2025–26 rates

Know your real take-home pay, loan costs, and future super — instantly

Fast, free, and 100% private. All calculations run in your browser — no data is sent anywhere.

Updated 2025–26

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Salary Calculator

Includes HECS, Medicare levy, and bonuses

See 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 Calculator

Most used

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Mortgage Calculator

See total interest & pay-off timeline

Model P&I or interest-only repayments, extra payments, and see your full amortisation schedule.

See my repayments → Don't forget upfront costs → Stamp Duty Calculator

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Stamp Duty Calculator

Includes first home buyer discounts

Transfer duty for NSW, VIC, QLD, WA, and SA — including first home buyer concessions.

Calculate my stamp duty → Also check your borrowing power → Mortgage Calculator

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Super Calculator

See your balance at retirement

Project your super balance at retirement with SG contributions and compound returns.

Project my super → See how salary affects super → Salary Calculator

Example calculations

Jump straight to a common scenario:

$100k salary → take-home pay after tax & HECS $600k loan → monthly repayments & total interest $800k home in NSW → stamp duty as a first home buyer $120k salary at 35 → projected super balance at 65

Why use these calculators?

2025–26 rates — updated for the current financial year including the new 12% SG rate.
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

AusCalculator 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 for the 2025–26 financial year.
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.

All figures are estimates based on current legislation. We recommend confirming results with a registered financial adviser or the ATO for your specific situation.