Australian rates for 2026–27

Fair dinkum Australian finance calculators for tax, property and pay.

Free calculators for take-home pay and income tax, capital gains tax under the new 2027 rules, stamp duty in every state, mortgages, HECS, loans and savings, at this year's official rates. Plus a scientific calculator, clocks, timers and converters.

Checked against the ATO and state revenue offices Private, runs on your device Works offline

Tax, pay and super

10 tools

Income tax, capital gains, HECS and deductions at current ATO rates.

Take-Home Pay

Pay after income tax, Medicare levy and HECS/HELP.

ATO 2026-27

Salary Needed for Take-Home Pay

The salary you need to earn a set take-home pay, after tax and HECS.

ATO 2026-27

Capital Gains Tax

Tax on selling shares, crypto or property, with the new 2027 rules.

Indexation and 30% minimum

Work From Home & Car Expenses

Your working from home and work car tax deductions, and the tax they save.

ATO 70c/hr and 91c/km

HECS/HELP Debt Payoff

Years to repay your study loan, with indexation and extra repayments.

ATO 2026-27 rates

GST

Add GST to a price or find the GST inside a total.

10% rate

Super & Salary Sacrifice

Employer super, tax saved by salary sacrificing and the concessional cap.

ATO 2026-27, $32,500 cap

Medicare Levy Surcharge

The surcharge without hospital cover, and whether a policy costs less.

ATO 2026-27 thresholds

Tax Refund Estimator

Your tax refund or bill for 2025-26 or 2026-27, from your income statement.

ATO 2025-26 & 2026-27

Super & Retirement

Super at retirement in today's dollars, how long it lasts, and the ASFA standard.

ASFA June qtr 2026

Property and cars

19 tools

Stamp duty in every state, home loans and rental returns.

Stamp Duty, All States

Transfer duty for every state and territory, with home and first home concessions.

All 8 states and territories

NSW Stamp Duty

Transfer duty, first home buyer concessions and foreign surcharge.

Revenue NSW 2026-27

VIC Stamp Duty

Victorian land transfer duty, the PPR rate and first home buyer relief to $750,000.

SRO Victoria 2026-27

QLD Stamp Duty

Queensland transfer duty, the home concession and first home concessions.

QRO 2026-27

WA Stamp Duty

WA transfer duty, the first home owner rate to $800,000 and foreign surcharge.

RevenueWA 2026-27

SA Stamp Duty

South Australian stamp duty and first home buyer relief on new homes, with no price cap.

RevenueSA 2026-27

TAS Stamp Duty

Tasmanian property transfer duty, after the first home exemption on established homes ended.

SRO Tasmania 2026-27

ACT Stamp Duty

Canberra conveyance duty, owner-occupier rates and the Home Buyer Concession Scheme.

ACT Revenue Office 2026-27

NT Stamp Duty

Northern Territory stamp duty and the house and land package exemption to June 2027.

Territory Revenue Office

Mortgage Repayments

Home loan repayments and total interest, weekly to monthly.

Weekly to monthly

Offset Account

Interest and years saved by money held in offset.

Same repayment

Rental Yield

Gross and net yield from weekly rent and annual costs.

Per-week rent

Car Stamp Duty, All States

Motor vehicle duty on new and used cars in every state, with electric, hybrid and luxury rates.

All 8 states and territories

Borrowing Power

Roughly how much a bank might lend, tested at APRA's 3% buffer.

APRA 3% buffer

Rental Cashflow & Negative Gearing

Weekly cashflow after tax, and the 2027 negative gearing limit.

Before and after 1 July 2027

Refinance

What switching home loans saves after costs, and when you break even.

Costs and break-even

Rent vs Buy

Your wealth after buying a home or renting and investing the difference.

Stamp duty, all states

LMI Calculator

Estimate lenders mortgage insurance and state duty on it, and check if the 5% Deposit Scheme avoids it.

Estimate, all states

Upfront Costs of Buying a Home

Cash needed to buy: deposit, stamp duty, registration fees, LMI and typical costs.

All 8 states, 2026-27

Loans and savings

8 tools

Car and personal loans, credit cards, savings goals and compound interest.

Compound Interest

Savings growth with regular deposits, year by year.

Daily to annual

Car & Personal Loan Repayments

Repayments and true cost with fees and an optional balloon.

Fees and balloon

Credit Card Payoff

Time and interest to clear your card, versus minimum repayments.

Minimum vs fixed

Savings Goal

How long to reach a goal, or how much to save by a date.

Weekly to monthly

Inflation

What an amount from any year since 1948 is worth today, using ABS CPI.

ABS CPI since 1948

Term Deposit

Interest and balance at maturity, paid monthly to at maturity, with tax.

Monthly to maturity

Balance Transfer

Stay or transfer: interest, fees, time to clear and what is left after the intro rate.

Fee, intro and revert rate

Budget Planner

Income and bills at any frequency, with your surplus or shortfall and where it goes.

Weekly to yearly

Everyday tools

7 tools

Maths, conversions and time tools that work anywhere.

Calculator

Basic and scientific: trig, logs, powers, roots and factorials.

Basic and scientific

Percentage

Percent of a number, share of a total and change.

Three in one

Unit Converter

Length, mass, volume, area, speed and temperature.

Metric ⇄ imperial

Date Calculator

Days and business days between dates, or add days.

NSW holidays

World Clock

Live times worldwide and a meeting-time converter.

50 cities

Stopwatch

Split and total lap times to the hundredth.

Space to start

Countdown Timer

Hours, minutes and seconds with an audible alarm.

Presets included

Why these calculators