Australian Tax & Financial Calculators
Free, practical calculation tools built strictly to current ATO schedules, APRA lending standards, and state revenue legislation.
Income Tax Estimator
Model individual tax brackets, Medicare levy, LITO, and franking credit refunds under current ATO rules.
PAYG Tax Withheld
Verify exact payslip withholding, Medicare, and HELP/HECS debt repayments across weekly, fortnightly, or monthly pay.
Loan Repayment Calculator
Calculate mortgage or commercial loan repayments, track offset milestones, and test against APRA +3% rate buffers.
Stamp Duty Calculator
Calculate property transfer duty, First Home Buyer concessions, and foreign buyer surcharges across every Australian state.
Land Tax Calculator
Estimate annual state land tax, special trust surcharges, NSW 3-year averaging, and investor after-tax holding costs.
Depreciation Schedule
Find ATO effective life ratings, model Division 40 write-offs, and compare Diminishing Value vs Prime Cost across 5+ years.
Novated Lease Calculator
Calculate your real take-home pay impact, EV FBT exemption savings, HECS loan adjustments, and private running cost offsets.
Built for Mathematical Accuracy — Not Generic Estimates
Statutory ATO Schedules
Calibrated to verified Australian Taxation Office formulas, including Stage 3 income tax cuts, Division 40 effective life determinations, and Treasury Laws EV FBT exemptions.
State Revenue Coverage
Property calculators integrate individual thresholds and surcharge rules across NSW, VIC, QLD, WA, SA, TAS, ACT, and the Northern Territory.
Real Lending & Salary Constraints
Lending and salary packaging tools account for real constraints, including APRA +3% interest buffer tests, HECS repayment income indexing, and true cashflow offsets.
Need Help Structuring Your Financial Strategy?
Calculators provide an essential starting point, but complex tax minimisation, depreciation schedules, and novated leasing require tailored advice. Speak directly with our accounting team in Miranda.