Money calculators
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.
Most money questions are one of two kinds: what is this actually worth after tax, and what will this cost me over time. The first is a set of thresholds published by the ATO; the second is compounding. Neither is complicated, but both are easy to get slightly wrong in ways that matter.
The tools here use the rates for the current income year and show the formula they applied, so you can check a result rather than trust it. Where a figure is set by government — tax brackets, the Medicare levy, study loan thresholds, the superannuation guarantee — it comes from the ATO and the page names the source and the date it was reviewed.
Which tool do you need?
- Starting from an advertised salary and want the amount that lands in your account: use the salary calculator.
- Comparing two job offers that quote their number differently: use the salary package calculator, then the super calculator.
- Working out tax on an amount that is not a simple salary: use the income tax calculator, and the PAYG calculator for what an employer would withhold from a single pay.
- Pricing something with or without GST: use the GST calculator, remembering that removing GST is one eleventh, not ten per cent.
- Deciding between saving and paying down debt: compare the compound interest calculator against the loan and offset calculators.
Common questions
Are the tax rates on this site current?
They are the published rates for the 2026–27 income year, stored in a dataset that records the ATO source and the date it was last reviewed. Each calculator shows that review date, and where two income years are available you can switch between them.
Why does the annual figure not match twenty-six fortnights exactly?
PAYG withholding rounds each individual pay, and it assumes every pay is representative of the whole year. Year-end income tax is calculated once on your total. The two methods legitimately differ by a few dollars, which is part of why a tax return produces a refund or a bill.
Do these tools account for salary sacrifice, deductions or other income?
No. They apply published rates to the figures you enter. Deductions, offsets other than LITO, investment income, salary sacrifice and private health cover all change a real assessment, and each page lists what it assumes so you can see the gap.
Where do I start if I have a new job offer?
Strip any “package” figure back to a base salary first, then run take-home pay, then add a HELP repayment if you have one. The comparing-job-offers collection walks through that order.
Before you rely on a result
Every calculator on this page shows the formula it used, the assumptions it made and the source of any regulated figure. Results are estimates and not professional advice — the disclaimer explains the limits, and the guides explain the reasoning in more depth.