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Assumptions

Description

This calculator is a tool to determine borrowers' annual income from the income that has been accruing for less than a full year accrued year to date.

Assumptions

• The start and end dates are included in the “Number of paid days”.
• From start date to next 365 days, if the range includes 29 February, will use 366 days, otherwise it will use 365 days.
• The calculator doesn't convert between gross and net income. If input is gross income, the result is gross income.

Tax Threshold

2025– 2026 Financial Year Income Tax

2024– 2025 Financial Year Income Tax

Assumptions

Description

Calculate a simple income tax liability based on the ATO's personal income tax rates and thresholds.

Assumptions

• This calculator does not take into account possible tax deductions and tax offsets that may lower the tax you pay.
• The rates are for Australian residents.
• Medical levy toggle applies a flat 2% to taxable income (actual levy may be reduced or exempt based on circumstances).

Assumptions

Description

Compare any two loans on the market for a direct cost comparison. Determine which is the cheapest in total fees and interest over the life of the loan.

Assumptions

• Interest is calculated by compounding on the same repayment frequency selected, i.e. weekly, fortnightly, monthly. In practice, interest compounding frequency may not be the same as repayment frequency.
• It is assumed that a year consists 26 fortnights or 52 weeks which is counted as 364 days rather than 365 or 366 days.
• No rounding is done throughout calculation whereas repayments are rounded to at least the nearer cent in practice.
• This calculator does not take into account some loan features such as redraw facilities and offset accounts etc.

Assumptions

Description

This calculator helps you work out what your regular repayments will be based on your loan amount. The repayment frequency can be changed to monthly, fortnightly or weekly. Calculates both Principal and Interest repayments for a loan term.

Assumptions

• It does not take into account any possible up-front fees. Only ongoing fees are used, not upfront or end-of-loan fees (i.e. discharge costs).
• Interest rate does not change over the loan term.
• Interest is calculated by compounding on the same repayment frequency selected (weekly, fortnightly, monthly). In practice, the interest compounding frequency may not be the same as repayment frequency.
• A year is assumed to have 26 fortnights or 52 weeks (364 days).
• No rounding is done throughout the calculation, whereas repayments are rounded to at least the nearest cent in practice.

Assumptions

Description

This calculator helps determine whether Refinance to a new loan is the right option for you and it analyses three scenarios (1) not switching and keep repaying the currently loan (2) switch to a new loan and make the minimum repayment or (3) switch to a new loan and keep current and higher repayment if possible.

Assumptions

• Interest is calculated by compounding on the same repayment frequency selected, i.e. weekly, fortnightly, monthly. In practice, interest compounding frequency may not be the same as the repayment frequency.
• A year is assumed to have 26 fortnights or 52 weeks (364 days).
• No rounding is done throughout the calculation, whereas repayments are rounded to at least the nearest cent in practice.
• This calculator does not take into account some loan features such as redraw facilities and offset accounts, etc.

Assumptions

Description

This calculator helps you estimate all the costs associated with selling a property.

• “Is GST included” applies only to agent costs (commission, advertising, auction). If set to “No”, 10% GST is added to those items.
• Agent commission can be entered as a % of the sale price or as a $ amount; the other field will update automatically.
• Totals are simple sums of the entered values per section.

Assumptions

Description

Splitting a home loan into fixed and variable rate portions can provide insurance against future changes in interest rates that no one can predict. This calculator calculates your repayments and total interest under different fixed and variable rate scenarios.

• It does not take into account any possible fees i.e. up-front fees or ongoing fees.
• Interest rate does not change over the loan term.
• Interest is compounded using the selected repayment frequency (weekly, fortnightly, monthly).
• A year is assumed to have 26 fortnights or 52 weeks (364 days).
• No rounding is done through the calculation; repayments are rounded to at least the nearest cent for display.

Assumptions

Description

This calculator helps you estimate stamp duty and related government fees and grants for each Australian state/territory, using 2025–2026 settings you provided. Foreign purchaser surcharges and basic first-home grants are included where applicable.

• Calculations follow state/territory tables you supplied (2025–2026).
• Where a fee depends on payment method or location (e.g., VIC paper/electronic; WA metro/non-metro; north/south of 26th parallel), the inputs reflect this.
• Grants shown are headline amounts and caps only (more eligibility rules may apply).
• This tool does not consider all concessions/reliefs (e.g., complex pensioner or income-tested schemes) unless explicitly provided.
• All amounts are estimates only; always verify with the relevant State Revenue office.