Financial calculators
All calculators use official Australian data sources. No sign-up required.
Whether you're planning for retirement, buying a home, or working out your take-home pay, our calculators give you accurate, independent numbers — no sponsored results, no product recommendations. All tools are updated for the 2025–26 financial year using rates from the ATO, APRA, ASFA, and state revenue offices. Used by Australians in every state and territory.
Pay & Tax Calculator
Calculate your exact take-home pay for 2024–25 and 2025–26. Includes Medicare levy, HECS/HELP repayments, salary sacrifice, and novated leases.
Super & Retirement Calculator
Project your super balance to retirement, model salary sacrifice, aged pension eligibility, and see how long your money lasts — including couple mode.
HECS & HELP Repayment Calculator
See your 2025–26 compulsory repayment, how indexation affects your balance, and the exact year your student debt is paid off.
Mortgage & Offset Calculator
See exactly how an offset account shortens your loan, model extra repayments and lump sums, and compare fortnightly vs monthly payments.
Stamp Duty Calculator
Stamp duty for all 8 states and territories. First home buyer concessions, foreign purchaser surcharges, and side-by-side state comparison.
Capital Gains Tax Calculator
Calculate CGT on property, shares, or crypto. Includes the 50% discount, main residence exemption, 6-year rule, and foreign resident rules.
Compound Interest Calculator
See how your savings grow over time with compound interest. Weekly to annual contributions, inflation-adjusted real value, and Rule of 72.
Personal & Car Loan Calculator
Model personal loans, car loans, novated leases, and medical or holiday finance. Includes balloon payments and debt-to-income affordability check.
Childcare Subsidy Calculator
Calculate your CCS entitlement based on income and activity test. Coming soon — the most accurate free CCS calculator in Australia.
Why Australian Life Costs?
Most financial calculators are built to sell you something. Ours aren't.
No conflicts of interest
We don't promote financial products, accept referral fees, or rank results based on who pays us. Every number is independent.
Official sources only
All data comes from the ATO, APRA, ASFA, Services Australia, and state revenue offices. We cite every figure.
Updated annually
Tax rates, super caps, stamp duty thresholds, and pension rates are updated each financial year. Last update: July 2025.
Carefully maintained
All calculators are checked for accuracy against official ATO and government sources before each update. Tax rates, caps and thresholds are verified annually.
General information — not financial advice
Australian Life Costs does not hold an Australian Financial Services Licence (AFSL) and is not authorised to provide personal financial advice. All calculators produce general estimates only. Before making financial decisions, consult a licensed financial adviser. Find a licensed adviser via ASIC MoneySmart →