate your true childcare cost after the Child Care Subsidy (CCS) in 2025-26. Inclu...

Childcare Gap Fee

Calculate your childcare gap fee — the portion of your provider's fee above the CCS hou...

Child Care Subsidy

Find your Child Care Subsidy rate for 2025-26. Enter your household income to get your ...

Australia super contributions and retirement planning

4 calculatorsSee all →

Estimate your Age Pension entitlement using the 2025-26 assets test, income test, and deeming rates.

Super Contributions

Calculate estate administration costs -- probate fees, executor fees, CGT on inherited assets.

Project your super balance to retirement by modelling contributions, investment returns, and fees.

Defined Benefit Super

Estimate your defined benefit pension at retirement -- supports CSS, PSS, QSuper DB, and more.

Savings & Investment

Australia growth, ROI, and long-term planning

20 calculatorsSee all →

Calculate residential aged care costs in Australia — basic daily fee, RAD, Daily Accomm...

Calculate annuity income from a lump sum in Australia. See monthly and annual payments,...

Asset Allocation

Find your ideal investment portfolio mix based on age, risk tolerance, and time horizon...

Calculate the cost of having a baby in Australia — hospital birth, nursery, nappies, fo...

Calculate Australian bond prices from yield to maturity. See premium/discount, current ...

Calculate your emergency fund target, opportunity cost of holding cash vs investing, an...

Compound Interest

Calculate compound interest on savings or investments. Covers daily, monthly and annual...

Calculate dividend yield, franking credits and after-tax return on Australian shares. E...

Inflation Adjustment

Calculate the inflation-adjusted value of money using Australian CPI data. See how purc...

Calculate your total net worth by entering assets and liabilities. Track your financial...

Calculate return on investment (ROI), annualised return and profit from any Australian ...

Calculate how long to reach your savings goal based on current balance, monthly contrib...

Simple Interest

Calculate simple interest on loans or investments. See principal, interest earned and t...

Calculate CPI inflation adjustments using ABS data for Australia. See how much more you...

CPI Inflation Impact

Calculate how inflation erodes purchasing power in Australia. See real vs nominal value...

Currency Converter

Convert Australian Dollars to and from USD, GBP, EUR, JPY, NZD, SGD, and 15 more curren...

Dollar Cost Averaging

Calculate the power of dollar cost averaging (DCA) for Australian share and ETF investm...

Dividend Reinvestment

Calculate the long-term value of DRP vs taking dividends as cash. Models Australian fra...

Calculate tax on Australian share dividends. See franking credits, grossed-up dividend,...

Cash-on-Cash Return

Calculate cash-on-cash return for Australian investment properties. Includes IO vs P+I ...

Australia repayment, payoff, and borrowing tools

11 calculatorsSee all →

Balloon Payment

Calculate car or business loan repayments with a balloon (residual) payment. See monthl...

Buy Now Pay Later

Calculate the true cost of Afterpay, Zip, Klarna and other BNPL services in Australia. ...

Calculate Australian car loan repayments, total interest, comparison rate, and amortisa...

Calculate car loan monthly repayments in Australia. Enter loan amount, interest rate, a...

Credit Card Payoff

Calculate how long to pay off your credit card and total interest paid. Model minimum p...

Calculate how long to pay off debt using avalanche or snowball method. Model multiple d...

Calculate loan repayments, total interest and schedules for any loan amount, rate and t...

Credit Card Comparison

Compare Australian credit cards by true annual cost including interest, fees, and rewar...

Credit Score Estimator

Estimate your Australian Equifax credit score. Enter payment history, utilisation, enqu...

Debt Consolidation

Calculate how much you save consolidating credit card and personal debt into a lower-ra...

Calculate deposit bond cost and compare to cash deposit, term deposit interest earned, ...

Australia margin, ROI, and planning tools

15 calculatorsSee all →

Accounts Receivable

Calculate days sales outstanding (DSO), receivables aging, and cash tied up in debtors.

Find the units or revenue needed to cover fixed and variable costs with break-even analysis.

Calculate your monthly or annual budget surplus or deficit from income and expenses.

Business Acquisition

Calculate acquisition ROI, payback period, P/E multiple, and loan serviceability (DSCR).

Business Break-Even

Calculate break-even units and revenue with contribution margin, margin of safety, and target profit.

Business Cash Flow Forecast

Forecast 12-month cash flow -- balance projection, lowest cash point, runway, and net cash flow.

Calculate business loan repayments, total interest, comparison rate, and tax deduction benefit.

Business Startup

Calculate startup capital needed -- setup costs, runway, safety buffer, and contingency by type.

Business Valuation

Estimate business value using EBITDA multiple, net assets, revenue multiple, and DCF methods.

Calculate fuel cost for any Australian road trip. Enter distance, fuel efficiency and p...

Calculate gross profit margin, net profit margin, and markup from revenue and costs.

Commercial Lease

Calculate total commercial lease cost -- rent schedule, outgoings, GST, fitout, and affordability.

Contractor vs Employee

Compare true cost of a contractor vs employee -- break-even rate, on-costs, super, and payroll tax.

Discount Calculator

Calculate sale price, discount percentage, or original price with GST breakdown and stacked discounts.

Division 7A Loan

Calculate Division 7A minimum repayments for private company loans using 2025-26 ATO benchmark rate.

Australia cost of living and household budgeting

11 calculatorsSee all →

Calculate your Australian monthly cost of living -- housing, food, transport, and utilities by city.

Vehicles & Transport

Calculate true cost per kilometre including fuel, insurance, rego, servicing, tyres, and depreciation.

Calculate your annual coffee spend, 10-year opportunity cost if invested, and home brew comparison.

Cost of Living Comparison

Compare cost of living between Australian cities and find the equivalent salary you need.

Sydney vs Melbourne Cost

Compare Sydney and Melbourne living costs -- equivalent salary, savings, and full spending breakdown.

Car Depreciation

Calculate car depreciation using ATO diminishing value and straight-line methods with yearly schedule.

Calculate total cost of importing a car -- duty, GST, Luxury Car Tax, compliance, and shipping.

Estimate car insurance premiums -- compare comprehensive, TPFT, and third party with rating factors.

Car Registration Cost

Estimate annual car registration cost in all states, including CTP levy, concessions, and EV adjustments.

Car Running Cost

Calculate total cost of owning a car -- depreciation, fuel, insurance, rego, servicing, and more.

Air Travel Cost

Calculate the true cost of flying vs driving in Australia. Compare airfare, baggage, tr...

Australia health, calorie, and wellbeing tools

6 calculatorsSee all →

Calculate your BMI in Australia. See your category (underweight, healthy, overweight, o...

Body Fat Percentage

Calculate your body fat percentage using the US Navy circumference method. Enter waist,...

Advanced BMI & Healthy Weight

Calculate BMI, waist-to-hip ratio, waist-to-height ratio, and healthy weight range. Fou...

Calculate your daily calorie needs using the Mifflin-St Jeor formula. See your BMR, TDE...

Carbon Footprint

Calculate your annual carbon footprint in Australia. Includes electricity, car travel, ...

Cost of Smoking

Calculate the annual and lifetime cost of smoking cigarettes in Australia. See the inve...

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Every calculation runs in your browser. Zero data leaves your device. No accounts, no tracking, no ads built around your inputs.

Built for the world

Starting with Australia, expanding market by market. Finance first — then every domain where precise calculation matters.

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Results come with breakdowns, charts, and sensitivity tables so you understand not just the answer — but how it’s reached.

About GlobalCalc

GlobalCalc is building the world’s calculation infrastructure — free, accurate tools for every financial decision. Starting in Australia with 110 calculators across property, tax, income, super, savings, debt, business, living costs, and health, with more markets and more domains on the way.

All calculations run in your browser. No data is sent to any server. No account required. Results include full workings, breakdowns, and charts — so you understand not just the answer, but how it’s reached.

Finance. Then everything.

220 calculators today across property, tax, income, and more. Engineering, science, travel, and 20+ more domains launching soon. Built to be the world’s calculation infrastructure.

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