Australian tax, finance & workplace calculators
Independent calculators for Australian tax, property, super and workplace-entitlement questions. 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. Start with the Australian tax calculator, or look up the current tax brackets and fortnightly tax table.
Tax
- Tax & Take-Home Pay Calculator Salary or hourly wage to take-home pay for FY2026-27 — tax, the $1,000 standard deduction, salary sacrifice, Medicare levy + surcharge, HECS, employer super, non-resident and backpacker rates.
- Tax Return & Refund Calculator Refund or tax bill before you lodge: income, deductions and PAYG withheld, assessed the way the ATO notice of assessment does it.
- Tax Withheld Calculator (PAYG) PAYG tax withheld from a weekly, fortnightly or monthly pay under the ATO withholding formulas — second job, study loan and Medicare levy exemption options.
- GST Calculator Add 10% GST to a price or work out how much GST a total includes, with the ATO-published formulas shown.
- 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 (all states) Transfer duty in any mainland state — NSW, VIC, QLD, WA and SA side by side, with registration fees.
- 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.
- Stamp Duty Calculator WA WA transfer duty at the general rate and the first home owner rate (homes and vacant land), plus Landgate fees.
- Stamp Duty Calculator SA SA conveyance duty, the uncapped first-home relief on new homes and vacant land, and Land Services SA fees.
- 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
- Super Contributions Calculator Super guarantee contribution, concessional cap headroom, and contributions tax including Division 293.
- Novated Lease Calculator The real annual cost of a novated lease car, the EV FBT exemption, and an honest loan comparison.
- EV Novated Lease Calculator Whether your electric car qualifies for the FBT exemption, and what that exemption is worth per year against the same car without it.
Work & leave
Reference tables
- Australian Tax Brackets Resident, foreign resident and working holiday maker rate tables for FY2026-27, what changed on 1 July, and tax at common incomes.
- Fortnightly Tax Table (NAT 1006) The ATO's printed fortnightly withholding table in full — every $2 step to $6,800, with and without the tax-free threshold.
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.