Australian Tax & Money Calculators

Every calculator uses verified FY2026-27 rates — including the new 15% tax bracket, the marginal HECS system and current stamp duty schedules for all eight states and territories.

Rates verified July 2026 · updated every financial year

Tax & income

Updated for the 15% bracket

Income Tax Calculator

Take-home pay, marginal and effective rates with Medicare, LITO and optional HECS — the 1 July 2026 cut included.

New marginal system

HECS / HELP Repayment

Nothing below $69,528, then 15c and 17c per dollar. See your repayment, fortnightly amount and years to clear.

$32,500 cap checked

Salary Sacrifice

Real annual benefit of sacrificing to super, with automatic cap and Division 293 warnings.

10% — both directions

GST Calculator

Add GST to a price or extract it from a total. Divide by 11, not 10 — the classic BAS mistake, avoided.

All six in one page

Tax Suite (tabbed)

Income tax, HECS, GST, salary sacrifice, CGT and gearing side by side — handy when one question leads to another.

Property & investing

All 8 states compared

Stamp Duty — Australia

One calculator, every jurisdiction — plus the same property priced in all eight states, cheapest highlighted.

$0 to $800k for FHBs

Stamp Duty — NSW

Current Revenue NSW rates, first-home taper to $1M, premium duty and the 9% foreign surcharge.

The $600k cliff

Stamp Duty — Victoria

First home buyer, PPR and investor rates, with the off-the-plan concession extended to April 2027.

New builds: $0 for FHBs

Stamp Duty — Queensland

Home concession, first-home concession, and the new-build rule that zeroes duty at any price.

50% discount applied

Capital Gains Tax

The true incremental tax on a gain at your marginal rates — not a made-up flat "CGT rate".

The honest number

Negative Gearing

Tax saved and the real after-tax weekly holding cost — the figure most gearing calculators hide.

Why these calculators are different

Most Australian calculator pages quietly run on last year's numbers. This financial year that matters more than usual: the second income tax bracket dropped to 15% on 1 July 2026, HECS repayments moved to an entirely new marginal system with a $69,528 threshold, the concessional super cap was indexed to $32,500, and stamp duty concessions changed recently in Queensland, WA and Victoria. Every calculator here states the schedule it uses and the date we verified it against the official source — the ATO or the relevant state revenue office — and we re-verify each financial year and after every budget.

Estimates only — not financial or tax advice. Each calculator lists its own assumptions, exclusions and verification date, and links to the official source for confirmation. Rates and thresholds change with budgets and indexation — always confirm with the ATO, your state revenue office or a registered professional before acting.