Australian tax & finance calculators
Independent calculators for Australian tax, property and super decisions. Every calculator publishes its formula, its FY2026-27 rate tables and the government sources they come from — check the working, don't just trust a number.
Tax
- Tax Calculator Income tax, Medicare levy and take-home pay for FY2026-27, including the 1 July tax cut.
- Negative Gearing Calculator Net rental loss or gain, the real tax saving at your marginal rate, and the true after-tax holding cost.
- Capital Gains Tax Calculator Capital gain, losses applied before the 50% discount, and CGT payable at your marginal rate.
- HECS Repayment Calculator Compulsory HECS/HELP repayment under the new marginal system, and a rough years-to-clear estimate.
- Salary Sacrifice Calculator Net benefit of salary sacrificing into super: tax saved minus the extra contributions tax it costs.
Property
- Stamp Duty Calculator NSW NSW transfer duty payable, effective rate, and the First Home Buyers Assistance Scheme exemption.
- Stamp Duty Calculator QLD QLD transfer duty across the standard rate, home concession and first home concessions.
- Stamp Duty Calculator VIC VIC land transfer duty across the general rate, PPR concession and first home buyer concession.
- Land Tax Calculator Annual land tax for NSW, Victoria or Queensland side by side, from a taxable land value.
- LMI Calculator Estimated upfront Lenders Mortgage Insurance premium and LVR, from Helia's own rate table.
- Offset Account Calculator How much interest an offset account saves on a home loan, and how much sooner it is paid off.
Super & salary
How OzCalc works
Rates and thresholds are stored as versioned data with the official source and a last-verified date attached, and every calculation engine is tested against the source's own published figures before it ships. When rates change at 1 July or a state budget, the tables update and each affected page says so.