Free Australian Tax Calculators 2025-26 — ATO-Compliant Tools
Tax time in Australia doesn't have to be stressful. Our 18 free tax and personal finance calculators are updated for FY 2025-26 using the latest ATO rates and thresholds. Whether you want to estimate your tax refund before you lodge, check if you'll be hit with the Medicare Levy Surcharge, or understand your HECS-HELP repayment schedule, these tools give you instant, accurate estimates at no cost. No accountant required for a quick sanity check.
Showing 18 of 18 tools
Browse all categories →Medicare Levy Surcharge Calculator
Estimate your Medicare Levy Surcharge (MLS) liability for the 2025-26 financial year.
Open Calculator →HECS-HELP Repayment & Indexation Calculator
Estimate your mandatory student loan repayments and annual indexation for FY 2025-26.
Open Calculator →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.
Open Calculator →Superannuation Growth Calculator
Estimate your super balance at retirement with the 11.5% Super Guarantee (SG).
Open Calculator →Salary Packaging Calculator
Compare take-home pay with pre-tax packaging (Novated Lease, NFP benefits) versus regular pay using Stage 3 tax brackets.
Open Calculator →Side Hustle Tax Estimator
Calculate tax on additional freelance, gig, or contract income based on your tax bracket and deductible expenses.
Open Calculator →Savings Goal Calculator
Calculate how much you need to save weekly, monthly, or yearly to reach your financial target based on expected returns.
Open Calculator →Low Income Tax Offset (LITO) Calculator
Calculate your LITO entitlement under ATO 2026 rules: max $700, phased reduction based on income.
Open Calculator →Compound Interest Calculator
Calculate compound interest with regular contributions. See how your money grows exponentially over time.
Open Calculator →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.
Open Calculator →Dividend Payout Ratio Calculator
Calculate dividend payout ratio (dividends / net income) to assess sustainability.
Open Calculator →Emergency Fund Calculator
Calculate your recommended emergency savings target (3, 6, or 12 months of essential expenses) for financial security.
Open Calculator →Financial Freedom (FIRE) Calculator
Calculate your FIRE number, monthly savings needed, and path to financial independence in Australia using the 4% rule.
Open Calculator →Inflation Impact Calculator
Calculate how inflation erodes purchasing power over time for Australian savers and retirees.
Open Calculator →Investment ROI Calculator
Compare investment returns across property, stocks, ETFs. Calculate total ROI and annualized ROI to measure performance.
Open Calculator →Small Business Tax Offset Calculator
Calculate your Small Business Tax Offset (16% of business tax, capped at $1,000) for FY 2025-26.
Open Calculator →Superannuation Guarantee (SG) Calculator
Calculate your employer's mandatory super contribution (12% for FY 2025-26) based on your gross salary.
Open Calculator →Weekly to Monthly Salary Converter
Convert weekly, fortnightly, or annual salary to monthly equivalent for budgeting and job comparisons.
Open Calculator →How Australian Businesses Use These Calculators
Planning Your Tax Return?
Understanding Super & HECS?
How Australians Use These Tax & Finance Calculators
Tax planning in Australia is more complex than most people realise. Between marginal tax rates, the Medicare Levy, the Medicare Levy Surcharge, Low Income Tax Offset, HECS-HELP repayments, and superannuation — your take-home pay depends on far more than just your salary.
The Tax Refund Estimator is the most-used tool on BizMetrixs. Australians lodge over 14 million tax returns each year, and most people have no idea whether they'll get a refund or owe money until they actually lodge. Our estimator uses FY 2025-26 Stage 3 tax rates, Medicare Levy thresholds, and optional HECS-HELP repayment calculations to give you a realistic estimate before July 31.
The Medicare Levy Surcharge Calculator is especially important for higher-income earners. If your taxable income exceeds $93,000 (singles) or $186,000 (families) and you don't hold eligible private hospital cover, you'll pay an extra 1-1.5% MLS on top of the standard 2% Medicare Levy. Many Australians unknowingly pay this surcharge when a hospital cover policy would cost less.
For employees and contractors with HECS-HELP debt, the HECS Repayment Calculator shows your mandatory repayment amount at your income level — critical for people approaching repayment thresholds for the first time. The 2023 indexation changes made understanding your real debt trajectory more important than ever.
Salary packaging is another often-misunderstood area. The Salary Packaging Calculator compares take-home pay with and without pre-tax packaging arrangements — particularly valuable for NFP employees and those with novated lease options.
Frequently Asked Questions
How do I estimate my tax refund for FY 2025-26?+
Enter your total taxable income, PAYG tax withheld by your employer, Medicare Levy status, any HECS-HELP debt, and eligible deductions into our Tax Refund Estimator. The tool applies the FY 2025-26 Stage 3 tax rates and calculates whether you'll receive a refund or owe a tax debt. Note: this is an estimate — your actual refund depends on your specific deductions and the ATO's assessment.
Who has to pay the Medicare Levy Surcharge in 2025-26?+
Australians with a taxable income above $93,000 (singles) or $186,000 (families) who do not hold eligible private hospital cover must pay the MLS at 1% to 1.5% of their income. The MLS is separate from the standard 2% Medicare Levy that most working Australians pay. Use our Medicare Levy Surcharge Calculator to check your liability.
How much will I repay on my HECS-HELP debt in 2025-26?+
HECS-HELP repayments are mandatory once your income exceeds $54,435 in FY 2025-26. Repayment rates start at 1% and rise to 10% for incomes above $141,848. The repayment is automatically withheld from your salary or calculated in your tax return. Our HECS-HELP Repayment Calculator shows your exact repayment amount and how many years until your debt is cleared.
What is the superannuation guarantee rate in 2025-26?+
The Super Guarantee (SG) rate is 11.5% in FY 2025-26, rising to 12% on 1 July 2025. This means your employer must contribute 11.5% of your ordinary time earnings to your superannuation fund. Our Super Guarantee Calculator works out the exact dollar amount based on your salary.
Are these tax calculators ATO-compliant?+
Yes. All finance and tax calculators on BizMetrixs use the latest ATO-published rates, thresholds, and tax tables — currently reflecting FY 2025-26 figures effective from 1 July 2025. However, these tools provide estimates only and should not be used as a substitute for professional tax advice from a registered tax agent.