All calculators
All 55 tools, grouped by what they are for. Each one is built for a real calculation, with live results, a worked example and the formula it used.
Every calculator here follows the same rule: it shows its working. That means the formula it applied, the variables in it, the assumptions it made, a worked example with real numbers, and — where the figure is set by government — the authority it came from and the date we last checked it.
That matters most for the Australian-specific tools. Income tax, the Medicare levy, study loan repayments, GST and the superannuation guarantee all depend on thresholds that change between financial years, so a result is only as good as the data behind it. If you want the reasoning rather than just the number, the 21 guides explain the mechanics, and the collections put several tools together in the order a real decision needs them.
Money
Salary, tax, GST, superannuation, percentages, savings, interest and loans — Australian-first, with official rates where the numbers are regulated.
- Australian salary / take-home pay calculatorEstimate weekly, fortnightly, monthly and annual take-home pay from an Australian resident salary, using ATO PAYG withholding for each pay and year-end tax for the annual figure.
- Australian income tax calculatorEstimate income tax, LITO, Medicare and optional HELP from taxable income for 2026–27, including foreign resident rates.
- PAYG withholding estimatorEstimate Scale 1 or Scale 2 PAYG withheld from a resident salary in 2026–27, depending on whether the tax-free threshold is claimed.
- HELP HECS repayment calculatorEstimate the compulsory HELP/HECS repayment using the 2026–27 marginal study-and-training loan rates.
- GST calculatorAdd 10% GST, remove GST from an inclusive price, or see the GST component using the Australian 1/11 rule.
- Superannuation calculatorCalculate the 12% Superannuation Guarantee on an Australian salary, including the maximum contribution base and salary-plus-super packages.
- Salary package calculatorSplit a job ad into base salary, 12% employer super and optional extra benefits, whether the figure includes super or not.
- Hourly and annual salary converterConvert hourly, weekly, fortnightly, monthly and annual pay, and pro-rate a part-time salary from a 38-hour week.
- Pay rise calculatorSee what a percentage or dollar pay rise does to weekly, monthly and annual pay.
- Medicare levy calculatorEstimate the 2% Medicare levy with the 2026–27 single or family low-income reduction and per-child increments.
- Medicare levy surcharge calculatorEstimate the Medicare levy surcharge from 2026–27 income tiers and whether you have appropriate private hospital cover.
- Tax rate comparisonCompare tax, Medicare and take-home on two resident salaries for 2026–27.
- Australian financial year calculatorSee which financial year a date falls in, and how many days remain in the current year.
- Percentage calculatorFind a percentage of a number, reverse a percentage, or calculate percentage increase, decrease and difference.
- Discount calculatorWork out the dollar saving and sale price from a percentage off.
- Profit margin and markup calculatorSee why a 25% markup is a 20% margin, and price from either figure.
- Break-even calculatorFind how many units you need to sell to cover fixed costs.
- Compound interest calculatorProject a lump sum — with optional regular deposits — as interest compounds.
- Simple interest calculatorCalculate interest as principal × rate × time, without compounding.
- Savings goal calculatorWork out the monthly deposit needed to reach a target, or how long a deposit will take.
- Loan repayment calculatorEstimate repayments and total interest for a personal, car or other amortising loan.
- Credit card repayment calculatorEstimate how long a card balance takes to clear at a fixed monthly payment, and the interest you would pay.
- Borrowing comparison calculatorCompare two amortising loans on monthly repayment, total interest and total cost.
Home
Mortgage repayments, rent conversions, property costs, electricity and household bills, using annualised figures instead of rough weekly × 4 shortcuts.
- Mortgage repayment calculatorEstimate loan repayments, total interest and the principal/interest split for an Australian home loan.
- Mortgage extra repayment calculatorSee how extra monthly repayments cut home-loan interest and years remaining.
- Mortgage offset calculatorEstimate interest saved when a transaction-account balance offsets a home loan.
- Borrowing comparison calculatorCompare two amortising loans on monthly repayment, total interest and total cost.
- Home deposit calculatorTurn a purchase price and deposit percent into the cash needed, loan size and LVR.
- Stamp duty calculatorEstimate transfer (stamp) duty on a property purchase in New South Wales, Victoria or Queensland, from the revenue office's published rates.
- Loan-to-value ratio calculatorCalculate LVR and equity from a loan amount and property value.
- Property deposit goal calculatorSee the monthly savings needed to reach a home deposit target from a price and deposit percent.
- Weekly ↔ monthly rent calculatorConvert Australian rent between weekly, fortnightly, monthly and annual amounts using a 52-week year — not weekly × 4.
- Rent affordability calculatorSee what share of income a rent takes, using 52 weeks and 12 months — not weekly × 4.
- Rent increase calculatorSee the new rent and the extra annual cost after a percentage increase.
- Electricity cost calculatorEstimate what an appliance costs to run from its wattage, how often you use it, and your electricity rate in c/kWh.
Work
Leave hours, overtime, timesheets, shift length and pay conversions. Business-day counts use Australian public holidays by state.
- Australian salary / take-home pay calculatorEstimate weekly, fortnightly, monthly and annual take-home pay from an Australian resident salary, using ATO PAYG withholding for each pay and year-end tax for the annual figure.
- Superannuation calculatorCalculate the 12% Superannuation Guarantee on an Australian salary, including the maximum contribution base and salary-plus-super packages.
- Salary package calculatorSplit a job ad into base salary, 12% employer super and optional extra benefits, whether the figure includes super or not.
- Hourly and annual salary converterConvert hourly, weekly, fortnightly, monthly and annual pay, and pro-rate a part-time salary from a 38-hour week.
- Pay rise calculatorSee what a percentage or dollar pay rise does to weekly, monthly and annual pay.
- Business days calculatorCount Australian business days between two dates, or add and subtract working days, with national and state public holidays.
- Workdays per year calculatorCount weekdays minus public holidays in a calendar year for an Australian state or territory.
- Australian public holiday calendarList public holidays for a year in a chosen state or territory, including many observed-Monday rules.
- Annual leave hours and days converterConvert leave hours to days and back using a 7.6-hour day (38-hour week) unless you set another day length.
- Overtime pay calculatorEstimate ordinary pay plus overtime at a multiplier such as time-and-a-half.
- Timesheet pay calculatorTurn a block of hours into pay, with overtime after a daily or weekly threshold you choose.
- Shift length calculatorWork out paid hours from start time, finish time and an unpaid break, including overnight shifts.
Dates & time
Date differences, business days, age-style calendar spans and working-day arithmetic, including Australian public holiday data by jurisdiction.
- Australian financial year calculatorSee which financial year a date falls in, and how many days remain in the current year.
- Business days calculatorCount Australian business days between two dates, or add and subtract working days, with national and state public holidays.
- Workdays per year calculatorCount weekdays minus public holidays in a calendar year for an Australian state or territory.
- Australian public holiday calendarList public holidays for a year in a chosen state or territory, including many observed-Monday rules.
- Days between datesCount the days, weeks, weekdays and weekends between two dates, plus an age-style years/months/days span.
- Add or subtract daysAdd or subtract a number of calendar days from a date, including month and year boundaries.
- Age calculatorCalculate age in years, months and days, and days until the next birthday.
- Countdown calculatorCount whole days until a date, or how many days ago a date was.
- Week number and day of weekSee the ISO week number, ISO week-year and weekday name for a date.
Travel
Fuel, distance, trip cost and travel time. Start with a fuel cost calculator using litres per 100 km — the consumption figure on Australian windscreens.
- Fuel cost calculatorEstimate litres used and trip cost from distance, L/100 km consumption and the price at the pump, including an optional return trip.
- Fuel economy converterConvert L/100 km to km/L and back — the two ways of writing the same consumption.
- Travel time calculatorEstimate driving time from distance and average speed. This is not live traffic.
- Length converterConvert millimetres, centimetres, metres, kilometres, inches, feet, yards and miles.
Everyday
A scientific calculator plus percentages, ratios and unit conversions for the calculations people actually do between larger financial decisions.
- Percentage calculatorFind a percentage of a number, reverse a percentage, or calculate percentage increase, decrease and difference.
- Discount calculatorWork out the dollar saving and sale price from a percentage off.
- Length converterConvert millimetres, centimetres, metres, kilometres, inches, feet, yards and miles.
- Weight converterConvert milligrams, grams, kilograms, tonnes, ounces, pounds and stone.
- Volume converterConvert millilitres, litres, Australian metric cups and spoons, and US or imperial fluid ounces and gallons.
- Temperature converterConvert Celsius, Fahrenheit and Kelvin. Weather and cooking in Australia use Celsius.
- Area converterConvert mm², cm², m², hectares, km², square feet, square yards and acres.
- Scientific calculatorEvaluate expressions with sin, cos, tan, logs, powers, roots, π, e and factorials. Switch between degrees and radians.
A note on accuracy
Results are estimates produced from the inputs you type. They cannot know about your deductions, your award, your lender’s fees or your energy tariff, so each page is explicit about what it leaves out. See the disclaimer for the full statement and the editorial policy for how these pages are researched and corrected.