Directory // 29 nodes
All calculators
29 calculators live in this build, grouped by what you are working out. Every result shows its working, assumptions, sources and limitations.
Pay & Tax
11 calculatorsCategory page ↗AU-PAY-001
Pay CalculatorAustralian pay calculator showing annual tax, Medicare, study-loan repayments, employer super and PAYG withholding separately, with full working.
AU-PAY-002
Take-Home Pay CalculatorWork out your take-home pay per week, fortnight or month after tax, Medicare and study-loan repayments, with every step of the working shown.
AU-PAY-003
Gross to Net CalculatorConvert a gross Australian salary to net pay at every pay frequency under the selected financial year's tax rules, with sources cited.
AU-PAY-004
Net to Gross CalculatorSolve the gross salary needed for a target take-home amount using a verified reverse calculation over the full Australian tax rules.
AU-PAY-005
Salary Including Super CalculatorSplit a total remuneration package into base salary and employer super, including the maximum contribution base, then estimate tax and take-home pay.
AU-PAY-006
Hourly to Salary CalculatorConvert an hourly rate into annual salary and take-home pay using your hours per week and weeks paid per year, under current Australian tax rules.
AU-PAY-007
Salary to Hourly CalculatorSee the hourly rate implied by an annual salary for your working pattern, alongside tax, super and take-home pay under the selected financial year.
AU-PAY-011
PAYG Withholding CalculatorCalculate PAYG withholding per pay from the official ATO statement-of-formulas coefficients, including the study-loan component, never annual tax divided by periods.
AU-PAY-013
HELP Repayment CalculatorEstimate your compulsory HELP or study-loan repayment from repayment income under the marginal repayment system, with thresholds from official sources.
AU-PAY-015
Inflation CalculatorSee what inflation has done to your salary since your last pay rise, using the official ABS consumer price index, and the salary needed to keep its purchasing power.
AU-PAY-014
Income Tax CalculatorExplore Australian income tax brackets by year and residency, slide a salary along the marginal-rate curve and see the tax at every step, from official rule packs.
Property & Mortgage
11 calculatorsCategory page ↗AU-HOME-019
Home Deposit CalculatorWork out the deposit needed for a property price at your chosen loan-to-value ratio, alongside the upfront costs you enter.
AU-HOME-020
LVR CalculatorCalculate your loan-to-value ratio from a property value and loan amount, with the standard LVR bands lenders commonly reference.
AU-HOME-022
Affordability EstimateAn indicative borrowing range from your income, expenses and commitments under generic assumptions with an editable rate buffer. Not pre-approval.
AU-HOME-017
Stamp Duty CalculatorEstimate general transfer duty by state from official revenue-office rate tables, with unsupported states clearly blocked rather than guessed.
AU-HOME-018
Property Buying Costs CalculatorAdd general transfer duty to your conveyancing, inspection and other upfront costs for a complete picture of the cash needed to buy.
AU-HOME-001
Mortgage Repayment CalculatorEstimate mortgage repayments with a full amortisation schedule, interest totals, payoff date and every assumption shown, at weekly, fortnightly or monthly frequency.
AU-HOME-002
Mortgage SimulatorSimulate a mortgage through dated rate changes, extra repayments, offset balances and fees on a scheduled ledger, with reconciliation on every period.
AU-HOME-004
Extra Repayments CalculatorSee the interest and years saved by regular or one-off extra mortgage repayments, computed on a dated schedule rather than a shortcut formula.
AU-HOME-006
Offset Account CalculatorModel an offset balance and regular deposits against your mortgage: interest saved, time saved and the cash that stays available, kept distinct from principal.
AU-HOME-007
Rate Change CalculatorSee how a rate rise or cut changes your mortgage repayment and lifetime interest, under keep-repayment or recalculate-to-term policies.
AU-HOME-012
Refinance Break-Even CalculatorCompare your current loan with a refinance offer on cumulative cash flows including switching costs, cashback timing and residual balances, never repayments alone.
Loans & Debt
3 calculatorsCategory page ↗AU-DEBT-001
Loan CalculatorEstimate loan repayments, total interest and payoff date for personal loans with a full amortisation schedule and optional monthly fees.
AU-DEBT-003
Car Loan CalculatorEstimate car loan repayments including balloon or residual payments, with total cost, interest and the schedule shown in full.
AU-DEBT-012
Credit Card Payoff CalculatorSee how long a credit card takes to pay off on minimum payments versus a fixed amount, cycle by cycle, with promotional-rate expiry modelled.
Savings & Investing
2 calculatorsCategory page ↗GL-SAVE-002
Compound Interest CalculatorSee how savings grow with compound interest and regular deposits, with a year-by-year breakdown, exact formulas and every assumption editable.
GL-SAVE-003
Savings Goal CalculatorWork out the regular deposit needed to reach a savings target by a chosen date, verified by re-running the forward calculation.
Business
2 calculatorsCategory page ↗AU-BIZ-006
Contractor Day Rate CalculatorConvert a target income into a contractor day rate covering super replacement, leave, overheads and utilisation, with GST quoted separately.
AU-BIZ-001
GST CalculatorAdd GST, remove GST or split a GST-inclusive amount using the current Australian GST rate, with full working shown and sources cited.