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Finance & Pay Calculators
Australian tax, pay, and budgeting calculators. Calculate your take-home pay, income tax, Medicare levy, and more using current ATO rates.
Take Home Pay Calculator
Calculate your net pay after income tax, Medicare levy, and superannuation deductions.
Open calculatorIncome Tax Calculator
Calculate your Australian income tax payable, effective rate, and marginal rate for any financial year.
Open calculatorTax Withheld Calculator
Calculate PAYG withholding from your pay based on your TFN declaration and pay frequency.
Open calculatorTax Return Estimator
Estimate your tax refund or amount owing based on income, deductions, and offsets.
Open calculatorMedicare Levy Calculator
Calculate your Medicare Levy and Medicare Levy Surcharge based on income and family status.
Open calculatorHome Office Expenses Calculator
Calculate your work-from-home tax deduction using the ATO fixed rate method (67c per hour).
Open calculatorHELP/HECS Repayment Calculator
Calculate your compulsory HELP/HECS study loan repayment based on your repayment income.
Open calculatorBudget Planner
Create a personal budget with categorised income and expenses to find your surplus, deficit, and savings rate.
Open calculatorSavings Goal Calculator
Calculate how long it takes to reach a savings target with regular contributions and interest.
Open calculatorNet Worth Calculator
Calculate your personal net worth by entering your assets and liabilities, and compare your result to Australian median benchmarks for your age group.
Open calculatorLearn
Articles & guides
How Australian Income Tax Works: A Plain-English Guide
Australia's income tax system uses progressive tax brackets, meaning the more you earn, the higher the rate applied to each additional dollar. Here's how it actually works.
6 · Read moreTake-Home Pay in Australia: What Actually Hits Your Bank Account
Your salary and your take-home pay are two very different numbers. This guide breaks down every deduction between your gross income and the dollars you actually spend.
5 · Read moreHELP Debt Repayment Explained: How Student Loans Work in Australia
Australia's HELP scheme lets you study now and repay later — but the repayment system catches many graduates off guard. Here's exactly how your student loan gets repaid through your tax return.
6 · Read moreThe Medicare Levy Explained: Who Pays It and How Much
Most Australians pay a 2% Medicare Levy on their taxable income every year — but many don't fully understand when it applies, who's exempt, and when the extra Medicare Levy Surcharge kicks in.
5 · Read moreWorking From Home Tax Deductions: What You Can Actually Claim in Australia
The ATO has tightened the rules on WFH deductions but there's still serious money on the table if you know what to claim. Here's the full breakdown for 2024-25.
6 · Read moreThe 50/30/20 Budget Rule: A Simple Framework That Actually Works
The 50/30/20 rule divides your after-tax income into three buckets: needs, wants, and savings. It's simple enough to actually stick to — here's how to apply it to an Australian income.
5 · Read moreThe Power of Compound Interest: Why Starting Early Changes Everything
Compound interest turns modest, regular savings into serious wealth — but only if you start early enough. Here's how it works, with real Australian numbers to make the case.
6 · Read moreCredit Card Debt Payoff Strategies: The Fastest Ways to Get Debt-Free
Credit card interest rates in Australia average around 20% — one of the most expensive forms of debt you can carry. Here are the proven strategies to pay it off faster and save thousands in interest.
7 · Read moreCapital Gains Tax on Property in Australia: What You'll Owe and How to Reduce It
Selling an investment property triggers one of the largest tax bills most Australians will ever face. Here's exactly how CGT works on property, which discounts apply, and the legal strategies to reduce your liability.
7 · Read moreTo make next tax season easier, the 13 Pocket Expanding Tax File Organiser ($11.98, 4.5★ from 8 reviews) is worth a look. Affiliate link
