Australian Financial & Tax Calculation Suite
Precision computational utilities engineered specifically for Australian taxpayers, homebuyers, property investors, and superannuation planners. Every formula executes 100% inside your browser's RAM.
🦘 Australian Computational Engines
25 STATUTORY ENGINESPaycheck & Income Tax Calculator (PAYG)
Compute exact take-home pay under revised Stage 3 tax cuts. Features 2% Medicare levy, LITO, HECS/HELP repayment brackets, and 11.5%–12% Superannuation Guarantee.
Australian Mortgage & Offset Calculator
Model Principal & Interest vs Interest-Only repayments. Simulates 100% offset interest savings, accelerated fortnightly payments, and Lenders Mortgage Insurance (LMI).
Superannuation & Retirement Calculator
Compound retirement nest egg projector incorporating the 11.5% to 12% Super Guarantee (SG), $30,000 concessional cap salary sacrifice, and Division 293 high-earner surtax.
Australian Stamp Duty Calculator
Calculate property transfer duty across NSW, VIC, QLD, WA, SA, TAS, ACT, and NT. Includes First Home Buyer Assistance Scheme (FHBAS) concessions and foreign buyer surcharges.
Negative Gearing & Cash Flow Calculator
Simulate investment property cash flow. Factors gross/net rental yields, deductible mortgage interest, strata/rates, property management, and Div 40/43 building depreciation.
Capital Gains Tax Calculator (50% Discount)
Australian CGT engine evaluating real estate, ASX shares, and crypto gains. Applies the statutory 50% general discount for assets held over 12 months by individuals.
HECS-HELP Debt & Repayment Calculator
Simulate student loan compulsory repayments based on income tiers (from 1% to 10%). Models annual June 1 indexation relief (lower of CPI and WPI) and payoff timelines.
Novated Lease & EV FBT Calculator
Model salary packaged vehicle financing. Analyzes zero FBT savings on eligible electric cars under the $91,387 LCT threshold, GST-free purchase savings, and running cost bundling.
Australian GST Calculator (Add & Extract)
Two-way 10% Goods and Services Tax calculator. Instantly add 10% to net amounts or extract 1/11th from gross invoice totals for BAS returns.
First Home Guarantee (FHG 5% Deposit)
Evaluates Housing Australia eligibility to purchase with as little as a 5% deposit without paying Lenders Mortgage Insurance (LMI). Checks capital city price caps.
Borrowing Power & APRA Serviceability
Simulate maximum mortgage borrowing capacity based on the APRA 3.00% serviceability buffer, HEM household living cost benchmarks, and DTI caps.
Australia Rent vs. Buy Calculator
30-year net wealth trajectory engine comparing Australian homeownership against renting and disciplined ASX 200 / Vanguard global ETF investing.
Salary Sacrifice to Super Calculator
Evaluate annual tax savings by salary sacrificing into super. Models the 15% concessional contributions tax vs your top marginal rate up to the $30k cap.
Sole Trader & ABN Tax Calculator
Australian sole trader income tax and quarterly PAYG installment estimator. Factors business deductions, 2% Medicare levy, and company structure comparison.
Dividend Franking Credits Calculator
ASX dividend imputation engine. Calculates 30% corporate tax gross-up, franking credits, and cash tax refunds for investors in lower tax brackets.
Australian FIRE & Super Bridge Calculator
Financial Independence Retire Early engine designed for Australia. Solves the two-phase drawdown: non-super ETFs to preservation age 60, then tax-free super income.
Centrelink Age Pension & Deeming Calculator
Services Australia senior entitlement engine. Solves the dual Assets Test and Income Test, deeming rates on financial assets, and taper rates for singles and couples.
Term Deposit & High-Interest Savings (HISA)
Compare Big 4 bank term deposits against neo-bank bonus HISAs. Incorporates monthly deposit criteria, compounding intervals, and marginal income tax drag.
Statutory Redundancy Pay Calculator
Evaluates Fair Work National Employment Standards (NES) severance pay. Calculates statutory weeks of pay based on service length and ATO genuine redundancy tax-free caps.
Australian Car Loan & Balloon Calculator
Secured automotive financing calculator. Evaluates dealer documentation fees, 10%–50% balloon residual values, interest costs, and 5-year total cost of ownership.
Personal Loan & Debt Consolidation
Model unsecured personal loan repayments and debt consolidation. Calculates true Comparison Rates (accounting for upfront and monthly fees) and interest savings.
Credit Card Payoff & Interest Trap
Simulate escaping the credit card debt cycle. Compares statutory 2% vs $20 minimum payments against accelerated fixed payments to eliminate 20%+ interest rates.
Emergency Fund & Runway Planner
Custom Australian emergency safety net planner. Solves 3, 6, or 12-month essential living cost reserves, survival burn rates, and compound HISA interest buffers.
Australian Cost of Living & City Parity
Compare living costs across Sydney, Melbourne, Brisbane, Perth, and Adelaide. Solves salary equivalency factoring housing rents, transit, and state utility costs.
Account-Based Pension Drawdown
Post-preservation age (60+) retirement income calculator. Calculates statutory minimum drawdowns (4% under 65 up to 14% at 95+) and investment fund longevity.
🛡️ Australian Statutory Framework & Regulatory Standards
All computational algorithms conform directly to statutory benchmarks published by the Australian Taxation Office (ATO), Australian Prudential Regulation Authority (APRA), Australian Securities and Investments Commission (ASIC / Moneysmart), and respective State Revenue Offices.