Best Financial Calculators Australia 2025

Medicare Levy Surcharge Calculator

Estimate your Medicare Levy Surcharge (MLS) liability for the 2025-26 financial year.

HECS-HELP Repayment & Indexation Calculator

Estimate your mandatory student loan repayments and annual indexation for FY 2025-26.

Tax Refund Estimator 2025-26

Estimate your tax refund or debt for FY 2025-26 using Stage 3 tax rates, Medicare Levy, and HECS repayments.

Superannuation Growth Calculator

Estimate your super balance at retirement with the 11.5% Super Guarantee (SG).

Salary Packaging Calculator

Compare take-home pay with pre-tax packaging (Novated Lease, NFP benefits) versus regular pay using Stage 3 tax brackets.

Side Hustle Tax Estimator

Calculate tax on additional freelance, gig, or contract income based on your tax bracket and deductible expenses.

Savings Goal Calculator

Calculate how much you need to save weekly, monthly, or yearly to reach your financial target based on expected returns.

Low Income Tax Offset (LITO) Calculator

Calculate your LITO entitlement under ATO 2026 rules: max $700, phased reduction based on income.

Compound Interest Calculator

Calculate compound interest with regular contributions. See how your money grows exponentially over time.

Cost of Living Calculator

Compare cost of living between Australian cities. Calculate required salary to maintain your lifestyle when relocating from Sydney, Melbourne, Brisbane, Perth, or Adelaide.

Dividend Payout Ratio Calculator

Calculate dividend payout ratio (dividends / net income) to assess sustainability.

Emergency Fund Calculator

Calculate your recommended emergency savings target (3, 6, or 12 months of essential expenses) for financial security.

Financial Freedom (FIRE) Calculator

Calculate your FIRE number, monthly savings needed, and path to financial independence in Australia using the 4% rule.

Inflation Impact Calculator

Calculate how inflation erodes purchasing power over time for Australian savers and retirees.

Investment ROI Calculator

Compare investment returns across property, stocks, ETFs. Calculate total ROI and annualized ROI to measure performance.

Small Business Tax Offset Calculator

Calculate your Small Business Tax Offset (16% of business tax, capped at $1,000) for FY 2025-26.

Superannuation Guarantee (SG) Calculator

Calculate your employer's mandatory super contribution (12% for FY 2025-26) based on your gross salary.

Weekly to Monthly Salary Converter

Convert weekly, fortnightly, or annual salary to monthly equivalent for budgeting and job comparisons.

Mortgage Repayment Calculator

Estimate your weekly, fortnightly, or monthly mortgage repayments and see total interest over the life of your loan.

Stamp Duty Calculator

Calculate government stamp duty and transfer fees for property purchases across all Australian states.

Rental Yield Calculator

Calculate gross and net rental yields for your investment property in Australia.

Capital Gains Tax Calculator

Estimate your CGT liability for property sales in Australia.

Land Tax Calculator VIC

Calculate VIC land tax for general and trust land with 2026 rates

Negative Gearing Calculator

Calculate tax benefits from rental property negative gearing based on your tax bracket

NSW Stamp Duty Calculator

Calculate NSW stamp duty with first home buyer options for 2025-26

Lenders Mortgage Insurance (LMI) Calculator

Estimate LMI cost for deposits under 20% (LVR > 80%)

QLD Stamp Duty Calculator

Calculate QLD transfer duty for residential and investment properties

Bridging Loan Calculator: How Much Does It Cost to Buy Before You Sell?

Calculate peak debt, interest costs, and end debt for bridging loans when buying before selling your property

Commercial vs Residential Property: Which Yield is Better?

Calculate commercial rental yield with gross/net yields, vacancy allowance, and outgoings for business property investors.

How Much Does Conveyancing Really Cost in Australia?

Estimate conveyancing legal fees and disbursements for buying or selling property. Includes state-specific cost breakdowns and LMI implications.

Gross vs Net Rental Yield: Why 1% Makes a Huge Difference

Calculate gross and net rental yield with detailed expense breakdown for investment property cash flow analysis

First Home Owner Grant (FHOG) VIC: Eligibility Checklist

Check your eligibility for the $10,000 First Home Owner Grant in Victoria. Assess property price cap ($750k), new home requirement, and first buyer status.

Foreign Buyer Surcharge Australia: 2026 Buying Guide

Calculate foreign buyer surcharge and FIRB fees for international property investors in Australia. Understand non-resident stamp duty and compliance.

LVR Explained: How it Determines Your Home Loan Approval

Calculate Loan-to-Value Ratio (LVR), equity position, and understand LMI implications for Australian property purchases.

Hidden Costs of Selling Your House in Australia: A 2026 Guide

Calculate total selling costs including agent commission, legal fees, and marketing to determine your net proceeds from a property sale.

Fixed vs Variable: Is a Split Loan Right for You in 2026?

Calculate repayments for split loans combining fixed and variable rates. Compare mortgage strategies to manage interest rate risk.

SA Stamp Duty Calculator: 2026 Rates for Adelaide Buyers

Calculate South Australia stamp duty with tiered rates, transfer fees, and mortgage registration costs for property purchases

Maximize Your Tax Refund: Property Depreciation Guide 2026

Estimate Division 40 & 43 tax depreciation deductions for Australian investment properties. Understand Capital Works vs Plant & Equipment.

Western Australia Land Tax: 2026 Rates & Thresholds Explained

Calculate WA land tax based on unimproved land value with progressive thresholds for 2025-26. Includes PPOR exemption and residential vs commercial distinctions.

Accounts Receivable Turnover Calculator

Measure how efficiently your business collects receivables and assess cash flow health.

Business Valuation Calculator

Estimate your Australian business worth using EBITDA x industry multiplier method.

Working Capital Calculator

Calculate working capital (current assets - current liabilities) and the working capital ratio

Debt-to-Equity Ratio Calculator

Calculate D/E ratio to assess financial leverage and risk for your business.

Cash Flow Forecast Calculator

Create a 12-month cash flow projection to anticipate surpluses or shortfalls for your SME.

COGS Calculator

Calculate Cost of Goods Sold and Gross Profit Margin for your business

Business Loan Repayment Calculator

Calculate business loan repayments, total interest, and amortization schedule

Current & Quick Ratio Calculator

Calculate current ratio and quick ratio (acid-test) to assess business liquidity and financial health

The True Cost of Hiring: Employee Onboarding Cost Estimator 2026

Calculate total employee onboarding costs including recruitment, training, equipment, and admin

Unlock Your Cash Flow: Invoice Financing Calculator 2026

Calculate invoice factoring vs discounting costs. Understand advance rates, factor fees, and net proceeds to manage cash flow.

Net vs Gross Profit Margin

Compare gross margin and net margin percentages to understand profitability at different levels.

Business Loan Repayment

Calculate commercial loan repayments with optional establishment fees and balloon payments.

Employee Onboarding Cost

Calculate total cost of hiring: recruitment, training, equipment, and lost productivity during ramp-up.

Markup vs Margin Converter

Convert between profit margin percentages and markup percentages to set prices correctly.

Reverse GST Calculator

Extract the original price and GST amount from a GST-inclusive total (used by gig workers, Uber drivers).

Shopify Profit Calculator

Calculate e-commerce profit after COGS, shipping, fees, and marketing spend.

Inventory Shrinkage Calculator

Calculate inventory loss percentage: (Recorded - Physical) / Recorded.

Business Break-even (Units & Revenue)

Calculate units and revenue needed to cover total fixed and variable costs.

Fuel Tax Credit Calculator

Calculate credits for fuel used in heavy vehicles/machinery based on ATO rates effective July 2025.

Fringe Benefits Tax (FBT) Calculator

Estimate FBT liability based on benefit type (Car, Expense, Housing) and the 47% FBT rate.

Payroll Tax Calculator

Calculate payroll tax obligations by state with specific thresholds and rates for NSW, VIC, QLD.

ATO Asset Depreciation Calculator

Calculate depreciation using Prime Cost (straight line) or Diminishing Value methods per ATO effective life.

Break-Even Point Calculator

Calculate the number of units or sales needed to cover total business costs.

Company Tax Calculator

Estimate corporate tax liability for small and large businesses in Australia.

Customer Acquisition Cost (CAC) Calculator

Determine how much you spend to acquire each new customer across marketing channels.

Discount & Markup Calculator

Calculate markup percentages, discount prices, and profit margins for retail and e-commerce pricing strategies.

E-commerce Profit Margin Calculator

Calculate profit margin percentage for products, factoring in all costs including shipping, fees, and overheads.

Global Sales Tax (VAT/GST) Calculator

Calculate prices with VAT, GST, or any sales tax rate for international e-commerce.

GST Calculator

Calculate GST (10%) for Australian businesses with inclusive and exclusive options.

Inventory Turnover Ratio Calculator

Measure how efficiently inventory is managed and sold over a period (e.g., monthly, annually).

Discount & Coupon Impact Calculator

Calculate profit impact of discounts and required sales increase to maintain total profit.

A/B Testing Significance Calculator

Determine if your A/B test results are statistically significant with confidence levels.

Ad Bid Calculator

Calculate optimal max CPC bid based on target CPA and conversion rate for Google Ads.

Customer Lifetime Value (LTV) Calculator

Calculate LTV using AOV, purchase frequency, and lifespan; compare against CAC for e-commerce.

Video Completion Rate Calculator

Analyze video ad retention metrics including completion rate and drop-off points for TikTok, Meta, and YouTube.

Affiliate Commission Calculator

Calculate affiliate commission costs, net profit after commission, and ROAS on partner spend for e-commerce.

Landing Page ROI Estimator

Estimate landing page ROI by modeling conversions, revenue, and costs including per-visitor expenses.

CPC to CPM Converter

Convert CPC to equivalent CPM based on CTR, estimate reach costs, and assess auction efficiency for Meta/Google ads.

Landing Page Conversion Calculator

Calculate conversion rate, cost per conversion, revenue, and ROAS for landing pages.

ROAS Calculator

Return on Ad Spend calculator for campaigns

CPC / CPM / CTR Suite

Calculate key advertising metrics: Cost Per Click, Cost Per Mille, and Click-Through Rate.

Customer Lifetime Value (LTV) Calculator

Estimate the total revenue a customer will generate over their relationship with your business.

Conversion Rate Calculator

Calculate the percentage of visitors who complete a desired action on your website or campaign.

Ad Spend Predictor

Calculate required advertising budget to achieve a target revenue based on expected ROAS.

Break-even ROAS Calculator

Calculate gross profit margin and break-even ROAS for advertising profitability.

Marketing Budget Planner AU

Reverse-engineer revenue goals into monthly ad budget, clicks, and CPA targets for Meta and TikTok.

Amazon FBA Profit Calculator AU

Calculate Amazon FBA profitability including referral fees, fulfillment, storage, and PPC costs for AU marketplace.

TikTok Ads ROI Predictor

Predict TikTok ad performance: impressions, clicks, conversions, revenue, ROAS, and ROI based on creative metrics.

Facebook Ads CPM Calculator

Calculate CPM, CPC, and CTR for Meta ad campaigns to benchmark performance against AU market averages.

Customer Churn Rate Calculator

Calculate the percentage of customers lost over a period to measure retention health.

Email Marketing ROI Calculator

Calculate return on investment for email campaigns: (Gain - Cost) / Cost.