Smart Money Starts with Smart Calculations

🏠

Mortgage Calculator

Calculate your home loan repayments with offset account modeling. See how extra deposits reduce interest.

Australian Rates

💰

Budget Calculator

Apply the 50/30/20 rule to your income. See exactly how much to allocate to needs, wants and savings.

Live

🧾

Income Tax Calculator

Calculate your take-home pay with 2025–26 ATO tax brackets, Medicare Levy, LITO and HECS/HELP repayments.

Australian Rates

🏡

House Buying Cost Calculator

Calculate stamp duty, LMI, conveyancing and all upfront costs for every Australian state and territory.

Australian Rates

🏦

Personal Loan Calculator

Calculate repayments, total interest and comparison rate for any personal or auto loan. Includes full amortisation schedule.

Australian Rates

💳

Credit Card Payoff Calculator

See exactly when you'll be debt-free, how much interest you'll pay, and how much faster extra payments get you there.

Live

❄️

Debt Snowball / Avalanche Calculator

Compare snowball vs avalanche strategies across all your debts. See your debt-free date, total interest, and which strategy saves you more money.

Live

📈

Compound Interest Calculator

See how your savings and investments grow with the power of compounding. Add regular contributions and compare growth scenarios.

Live

🎯

Retirement Calculator

Project your superannuation balance and estimate your monthly retirement income. Includes employer SG contributions and inflation adjustment.

Australian Super

🪣

Savings Goal Calculator

Work out how long it'll take to reach your savings target — or how much you need to save each month to get there on time.

Live

How a Mortgage Calculator Works

Enter your loan amount, interest rate and term to see your monthly repayment. Add an offset account to watch interest savings compound over decades.

Australian Income Tax in 2025–26

The Stage 3 tax cuts reduced the 19% bracket to 16% and extended the 30% bracket to $135,000. See exactly what you keep from every dollar you earn.

The 50/30/20 Budget Rule

Allocate 50% of take-home pay to needs, 30% to wants and 20% to savings. A simple framework popularised by Elizabeth Warren — instant results, no spreadsheet required.

True Cost of Buying a Home in Australia

The purchase price is just the start. Stamp duty, LMI, conveyancing, and inspections add 3–7% on top. Calculate your total cash required before you bid.

Smart Debt Repayment Strategies

Choosing a shorter loan term or making extra repayments can save thousands. Use the loan calculator to compare total interest across different scenarios.

Offset Accounts vs Extra Repayments

Both reduce your mortgage interest — but an offset account keeps your money accessible. See the difference with a side-by-side comparison in our mortgage calculator.