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About AusCalcs

What Is AusCalcs?

AusCalcs is a free, independent collection of Australian finance and property calculators. We build the tools that Australians actually need — income tax, stamp duty, mortgage repayments, CGT, superannuation, HECS, and much more — all in one place, with no sign-up required and no paywalls.

Our Approach

Every calculator on AusCalcs is designed to give you a fast, accurate answer using current Australian tax rates and rules. We update all calculators for each new financial year as soon as rates are confirmed, so you can be confident the numbers reflect the latest legislation — not last year's brackets.

We believe financial information should be accessible to everyone. You shouldn't need to be a tax accountant to understand what your marginal tax rate is, how much LMI you might pay, or whether it's worth holding shares for 12 months to get the CGT discount. AusCalcs explains the concepts in plain English and does the maths for you.

Who We Are

AusCalcs is an independent Australian website. We are not affiliated with any bank, financial institution, accounting firm, or government body. Our calculators are built by Australians, for Australians.

What We Cover

Our calculators span the full range of personal finance decisions that Australians face:

  • Tax: Income tax, Medicare levy, work-from-home deductions, salary packaging, PAYG withholding
  • Property: Stamp duty (all states), land tax, rental yield, LMI, negative gearing, settlement costs, depreciation
  • Mortgage: Repayments, extra repayments, offset savings, refinancing, borrowing power
  • Capital Gains Tax: Property, shares, cryptocurrency, main residence exemption, the 50% discount
  • Superannuation: Salary sacrifice, concessional caps, Division 293, spouse contributions, balance projections
  • HECS-HELP: Repayment amounts, voluntary repayments, indexation impact
  • Business: GST, FBT, payroll tax, BAS, contractor rates
  • Investment: ETF fees, dollar-cost averaging, term deposits, franking credits, FIRE

Current as at 2026–27 Financial Year

All rates, thresholds, and brackets on AusCalcs are updated for the 2026–27 financial year (1 July 2026 to 30 June 2027), incorporating the Stage 3 tax cuts and the 12% Super Guarantee. Where rates differ between years, we note the relevant year clearly.

Privacy

The numbers you type into our calculators never leave your browser — they are not sent to our servers, logged, or stored. We use Google Analytics to count visits in aggregate, and it only runs if you consent. We do not sell data or build profiles of individual visitors.

Full detail, including cookies, consent and advertising disclosures: read the Privacy Policy.

Terms & regulatory position

AusCalcs provides general information only. Our calculators produce estimates, not financial advice, and you should consult a qualified professional before acting on any result. We operate in accordance with ASIC Corporations (Generic Calculators) Instrument 2026/41 and do not hold or require an AFS licence.

Full terms, attribution rules for journalists, and our regulatory position: read the Terms of Use.

Sources

Every rate, threshold, and bracket on AusCalcs comes from a primary government source. We do not aggregate from blogs, news outlets, or third-party rate-comparison sites. The full list of authorities we cite:

  • Australian Taxation Office (ATO) — income tax brackets, Medicare levy, PAYG withholding schedules, deduction rules, super contribution caps, Division 293, capital gains tax rules, FBT, and HECS-HELP indexation and repayment thresholds.
  • State Revenue Offices — Revenue NSW, State Revenue Office Victoria, Queensland Revenue Office, RevenueSA, RevenueWA, State Revenue Office Tasmania, Territory Revenue Office (NT), and ACT Revenue Office for stamp duty, land tax, and first home buyer concessions.
  • Australian Prudential Regulation Authority (APRA) — serviceability assessment buffer used in borrowing power calculations.
  • Reserve Bank of Australia (RBA) — official cash rate and historical movements used in mortgage calculators.
  • Australian Bureau of Statistics (ABS) — Consumer Price Index used in inflation, indexation, and real-return calculations.
  • Australian Securities and Investments Commission (ASIC) — MoneySmart assumptions for super projection calculators.
  • Department of Education — HECS-HELP repayment thresholds and indexation rates.
  • Services Australia / Centrelink — pension drawdown minimums, JobSeeker indexation, and Family Tax Benefit thresholds.

All rates on AusCalcs are reviewed at the start of each financial year and updated as soon as legislative changes are confirmed. Where a rate is announced but not yet legislated, we mark it clearly as "announced" rather than "legislated".

Contact

AusCalcs is operated independently in Australia. If you have spotted a calculation error, a stale rate or a broken link, we want to know — a wrong number is the one thing we drop everything for.

Get in touch. We aim to respond to genuine enquiries within five business days.