Directory // 30 nodes

All calculators

30 calculators live in this build, grouped by what you are working out. Every result shows its working, assumptions, sources and limitations.

Pay & Tax

12 calculatorsCategory page ↗

Pay CalculatorAustralian pay calculator showing income tax, Medicare levy, study-loan repayments, employer super and PAYG withholding separately, each with its working.

Take-Home Pay CalculatorWork out your take-home pay per week, fortnight or month after income tax, Medicare and study-loan repayments, from ATO-sourced rates with the working shown.

Gross to Net CalculatorConvert a gross Australian salary into net pay at every pay frequency under the financial year you select, with each rate traced to its official source.

Net to Gross CalculatorFind the gross salary needed for a target take-home amount, solved against the full Australian tax rules and verified by re-running the forward calculation.

Salary Including Super CalculatorSplit a total remuneration package into base salary and employer super, applying the maximum contribution base, then see the tax and take-home pay that follow.

Hourly to Salary CalculatorConvert an hourly rate into annual salary and take-home pay from your hours per week and weeks paid per year, under current Australian tax rules. Working shown.

Salary to Hourly CalculatorSee the hourly rate an annual salary works out to for your working pattern, alongside income tax, super and take-home pay for the financial year you select.

PAYG Withholding CalculatorCalculate tax withheld each pay from the official ATO statement-of-formulas coefficients, including the study-loan component. Never annual tax split by periods.

HELP Repayment CalculatorEstimate your compulsory HECS or HELP repayment from repayment income under the marginal repayment system, with every threshold from official ATO rule packs.

Super Contributions CalculatorEmployer super on your salary, concessional cap headroom with salary sacrifice, the Division 293 threshold, and balance ranges across Australian age groups.

Inflation CalculatorSee what inflation has done to your salary since your last pay rise, from the official ABS consumer price index, and the salary that holds its buying power.

Income Tax CalculatorCalculate Australian income tax by year and residency, and slide a salary along the marginal-rate curve to see the tax at every step, from official rule packs.

Property & Mortgage

11 calculatorsCategory page ↗

Home Deposit CalculatorWork out the house deposit needed at your chosen loan-to-value ratio, plus the upfront costs you enter, with the savings gap and every step of the arithmetic.

LVR CalculatorCalculate your loan-to-value ratio from a property value and loan amount, alongside the standard LVR bands Australian lenders reference. Full working shown.

Affordability EstimateAn indicative borrowing range from your income, expenses and commitments under generic assumptions with an editable rate buffer. Not an offer or pre-approval.

Stamp Duty CalculatorEstimate general transfer duty on a property purchase from official state revenue-office rate tables. Unsupported states are clearly blocked, never guessed.

Property Buying Costs CalculatorUpfront costs of buying a house: transfer duty plus conveyancing, inspection, loan and registration fees for the total cash needed. Duty from official state tables.

Mortgage Repayment CalculatorCalculate home loan repayments weekly, fortnightly or monthly, with a full amortisation schedule, total interest, payoff date and every assumption on show.

Mortgage SimulatorRun a mortgage through dated rate changes, extra repayments, offset balances and fees on a scheduled ledger that reconciles on every single period.

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. Working shown.

Offset Account CalculatorModel an offset balance and regular deposits against your mortgage: interest saved, time saved and the cash that stays available, kept apart from principal.

Rate Change CalculatorSee how a rate rise or cut changes your mortgage repayment and total interest, under either a keep-repayment or recalculate-to-term policy. Working shown.

Refinance Break-Even CalculatorCompare your current home loan against a refinance offer on cumulative cash flows including switching costs, cashback timing and the residual balance.

Loans & Debt

3 calculatorsCategory page ↗

Loan CalculatorCalculate personal loan repayments, total interest and payoff date, with a full loan payment schedule, optional monthly fees and the working behind every figure.

Car Loan CalculatorCalculate car loan repayments with or without a balloon or residual payment. See total cost, total interest and the full schedule, period by period.

Credit Card Payoff CalculatorCompare how long a credit card takes to clear on minimum payments versus a fixed amount. Promotional-rate expiry is modelled and every cycle is shown.

Savings & Investing

2 calculatorsCategory page ↗

Compound Interest CalculatorSavings calculator: project how a balance grows with compound interest and regular deposits, with the year-by-year breakdown, exact formula and editable assumptions.

Savings Goal CalculatorWork out the deposit needed each month, quarter or year to reach a savings target by your chosen date, verified by re-running the forward calculation.

Business

2 calculatorsCategory page ↗

Contractor Day Rate CalculatorConvert a target income into a contractor day rate covering super replacement, leave, overheads and utilisation, with GST quoted separately and working shown.

GST CalculatorAdd GST to a price, remove GST from a total or split a GST-inclusive amount at the current Australian GST rate, with full working shown and sources cited.