Run the numbers on your Australian money

Take-Home Pay (AU)

PAYG + Medicare Levy 2026-27.

Income Tax (AU)

Stage 3 brackets.

Medicare Levy

2% with low-income phase-in.

Medicare Levy Surcharge

High earners without cover.

PHI Rebate

Income-tested premium rebate.

Low Income Tax Offset

LITO up to $700.

Family Tax Benefit

Part A + Part B.

GST

10% GST inclusive/exclusive.

GST Registration

$75K threshold.

GST Margin Scheme

Property developers.

HECS-HELP

Compulsory study loan repayment.

HECS Indexation

1 June indexation.

Tax Return Estimate

Refund or bill.

Hourly to Annual

Rate to salary.

Salary to Hourly

Salary to rate.

Tax Brackets

Marginal + average rate.

Pay Rise (After Tax)

What you keep.

Working Holiday Maker Tax

417/462 backpacker tax.

Non-Resident Tax

30% from $0.

SAPTO

Seniors & pensioners offset.

PAYG Instalments

Quarterly pre-payments.

Lifetime Health Cover

LHC loading.

Luxury Car Tax

33% above threshold.

Super Contribution

Concessional + non-concessional caps.

Super Guarantee

12% employer SG.

Salary Sacrifice

Reduce tax via pre-tax super.

Concessional Cap

$30K + carry-forward.

Non-Concessional Cap

$120K / $360K bring-forward.

Co-Contribution

Govt match for low earners.

Spouse Contribution

$540 offset.

Division 293

Extra 15% for high earners.

Super Projection

Balance at 67.

Account-Based Pension

Drawdown minimums.

Transition to Retirement

TTR strategy.

Age Pension

Income + assets test.

Downsizer Contribution

$300K from home sale.

Carry-Forward Super

5-year unused cap.

Minimum Pension Drawdown

Age-based minimum.

Retirement Balance Needed

How much super.

Super Death Benefit Tax

Tax to beneficiaries.

Super vs Mortgage

Where to put spare cash.

FIRE

Financial independence.

Coast FIRE

Coast to retirement.

Mortgage

Monthly + fortnightly.

Borrowing Power

APRA 3% buffer.

Offset Account

Interest saved.

Stamp Duty (AU)

State-by-state.

FHB Stamp Duty

First home concession.

First Home Super Saver

FHSS scheme.

LMI Calculator

Lenders Mortgage Insurance.

Land Tax

State investment property tax.

Negative Gearing

Rental loss tax shield.

Rental Income Tax

Full interest deduction.

Foreign Resident CGT

15% withholding.

Rent vs Buy

Buy or rent + invest.

Extra Repayment

Interest + time saved.

Interest-Only vs P&I

Repayment comparison.

Rental Yield

Gross + net yield.

First Home Owner Grant

FHOG by state.

Home Equity

Usable equity.

Refinance Savings

Switch-rate saving.

Capital Gains Tax

50% discount >12mo.

Share Trading CGT

Shares CGT.

Crypto Tax

Crypto as CGT asset.

Franking Credits

Dividend imputation.

ETF Investment

Portfolio projection.

Compound Interest

Growth projection.

Dollar-Cost Averaging

Regular investing.

Dividend Reinvestment

DRP compounding.

ETF Fee Impact

MER drag over time.

Term Deposit

Maturity + interest.

Shares vs Property

Investment comparison.

Company Tax

25% / 30%.

Sole Trader Tax

Marginal + Medicare.

FBT

47% fringe benefits tax.

Payroll Tax

State wages tax.

Novated Lease

EV FBT-exempt.

Salary Packaging

NFP FBT-exempt cap.

Income Protection

Disability cover.

Life Insurance

Cover gap.

TPD Insurance

Disability cover needed.

Day Rate vs Salary

Contractor equivalent.

Contractor vs Employee

True employer cost.

Instant Asset Write-Off

Immediate deduction.

Division 7A

Company loan repayment.

BAS Estimate

GST + PAYG quarterly.

Paid Parental Leave

Government PPL.

Redundancy Payout

NES + tax-free ETP.

Debt Payoff

Avalanche vs snowball.

Personal Loan

Repayment.

Auto Loan

Car finance.

Budget

50/30/20.

Savings Rate

Years to FI.

Emergency Fund

3-6 months.

Net Worth

Assets minus liabilities.

Inflation

Real value.

Savings Goal

Monthly to hit a target.

Credit Card Payoff

Time + interest to clear.

Car Lease vs Buy

Lease or buy a car.

Income Percentile

Where your income ranks.