Australia's Smart Finance & Business Tools
Explore 135 free Australian calculators and tools across 5 essential categories: Tax & Income, Business & Commercial, Workplace Rights, Cost of Living, and Mortgages & Property.
Tax & Income Calculators
35 ToolsCalculate your income tax, PAYG withholding, superannuation, deductions, GST, and tax refund for Australia.
PAYG Take Home Pay Calculator
Estimate your take-home pay after PAYG withholding tax and Medicare levy in Australia.
Income Tax Calculator
Calculate individual income tax, Medicare levy, and net pay for the current tax year.
Taxable Income Calculator
Determine taxable income after allowable deductions, work expenses, and offsets.
Tax Bracket Calculator
Find your resident tax bracket, marginal rate, and effective tax rate in Australia.
Tax Rate Calculator
Quickly calculate Australian resident and foreign resident income tax rates.
Tax Deduction Calculator
Estimate potential tax savings from allowable work, vehicle, and self-education deductions.
Work From Home Tax Calculator
Calculate work-from-home tax deductions using fixed-rate or actual cost methods.
Car Tax Deduction Calculator
Calculate cents-per-km vs logbook method tax deductions for work-related car use.
GST Calculator Australia
Add or remove 10% Goods and Services Tax (GST) for Australian sales and invoices.
Superannuation Calculator
Project your super balance at retirement with Super Guarantee (SG) contributions.
Super Contribution Calculator
Compare concessional and non-concessional super contributions tax benefits.
Salary Sacrifice Calculator
Calculate tax savings by sacrificing pre-tax salary into superannuation.
HECS-HELP Repayment Calculator
Estimate mandatory HECS-HELP student debt repayments based on ATO income thresholds.
Medicare Levy Calculator
Calculate 2% Medicare levy and check low-income reduction entitlement.
Medicare Levy Surcharge Calculator
Determine MLS liability for high earners without private health hospital cover.
Sole Trader Tax Calculator
Estimate net profit tax, superannuation liability, and quarterly PAYG instalments.
Company Tax Calculator
Calculate Australian company tax liability at 25% base rate or 30% standard rate.
Crypto Tax Calculator
Calculate capital gains tax (CGT) on cryptocurrency trades, swaps, and disposals.
Tax Refund Calculator
Estimate expected ATO tax refund or tax payable balance at end of financial year.
PAYG Withholding Calculator
Calculate employer PAYG tax withholding on weekly, fortnightly, or monthly wages.
PAYG Instalment Calculator
Calculate activity statement quarterly PAYG instalment amounts for sole traders.
FBT Calculator
Calculate Fringe Benefits Tax liability on employer-provided cars, meal entertainment, and benefits.
BAS GST Calculator
Calculate quarterly Business Activity Statement GST collected vs GST credits claimed.
Capital Gains Tax Calculator
Calculate net capital gain with 50% CGT discount for assets held over 12 months.
Property CGT Calculator
Estimate capital gains tax liability when selling an Australian investment property.
Main Residence CGT Calculator
Calculate partial CGT exemption using 6-year rule when renting out home.
Foreign Resident CGT Calculator
Calculate capital gains tax liability and FRCGW withholding for foreign tax residents.
Dividend Tax Calculator
Calculate tax on fully franked, partially franked, or unfranked Australian shares.
Investment Property Tax Calculator
Calculate rental property income, negative gearing deductions, and tax savings.
Rental Property Tax Calculator
Estimate annual tax deductions for rental property interest, repairs, and depreciation.
Salary Packaging Calculator
Calculate take-home pay increase from employer salary packaging fringe benefits.
Novated Lease Calculator
Estimate tax savings on vehicle pre-tax lease payments and running costs.
Instant Asset Write-Off Calculator
Calculate small business tax write-offs for eligible depreciating asset purchases.
Trust Distribution Tax Calculator
Calculate tax liability for discretionary family trust beneficiaries on distributed income.
Payroll Tax Calculator
Calculate state employer payroll tax liability across NSW, VIC, QLD, WA, SA, and TAS.
Business & Commercial Tools
25 ToolsManage business finances, break-even targets, profit margins, GST, cash flow, and employer obligations.
Contractor vs Employee Calculator
Evaluate tax, super, workers compensation, and legal differences between employee vs contractor.
Business Valuation Calculator
Estimate small business market valuation using SDE multiples, EBITDA, and discounted cash flow.
Invoice Payment Terms Calculator
Calculate payment due dates, early payment discount savings, and overdue interest.
Late Payment Interest Calculator
Calculate statutory interest charges on overdue commercial B2B unpaid invoices.
Fuel Tax Credits Calculator
Calculate ATO fuel tax credit refund claim rates for business heavy vehicles and machinery.
Cash Flow Forecast Calculator
Project monthly business cash inflows and outflows to prevent liquidity shortfalls.
Business Insurance Cost Calculator
Estimate business insurance premiums for public liability, professional indemnity, and property.
Workers Compensation Premium Calculator
Estimate state workers compensation insurance premiums based on employer industry wages.
Employee Cost Calculator
Calculate true total cost of employing staff including super, leave loading, payroll tax, and insurance.
Employer Payroll Cost Calculator
Calculate total employer payroll expenditure across base salaries, superannuation, and allowances.
Business Startup Cost Calculator
Estimate total upfront initial capital required to launch an Australian small business.
Sole Trader vs Company Calculator
Compare tax rates, legal liability protection, and administration costs between sole trader and company.
Business Structure Calculator
Find optimal business structure among sole trader, partnership, company, or discretionary trust.
ABN Eligibility Checker
Check entitlement to register an Australian Business Number (ABN) for trading.
GST Registration Threshold Calculator
Track 12-month rolling business turnover against the $75,000 mandatory GST registration threshold.
Break-Even Calculator
Calculate sales volume and revenue required to cover total fixed and variable operating costs.
Markup Calculator
Calculate product selling price, cost markup percentage, and gross profit margin.
GST Invoice Calculator
Generate tax compliant invoice totals with itemized 10% GST breakdown.
Business Cash Flow Calculator
Analyze business cash receipts versus operating payments to measure net cash flow.
Business Revenue Calculator
Calculate gross sales revenue, average transaction value, and growth trajectories.
Business Loan Calculator
Calculate commercial loan principal, monthly interest repayments, and borrowing capacity.
Business Loan Repayment Calculator
Estimate monthly, fortnightly, or weekly repayments for equipment and business loans.
Profit Margin Calculator
Calculate gross, operating, and net profit margins from sales revenue and expenses.
Gross Profit Calculator
Calculate gross profit dollar value and percentage margin above cost of goods sold.
Net Profit Calculator
Calculate final bottom-line net profit after deductable operating expenses and taxes.
Workplace & Employment Tools
25 ToolsCalculate Fair Work award rates, leave entitlements, notice periods, overtime, redundancy, and employment rights.
Award Rate Calculator
Look up minimum Fair Work modern award base pay rates and classification levels.
Working Hours Calculator
Calculate total weekly work hours excluding unpaid meal breaks across shifts.
Break Time Calculator
Check Fair Work mandatory rest break and meal break entitlements for shift length.
Workplace Injury Compensation Checker
Check eligibility for workers compensation payments after work injuries.
Employment Rights Checker
Verify National Employment Standards (NES) rights for annual leave, sick leave, and flexible work.
Hourly Rate to Salary Calculator
Convert hourly wages into equivalent annual full-time base salary.
Salary to Hourly Rate Calculator
Convert annual salary into base hourly rate based on weekly standard hours.
Employer Payroll Tax Calculator
Calculate state payroll tax liabilities for total employer Australian wages.
Superannuation on Salary Calculator
Calculate mandatory Super Guarantee (SG) payments owed by employers on ordinary time earnings.
Minimum Wage Calculator
Check national minimum wage rates for adult, junior, apprentice, and trainee employees.
Final Pay Calculator
Calculate total final termination pay including accrued leave, notice, and severance.
Leave Entitlement Calculator
Calculate accrued annual leave, personal sick leave, and long service leave hours.
Part-Time Leave Calculator
Calculate pro-rata annual and personal leave entitlements for part-time employees.
Employment Termination Pay (ETP) Calculator
Calculate tax-free ETP caps and tax rates on employment termination payments.
Pay Rise Calculator
Calculate gross increase in pay from percentage or dollar wage increases.
Notice Period Calculator
Check mandatory Fair Work resignation or termination notice periods by length of service.
Casual Loading Calculator
Calculate 25% casual loading pay added to base hourly award rates.
Casual vs Permanent Employee Calculator
Compare casual loading income vs permanent paid leave and job security benefits.
Overtime Pay Calculator
Calculate 1.5x time-and-a-half and 2.0x double-time penalty rates for overtime hours.
Public Holiday Pay Calculator
Calculate 2.5x double-time-and-a-half public holiday working penalty pay rates.
Redundancy Pay Calculator
Calculate Fair Work severance redundancy pay weeks based on years of continuous service.
Unfair Dismissal Eligibility Checker
Check eligibility criteria to submit a Fair Work Commission unfair dismissal claim.
Annual Leave Calculator
Calculate 4 weeks annual paid leave accrual and 17.5% leave loading.
Sick Leave Calculator
Calculate 10 days annual paid personal/carer sick leave accrual.
Long Service Leave Calculator
Estimate long service leave entitlements after 7 to 10+ years of continuous service.
Cost of Living & Welfare Tools
25 ToolsPlan personal budgets, estimate Centrelink welfare entitlements, childcare costs, and vehicle running expenses.
Parenting Payment Eligibility Checker
Check Services Australia income and assets tests for Parenting Payment Single or Partnered.
JobSeeker Payment Calculator
Estimate fortnightly JobSeeker payment rates after income and asset testing.
Age Pension Calculator
Calculate fortnightly Age Pension payments under ATO income test and assets test.
Child Support Calculator
Estimate child support payments using Services Australia parent income formulas.
Childcare Cost Calculator
Calculate out-of-pocket daily childcare costs after Child Care Subsidy (CCS).
Electricity Bill Comparison Calculator
Compare energy provider kWh tariffs and supply charges to lower electricity bills.
Inflation Calculator
Calculate purchasing power changes using ABS Consumer Price Index (CPI) data.
Centrelink Payment Eligibility Checker
Check entitlement for JobSeeker, Youth Allowance, Carer Payment, and Disability Support.
Family Tax Benefit Calculator
Estimate annual Family Tax Benefit Part A and Part B payments for eligible families.
Child Care Subsidy (CCS) Calculator
Calculate CCS subsidy percentage based on combined family annual income.
Fuel Cost Calculator
Estimate fuel cost for road trips based on distance, fuel price, and vehicle L/100km.
Car Running Cost Calculator
Calculate total annual car ownership costs including registration, insurance, fuel, and service.
Fuel Consumption Calculator
Calculate vehicle fuel efficiency in Litres per 100km (L/100km) or MPG.
Electricity Cost Calculator
Calculate appliance running cost based on wattage, usage hours, and kWh electricity rates.
Solar Savings Calculator
Estimate rooftop solar system electricity bill savings and payback period.
Emergency Fund Calculator
Calculate recommended 3 to 6 months emergency rainy day financial savings cushion.
Debt Repayment Calculator
Compare debt avalanche vs snowball methods to pay off loans faster.
Credit Card Repayment Calculator
Calculate monthly repayments to clear credit card debt and avoid high interest.
Personal Loan Repayment Calculator
Estimate monthly repayments, total interest, and comparison rates for unsecured loans.
Car Loan Repayment Calculator
Calculate weekly, fortnightly, or monthly car loan repayments and balloon payments.
Cost of Living Calculator
Estimate monthly living costs across capital cities Sydney, Melbourne, Brisbane, and Perth.
Household Budget Calculator
Plan total household income against rent, groceries, utilities, and discretionary spending.
Personal Budget Calculator
Build a personal 50/30/20 budget to balance needs, wants, and savings goals.
Family Budget Calculator
Track monthly family expenses, school fees, groceries, and debt payments.
Savings Goal Calculator
Calculate monthly savings required to reach a specific financial target date.
Mortgage & Property Tools
25 ToolsCalculate home loan repayments, borrowing power, stamp duty, offset savings, rental yield, and property tax.
Mortgage Comparison Calculator
Compare two home loans side-by-side on interest rate, fees, and total lifetime interest.
Property Cash Flow Calculator
Calculate net cash flow after rental income, mortgage repayments, and property expenses.
Land Tax Calculator
Estimate state land tax liabilities on investment properties across NSW, VIC, QLD, WA, and SA.
Council Rates Calculator
Estimate annual local council rates based on land valuation and rate-in-the-dollar.
Home Deposit Calculator
Calculate 5%, 10%, or 20% home deposit required plus stamp duty and upfront fees.
Mortgage Interest Calculator
Calculate total interest paid over the life of a home loan under interest rates.
Fixed vs Variable Rate Calculator
Compare fixed interest rate stability vs variable home loan rate flexibility.
Interest-Only Mortgage Calculator
Calculate interest-only home loan repayments during initial 1 to 5 year periods.
Principal & Interest Calculator
Calculate monthly principal and interest repayments to build home equity.
First Home Owner Grant (FHOG) Calculator
Check state FHOG grant eligibility amounts for new build homes and land.
Rental Yield Calculator
Calculate gross and net annual rental yield percentage on investment property.
Negative Gearing Calculator
Calculate tax benefits when rental expenses exceed gross rental income.
Property Investment Calculator
Project long-term rental income, capital growth, and investment property returns.
Property Growth Calculator
Estimate future property value based on historical annual capital growth rates.
Extra Repayment Calculator
Calculate time saved and interest reduced by making extra home loan repayments.
Mortgage Offset Calculator
Calculate home loan interest saved by maintaining cash balance in an offset account.
Mortgage Refinance Calculator
Calculate potential interest savings from refinancing to a lower home loan rate.
Home Equity Calculator
Calculate usable equity in your property to fund renovations or investment property.
First Home Buyer Calculator
Estimate maximum property purchase price, deposit required, and state stamp duty concessions.
Mortgage Affordability Calculator
Calculate home loan purchase budget based on household income and expenses.
Home Loan Calculator
Calculate monthly, fortnightly, or weekly home loan principal and interest repayments.
Lenders Mortgage Insurance (LMI) Calculator
Estimate LMI cost when borrowing over 80% Loan-to-Value Ratio (LVR).
Stamp Duty Calculator Australia
Calculate state transfer duty and transfer fees for property buyers in all Australian states.
Borrowing Power Calculator
Estimate maximum home loan borrowing capacity based on income, dependents, and debts.
Mortgage Repayment Calculator Australia
Calculate home loan repayments under current Australian bank interest rates.