Australian Finance Calculators — Salary, Tax, Stamp Duty & Super
Calculate your after-tax income including Medicare, HECS/HELP, and super. Fast, free, and 100% private — all calculations run in your browser.
Salary Calculator
Includes HECS, Medicare levy, and bonusesSee your exact take-home pay after income tax, Medicare levy, and HECS/HELP repayments.
See my take-home pay → Planning to buy a home? Mortgage CalculatorMortgage Calculator
See total interest & pay-off timelineModel P&I or interest-only repayments, extra payments, and see your full amortisation schedule.
See my repayments → Don't forget upfront costs → Stamp Duty CalculatorStamp Duty Calculator
Includes first home buyer discountsTransfer duty for NSW, VIC, QLD, WA, and SA — including first home buyer concessions.
Calculate my stamp duty → Also check your borrowing power → Borrowing Capacity CalculatorSuper Calculator
See your balance at retirementProject your super balance at retirement with SG contributions and compound returns.
Project my super → See how salary affects super → Salary CalculatorBorrowing Capacity
Uses APRA buffer & HEM — same as banksFind out how much you can borrow using the actual serviceability method Australian lenders use.
Calculate my borrowing power → Then model your repayments → Mortgage CalculatorExample calculations
Jump straight to a common scenario:
Why use these calculators?
- Current ATO rates — updated each financial year including the 12% SG rate and any legislated changes.
- No sign-up — no accounts, no email, no tracking. Just numbers.
- Browser-only — calculations happen on your device. Your data stays yours.
- Australia-specific — LITO, Medicare levy, HECS thresholds, state stamp duty, and loan amortisation built in.
- ATO-aligned — calculations follow Australian Taxation Office guidelines and current legislation.
About these calculators
Australia Salary Tools provides free, browser-based financial calculators built specifically for Australians.
Our salary calculator Australia covers income tax, the Medicare levy,
LITO, and HECS/HELP repayments — switch between 2024–25, 2025–26, and proposed 2026–27 rates.
The mortgage calculator Australia models principal-and-interest and
interest-only repayments, with an amortisation schedule showing exactly when your loan is paid off.
The stamp duty calculator NSW, VIC, QLD, WA, and SA includes
first home buyer concessions and current transfer duty rates by state.
Our superannuation calculator projects your retirement balance
using the 12% SG rate and compound investment returns.
The borrowing capacity calculator estimates how much you can borrow using the APRA 3% serviceability buffer and HEM expense floor — the same method Australian lenders use.
The HECS repayment calculator shows your exact annual repayment
from current ATO threshold tables, including time-to-repay estimates.
The salary sacrifice calculator models your tax saving and
real take-home cost of contributing extra to super.
Detailed salary breakdowns: $100,000,
$120,000, and $150,000 after tax.
See also: take-home pay calculator for Sydney.
All figures are estimates based on current legislation. We recommend confirming results with a registered financial adviser or the ATO for your specific situation.