Free, Transparent Tools for
Financial Freedom.
Clear, easy-to-use tools for mortgage, retirement, and tax planning. Built to help you understand the numbers behind real life decisions.
Market Indicators
Official figures influencing your interest rates and living costs.
Cash Rate Target
4.60%
Effective: 30 Sep 2026
Next update: 4 November 2026
Average Weekly Earning
$2,051.10
Nov 2025 • Released 26/02/2026
Consumer Price Index (CPI)
3.5%
July 2026 • Annual inflation rate
Mean Dwelling Price
$1100.4k
National Avg: $1100.4k
simulationComprehensive Simulators
View AllChildcare Net-Gain & Workday Optimizer
Find your sweet spot by modeling income tax, subsidies, and childcare costs across 0-5 workdays.
Advanced Loan Repayment Simulator
Full loan schedule with offsets, extra repayments, redraw, and rate change modeling.
Comprehensive Retirement Planner
Highly detailed simulator covering Super growth, Age Pension eligibility, and asset drawdown.
trending_upPopular Calculators
Retirement Planner Australia
Advanced projection for Australian Super balances and Age Pension eligibility.
Mortgage Calculator Australia
Calculate monthly home loan repayments and see your full amortization schedule.
Childcare Net-Gain Optimizer
Optimize workdays vs childcare costs to find your family's financial sweet spot.
Child Care Subsidy
Estimate your 2026-27 CCS entitlements with the new 3 Day Guarantee rules.
Baby Budget Calculator Australia
Calculate upfront baby gear setup costs and first-year monthly expenses in Australia.
Maternity Leave Pay Calculator Australia
Estimate your total income from employer leave and Gov PPL for 2026-27.
Cost of Living Calculator Australia
Detailed breakdown of household costs for home loan applications.
Salary After Tax & Take Home Pay Visualiser 2026
Interactive Australian salary and take-home pay visualiser with ATO tax curve, income percentiles, and $100k benchmarks.
Income Tax Calculator Australia 2026–27
Estimate your take-home pay with the 2026-27 Australian tax brackets.
analyticsVisual Insights
View GallerySalary After Tax & Take Home Pay Visualiser
Calculate your exact Australian take-home pay for $70k, $100k, $120k+, explore national income percentiles, and compare 2026–27 ATO tax brackets in real-time.
grid_viewBrowse Categories
Superannuation/Retirement
Tools for Australian Super projections, Age Pension tests, and retirement budgeting.
Mortgage/Loan
Expert tools for Australian home buyers: mortgage, offset, and refinance calculators.
Tax & Income
Updated Australian tax and pay estimators for 2025-26, 2026-27, and future years.
Property Related
Tools for Australian property owners: rent, stamp duty, and land tax.
Family
Tools for Australian families: child care subsidy and maternity leave estimators.
Investment
Calculators for shares, dividends, and portfolio diversification.
Personal Finance
Tools for budgeting, savings goals, and bank term deposits.
Education & Schooling
Tools for HECS/HELP repayments and private school fee projections.
Small Business
Tools for Australian small businesses, sole traders, and freelancers.
Other Calculators
Everyday utilities: BMI, age, percentage, and pace calculators.
auto_storiesFinancial Knowledge Hub & Pillar Guides
Explore All GuidesMortgages & Home Loans Guide
Calculate mortgage repayments, understand APRA stress testing, and save interest with 100% offset accounts.
Retirement & Superannuation Guide
Super growth formulas, Centrelink Age Pension income and asset tests, and account-based pension drawdowns.
Childcare & Work Decisions Guide
Master the 2026–2027 Child Care Subsidy (CCS), Government PPL, and optimize workdays vs childcare fees.