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Australia
AUD · Tax year 2025–26

Australia

Federal + state calculators for every personal finance situation. Salary, capital gains, mortgage, cost of living — all modeled on the ATO’s 2025–26 schedules.

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Calculators 27 updated for 2025–26
Top Tax Bracket 45% AUD 190k+ income
GST 10% standard rate
Super Rate 12% employer min.

Quick estimates

Run a one-input estimate before opening the full calculator. Sourced from ATO.

Take-home pay ATO 2025–26 brackets + 2% Medicare Levy
AUD
Estimated take-home — /yr
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Stamp duty (NSW) Owner-occupier transfer duty schedule
AUD
Estimated stamp duty —
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Mortgage repayment Principal & interest, 30-year term
AUD
% p.a.
Monthly repayment — /mo
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Popular

Income Tax Calculator

Australian income tax, Medicare Levy, and HECS/HELP using ATO 2025–26 brackets.

ATO 2025–26Stage 3 cutsHECS/HELPMedicare Levy
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Crypto Tax Calculator

Capital gains tax on crypto disposals, trading profits, DeFi yields and loss harvesting.

CGT calculationsTrading profitsDeFi transactionsLoss harvesting
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Super Calculator

Superannuation contributions, salary sacrifice, co-contributions and retirement balance projections.

Contribution limitsSalary sacrificeRetirement planningCo-contribution
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Capital Gains Tax Calculator

CGT on asset disposals including the 12-month 50% discount for individuals.

12-month discountAsset cost baseMarginal rateATO method
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GST Calculator

Add or remove 10% GST from a price using ATO rules.

10% standardAdd GSTRemove GSTBAS reference
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Popular

Stamp Duty Calculator

State-by-state stamp duty including first home buyer concessions and foreign buyer surcharges.

All statesFHB concessionsForeign surchargeInvestment
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Mortgage Calculator

Home loan repayments with principal, interest, offset and extra-payment scenarios.

P&I or IOOffset accountExtra repaymentsAmortisation
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Rental Yield Calculator

Gross and net rental yield, cash flow and gearing on an investment property.

Gross yieldNet yieldCash flowGearing
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Car Loan Calculator

Monthly car loan repayments, total interest cost and amortisation schedule.

Monthly repaymentsTotal interestAmortisationBalloon option
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Caravan Loan Calculator

Caravan loan repayments including interest, balloon payments and total cost in AUD using ASIC MoneySmart and RBA guidance.

Monthly repaymentsBalloon optionTotal interestASIC MoneySmart
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LMI Calculator

Lenders Mortgage Insurance on your Australian home loan — LVR, indicative premium and state duty using ASIC MoneySmart guidance.

LVR bandsIndicative premiumState dutyASIC MoneySmart
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Novated Lease Calculator

Take-home impact of a novated lease versus a standard car loan with FBT.

Pre-tax savingsFBT impactEV exemptionResidual value
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Personal Loan Calculator

Repayments and total cost of borrowing across loan amounts, rates and terms.

Fixed termComparison rateTotal interestRepayment schedule
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Inflation Calculator

Value of AUD across years using ABS Consumer Price Index data.

ABS CPIHistorical AUDPurchasing powerYear-on-year
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Compound Interest Calculator

Savings growth with regular contributions and selectable compounding frequency.

Daily/MonthlyRegular depositsInvestment goalTime horizon
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ROI Calculator

Return on investment with holding period, income during hold and break-even point.

Total returnAnnualised ROIBreak-evenIncome during hold
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Cost of Living Calculator

Compare living costs between Australian cities and overseas locations.

City vs cityRent indexGroceriesTransport
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Medicare Levy Calculator

Estimate the 2% Medicare Levy and Medicare Levy Surcharge including the low-income reduction and family thresholds.

ATO 2025–26MLS surchargeLow-income reductionFamily thresholds
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Refinance Calculator

Monthly saving and break-even period when refinancing an Australian home loan against switching costs.

Break-even pointMonthly savingRBA reference rateSwitching costs
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Reverse Mortgage Calculator

Equity you could access through a reverse mortgage with loan balance compounding against home value over time.

Equity accessCompounding balanceHome valueAge-based limits
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HECS-HELP Calculator

Compulsory HECS-HELP repayments under the ATO marginal repayment system applying from 1 July 2025, with thresholds and indexation.

Marginal systemAUD 67,000 thresholdATO 2025–26CPI/WPI indexation
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Tax Return Calculator

Estimated tax refund or amount owing for 2025–26. Compares PAYG withheld against income tax, Medicare, LITO and HELP using ATO rates.

Refund or owingPAYG reconciliationLITO appliedATO 2025–26
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Home Loan Offset Calculator

Interest and loan term saved with a mortgage offset account on an Australian home loan.

Interest savedTerm reductionOffset balanceASIC MoneySmart
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LVR Calculator

Loan-to-value ratio (LVR) on an Australian home loan and whether LMI applies above the 80% threshold.

LVR %80% thresholdLMI triggerASIC MoneySmart
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Home Equity Calculator

Home equity and usable equity in AUD from your property value, loan balance and LVR using ASIC MoneySmart guidance.

Usable equityProperty valueLVR basedASIC MoneySmart
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Home Loan Deposit Calculator

Home loan deposit, LVR and indicative LMI in AUD. Compares 5%, 10% and 20% deposits using ABS and Housing Australia data.

Deposit size5/10/20% compareIndicative LMIABS data
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HELOC Calculator

Usable home equity accessible through a line of credit, with LVR and interest cost using RBA and ASIC MoneySmart data.

Line of creditUsable equityInterest costRBA data
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Plan ahead

Upcoming Australia dates NEW

Tax filing, superannuation, electricity tariffs and inflation releases — sourced from ATO, AER and the ABS.

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    What changed this year

    Recent rate, bracket and threshold changes from ATO and the relevant authorities.

    1 Jul 2025

    Super Guarantee reached 12.0%

    Final scheduled rate of the Super Guarantee took effect, applied to ordinary time earnings within the maximum contribution base.

    ATO
    1 Jul 2025

    HECS/HELP threshold lifted to AUD 67,000

    New marginal repayment system replaced the prior tiered model. A 20% reduction was applied to all HELP debts in June 2025.

    ATO
    1 Jul 2024

    Stage 3 tax cuts took effect

    The 19% bracket dropped to 16%. The 32.5% bracket dropped to 30%. Top brackets shifted from AUD 120k to AUD 135k and AUD 180k to AUD 190k.

    ATO
    Sep 2024

    RBA cash rate target updates

    The Reserve Bank of Australia continued its rate-setting cycle. Mortgage calculators reference the current published cash rate target.

    RBA
    Legislated

    16% rate scheduled to drop to 15% from 1 Jul 2026

    A further reduction to 14% is legislated from 1 July 2027. Income tax calculators will be updated when each rate change takes effect.

    ATO

    How Money Snap calculators work

    Three steps to a sourced estimate.

    01

    Select a calculator

    Pick the Australia calculator that matches the figure to estimate.

    02

    Enter inputs

    Add income, loan or property values. Inputs stay in your browser only.

    03

    Review the breakdown

    See itemised results based on official ATO brackets and current rates.

    Frequently asked questions

    Common questions about Money Snap Australia calculators.

    All calculations run in your browser. Salary, loan and property figures are not stored, transmitted or shared by Money Snap.
    Australian calculators apply the ATO 2025–26 financial year (1 July 2025 to 30 June 2026), including the Stage 3 cuts effective from 1 July 2024.
    Yes. The 2% Medicare Levy is calculated on top of income tax, with low-income reductions applied at AUD 27,222 (singles) and AUD 45,907 (families).
    The Super Guarantee rate is 12% from 1 July 2025 — the final scheduled rate as published by the ATO.
    The Income Tax Calculator supports Resident, Non-Resident and Working Holiday Maker brackets, sourced from the ATO non-resident schedule.
    The Stamp Duty Calculator applies the schedule of each state and territory revenue office, including first home buyer concessions and foreign buyer surcharges.
    No. Money Snap is an information and calculator platform. Results are estimates and do not constitute financial, tax or legal advice. Refer to a registered tax agent or licensed adviser for personal advice.
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    Money Snap Australia calculators are sourced from ATO and reviewed each fiscal period. Pass it along to a friend, colleague or family member who might find it useful.

    Methodology & data sources

    How Money Snap Australia calculators are built, sourced and maintained.

    Data sources
    Australian Taxation Office
    ato.gov.au
    Income tax brackets, Medicare Levy, Super Guarantee, HECS/HELP, CGT, FBT, MLS
    Reviewed quarterly
    Reserve Bank of Australia
    rba.gov.au
    Cash rate target, mortgage reference rates, inflation series
    Reviewed monthly
    ASIC MoneySmart
    moneysmart.gov.au
    Compound interest, retirement, loan calculation conventions
    Reviewed quarterly
    Services Australia
    servicesaustralia.gov.au
    Family Tax Benefit thresholds
    Reviewed quarterly
    State revenue offices
    Various
    Stamp duty schedules, first home buyer concessions per state
    Reviewed quarterly
    Methodology
    Income tax ATO marginal-bracket formula applied to taxable income. Stage 3 cuts effective 1 July 2024.
    Medicare Levy 2% on taxable income, with low-income reduction thresholds at AUD 27,222 (singles) and AUD 45,907 (families).
    Superannuation 12% Super Guarantee on ordinary time earnings, capped at the maximum contribution base.
    Stamp duty State-by-state owner-occupier and investor schedules, with first home buyer concession thresholds.
    Mortgage Standard principal-and-interest amortisation with monthly compounding (Australian convention).
    Editorial standards
    • Money Snap does not provide financial advice. Results are illustrative estimates only.
    • No product is ranked, recommended or endorsed. The platform surfaces calculations, not opinions.
    • No AI-generated investment recommendations are produced anywhere on the platform.
    • Rate figures are sourced exclusively from official government and regulatory channels.

    This page is provided for educational and informational purposes only and does not constitute financial advice. Results from linked calculators are estimates based on the inputs provided. Rates, tax brackets and regulations are subject to change. Refer to the Australian Taxation Office (ATO) and the Reserve Bank of Australia (RBA) and seek independent professional advice.

    Sources: ATO RBA ASIC MoneySmart