Savings Calculators — Australia
Model your savings growth, investment returns, and the real impact of inflation on your money using accurate Australian financial calculations.
Interest & Growth
Compound Interest Calculator
Calculate compound interest on savings or investments. Covers daily, monthly and annual...
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Term Deposit Calculator
Interest, maturity value and after-tax return on any term deposit — with the $250,000 FCS guarantee check.
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Simple Interest Calculator
Calculate simple interest on loans or investments. See principal, interest earned and t...
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Savings Goal Calculator
Calculate how long to reach your savings goal based on current balance, monthly contrib...
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Emergency Fund Calculator — Calculator
Calculate your emergency fund target, opportunity cost of holding cash vs investing, an...
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ROI Calculator
Calculate return on investment (ROI), annualised return and profit from any Australian ...
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Net Worth Calculator
Calculate your total net worth by entering assets and liabilities. Track your financial...
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Shares & Dividends
Dividend Yield Calculator
Calculate dividend yield, franking credits and after-tax return on Australian shares. E...
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Dividend Reinvestment Calculator — Calculator
Calculate the long-term value of DRP vs taking dividends as cash. Models Australian fra...
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Dividend Tax Calculator — Calculator
Calculate tax on Australian share dividends. See franking credits, grossed-up dividend,...
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Dollar Cost Averaging Calculator — Calculator
Calculate the power of dollar cost averaging (DCA) for Australian share and ETF investm...
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Cash-on-Cash Return Calculator — Calculator
Calculate cash-on-cash return for Australian investment properties. Includes IO vs P+I ...
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Bond Calculator — Calculator
Calculate Australian bond prices from yield to maturity. See premium/discount, current ...
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Asset Allocation Calculator
Find your ideal investment portfolio mix based on age, risk tolerance, and time horizon...
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Inflation & Currency
Inflation Adjustment Calculator
Calculate the inflation-adjusted value of money using Australian CPI data. See how purc...
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CPI Inflation Calculator — Calculator
Calculate CPI inflation adjustments using ABS data for Australia. See how much more you...
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CPI Inflation Impact Calculator — Calculator
Calculate how inflation erodes purchasing power in Australia. See real vs nominal value...
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Currency Converter — Calculator
Convert Australian Dollars to and from USD, GBP, EUR, JPY, NZD, SGD, and 15 more curren...
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Annuity Calculator
Calculate annuity income from a lump sum in Australia. See monthly and annual payments,...
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Life Planning
Aged Care Cost Calculator
Calculate residential aged care costs in Australia — basic daily fee, RAD, Daily Accomm...
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Baby Cost Calculator
Calculate the cost of having a baby in Australia — hospital birth, nursery, nappies, fo...
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Time value of money
Future Value Calculator
What a lump sum and regular contributions grow to at a given rate — and how much of the result is your own money.
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Present Value Calculator
What a future amount, or a stream of future payments, is worth today.
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NPV Calculator
Net present value and internal rate of return for a series of cash flows — the standard test for whether a project is worth doing.
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Annuity Payout Calculator
What regular income a lump sum can pay for a set number of years — and how long it lasts at a given withdrawal.
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Rates & returns
Effective Interest Rate Calculator
Convert a nominal rate into the effective annual rate it really pays — the AER, APY or comparison figure.
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Rule of 72 Calculator
How long money takes to double at a given rate — the mental shortcut, and the exact answer beside it.
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Interest Rate Calculator
Work backwards to the rate: what return turned this starting amount into that ending amount over that time?.
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APR Calculator
The true annual cost of a loan once fees are included — the figure that makes two loans comparable.
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Investment Fee Calculator
What an annual fee costs over the life of an investment — usually far more than the percentage suggests.
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Deals & decisions
Payback Period Calculator
How long an investment takes to pay for itself — plain and discounted.
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Commission Calculator
Commission on a sale, including a split and a tiered rate above a threshold.
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Down Payment Calculator
How much deposit you need, what it leaves you borrowing, and the loan-to-value ratio that follows.
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Lease Calculator
The monthly payment on a lease, from the price, residual value and money factor — and the interest rate that money factor really is.
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Time value of money
Emergency Fund Calculator
How large an emergency fund should be for your circumstances, how long it takes to build, and how long the current one would last.
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Time Value of Money Calculator
The five time-value variables, solving for whichever one you do not know — present value, future value, payment, rate or number of periods.
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FIRE Calculator
The portfolio needed for financial independence and how long it takes to reach — with the savings rate that actually drives the answer.
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Sinking Fund Calculator
How much to set aside each month for a known future cost — a car replacement, a roof, school fees — so it never becomes debt.
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Savings Withdrawal Calculator
How long a balance lasts at a given withdrawal rate — and the withdrawal that would make it last indefinitely.
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Rates & returns
Real Interest Rate Calculator
The real rate of return after inflation — using the exact Fisher relation rather than the approximation, which matters once inflation is high.
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Buying Power Calculator
What an amount of money is worth after inflation — in either direction, and what it would take to keep pace.
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Finance Charge Calculator
The total finance charge on a loan or credit balance — every dollar of interest and fees over the life of the borrowing.
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Month Over Month Growth Calculator
Month-over-month growth, what it compounds to over a year, and how it compares against the same month last year.
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Semi-Monthly Pay Calculator
Convert pay between weekly, fortnightly, semi-monthly, monthly and annual — including the two extra fortnightly pays a year that budgets forget.
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Deals & decisions
Debt Snowball Calculator
Pay debts smallest balance first — how long the whole set takes, what it costs in interest, and when each one clears.
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Debt Avalanche Calculator
Pay debts highest interest rate first — the mathematically cheapest order, with the saving against the snowball shown.
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Debt Ratios Calculator
The debt ratios lenders actually use — debt-to-income, debt-to-asset, and how much headroom is left before each threshold.
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Debt to Equity Ratio Calculator
The debt-to-equity ratio and the related leverage measures — how much of a balance sheet is borrowed money.
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Home Affordability Calculator
What price you can afford from your income, deposit and existing debts — using the debt-to-income limits lenders apply.
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Car Affordability Calculator
What car you can afford — not just the repayment, but the running costs that decide whether it actually fits.
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Liquid Net Worth Calculator
Net worth split into what you could reach quickly and what you could not — the distinction that matters in an emergency.
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Subscription Cost Calculator
The annual cost of a list of subscriptions, what they compound to if invested instead, and which ones dominate the total.
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Financial Leverage Ratio Calculator
The leverage ratio and what it does to returns — magnified in both directions, with the loss that wipes out the equity.
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Budget Calculator
Income split across needs, wants and savings — the 50/30/20 rule, checked against what you actually spend.
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About these calculators
Savings and investment calculators model compounding, inflation, contribution timing, and simple return assumptions for planning. Projections are illustrative and depend on assumptions that may not occur in practice.