AusCalcs is 92 free Australian financial calculators, built in Sydney by one person. No advertising, no sponsored placements, no product to sell you. They cover what Australians actually need to figure out — buying a home, managing a mortgage, understanding tax, planning for retirement. Free to use, no sign-up required, updated whenever the underlying rates change.
What "transparency-first" actually means
Most financial tools online are marketing in disguise. A mortgage calculator sits behind a broker's lead form. A stamp duty tool ends with a referral link. A super calculator redirects you to a product statement. The number is the bait.
AusCalcs is built the other way. Every calculator shows its working — the rates it uses, the formula, the government source. When the ATO changes a tax bracket or a state changes a duty concession, the calculator updates and the change is noted. The point isn't to sell you a product. It's to give you the right number and let you decide what to do with it.
So every rate and threshold across the site is:
- Drawn from a named primary source (ATO, ABS, RBA, Services Australia, state revenue offices)
- Dated — you can see when it was last verified
- Matched across the site — the income tax calculator and the tax guides use the same figures
If a calculator and an article disagree, that's a bug. We fix it.
What AusCalcs covers
92 free calculators across 14 categories. No login required, no paywall, no product recommendations at the end.
Tax — income tax, Medicare levy, Medicare levy surcharge, work from home, salary packaging, PAYG withholding, return estimator, CGT, and more. Rates are FY 2026–27.
Mortgage — repayments, borrowing power, extra repayments, offset savings, fixed vs variable, refinancing, break costs, interest-only switch, and lump sum vs extra. Figures are general; for your exact rate, talk to your lender.
Stamp duty — all eight Australian jurisdictions, including first home buyer concessions and foreign buyer surcharges where they apply. Each state's calculator is maintained separately because the rules differ significantly.
Super — contributions caps, salary sacrifice, co-contribution, spouse contribution, Division 293 tax, extra contributions, balance projector, pension drawdown, and transition to retirement. All calculators use the current 12% Superannuation Guarantee rate.
HECS-HELP — repayment under the new marginal system (effective 1 July 2026), payoff timeline, and voluntary repayment comparison.
Property — negative gearing, rental yield, depreciation, LMI, first home buyer costs, settlement costs, and renovation ROI.
Retirement — when can I retire, income gap, and business owner scenarios.
Personal finance — emergency fund, savings goal, compound interest, debt avalanche vs snowball, credit card payoff, car loan, and personal loan.
Investment — ETF fees, franking credits, dollar-cost averaging, margin loan, term deposit, and FIRE calculator.
Who built this, and why
Built by Kevan Baker, an independent developer in Sydney. It started because existing calculators were either wrong, behind a lead form, or buried so deep in disclaimers the number felt incidental.
The principle is simple: the calculator is the product. Not the lead form. Not the newsletter. Not a comparison table with affiliate commissions attached. The calculator.
That independence shapes everything on the site. When the government changes a rate, the site changes. When a result doesn't match the ATO's own worked examples, that's a bug — it gets fixed before the next person uses it.
How the numbers stay accurate
Every calculator draws from a named government source — ATO tax tables for income tax, state revenue offices for stamp duty, legislated rates from ATO and Treasury for super.
Each calculator page shows when it was last verified. When a Budget measure passes or a state changes duty rates, we update before the next financial year begins — usually before the change takes effect.
The guides work the same way. The FY 2026–27 tax changes uses the same rates as the income tax calculator. Household data articles cite ABS datasets directly, with collection dates visible. Find a discrepancy between a guide and a calculator? That's a real error — use the contact page.
What AusCalcs is not
This is general information, not financial advice. The calculators give you a number based on the rates and rules you enter. They don't know your full position, your goals, or personal circumstances. They're a starting point — somewhere to understand the landscape before you talk to an accountant, adviser, or broker.
Nothing here recommends you buy, sell, refinance or invest. The calculators model scenarios. They don't tell you what to do.
On big decisions — buying property, restructuring super, choosing between fixed and variable — the calculator is one input, not the answer. Use it to understand the question before you get paid advice on the answer.
The calculators most Australians need first
Not sure where to start? These five cover most money questions Australians face:
- Income Tax Calculator — your take-home pay after marginal rates and Medicare. The most-used tool on the site.
- Stamp Duty Calculator — the upfront cost of buying a property, by state. Frequently underestimated.
- Mortgage Repayment Calculator — what a loan actually costs each month at a given rate.
- HECS Repayment Calculator — your compulsory repayment under the system that changed on 1 July 2026.
- Super Balance Projector — where your super ends up if contributions and returns hold.
They link to their cousins — mortgage repayment connects to borrowing power; income tax connects to salary sacrifice. Follow the question wherever it leads.
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AusCalcs is updated for FY 2026–27. All rates are current as at the date shown on each calculator page. This article is general information only — not financial advice.