Interactive Australian finance calculators—no sign-in required
Test salary offers, model superannuation compounding, and structure a household budget split right in your browser before saving a single record.
Explore free calculators
Salary calculator
Australian Salary Calculator
Estimate Australian take-home pay across weekly, fortnightly, monthly, and annual cycles with Medicare levy, superannuation, HELP debt, and salary packaging.
Budget calculator
Budget Calculator
Split your after-tax pay across essential needs, discretionary wants, and savings goals using 50/30/20 or custom Australian household allocations.
WFH calculator
WFH Deduction Calculator
Compare the ATO 67c/hr Fixed Rate Method against the Actual Cost Method for working from home deductions, including phone, internet, and electricity.
Offset calculator
Mortgage Offset Calculator
Compare cash in a 100% mortgage offset versus a taxable savings account — interest saved, years off the loan, and after-tax returns.
HECS-HELP calculator
HECS-HELP Calculator
Estimate your compulsory HELP repayment under the 2025–26 marginal rate system, annual 1 June indexation, and your projected year-end balance.
Debt payoff calculator
Debt Payoff Calculator
Compare avalanche and snowball payoff strategies across your debts — payoff date, total interest, and what an extra repayment saves.
Insurance needs calculator
Insurance Needs Calculator
Estimate how much life, TPD, and income protection cover your household needs — debts, income replacement, future costs, minus assets and existing cover.
CGT calculator
CGT Calculator
Estimate CGT on an asset sale — the 50% discount at 12 months, your taxable gain, and the tax at your marginal rate.
Borrowing power calculator
Borrowing Power Calculator
Estimate how much you could borrow — lender-style serviceability with after-tax income, expenses, card-limit loadings, and the 3% APRA buffer.
Risk profiler
Risk Profile Quiz
Five questions on horizon, reactions, income, goals, and experience — scored to a suggested growth/defensive asset mix.
Stamp duty calculator
Stamp Duty Calculator
Estimate transfer duty in any Australian state — first-home concessions, foreign surcharge, and the effective rate on your purchase.
Retirement calculator
Retirement Calculator
Project your super to retirement, add an Age Pension estimate, and compare against the ASFA comfortable and modest standards.
Centrelink calculator
CCS Estimator
Estimate your CCS percentage, subsidised hours, and weekly out-of-pocket childcare cost using 2025-26 income thresholds and rate caps.
Super calculator
Super Cap Checker
Check your concessional headroom, non-concessional cap and bring-forward eligibility, carry-forward availability, and the Division 293 flag for 2025-26.
Housing calculator
Rent vs Buy
Compare buyer equity against a renter’s invested portfolio over your horizon — stamp duty, mortgage, owner costs, rent growth and investment returns included.
Superannuation
Super Calculator & Estimator
Project your superannuation balance using your starting balance, average annual contributions, assumed return, and time horizon.
Model real Australian pay and tax mechanics
Our calculators account for progressive resident and non-resident tax brackets, the Medicare levy and surcharge, HELP/STSL student loan repayments, salary sacrifice, novated leases, and superannuation guarantee contributions.
Private in-browser calculations first
Every calculator on this page runs immediately in your browser without requiring an account. You can test scenarios, export a clean PDF summary, or copy a shareable link to review with your partner or accountant.
Move from a one-off calculation to an ongoing plan
A calculator gives you a snapshot on a single afternoon; PFinance turns those numbers into living income streams, category budgets, and savings goals that update as real transactions arrive.