Aussie numbers, sorted in seconds.
Stamp duty, super, HECS, take-home pay — Australian state-by-state calculators with the actual formulas, current to the latest financial year.
Every figure is sourced. Rates and thresholds come only from official .gov.au sources and are re-checked by the editorial desk under a published methodology.
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Property
21State-by-state stamp duty, transfer duty and property cost calculators.
- PropertyNew
NSW Stamp Duty Calculator (FHBAS + Foreign Surcharge)
Work out NSW transfer duty on a property purchase, with First Home Buyer Assistance, foreign purchaser surcharge and Premium Property Duty handled.
Open - PropertyNew
Stamp Duty Calculator VIC 2025-26 — Calculate in Seconds
Calculate Victorian stamp duty in seconds, with the first home buyer concession, off-the-plan concession and 8% foreign purchaser surcharge. SRO 2025-26 rates.
Open - PropertyNew
QLD Stamp Duty Calculator (Home Concession + AFAD)
Estimate Queensland transfer duty on a property purchase, with the home concession, first home concession and 8% Additional Foreign Acquirer Duty handled.
Open - PropertyNew
Stamp Duty Calculator WA 2025-26
Work out WA transfer duty with the 2025 metropolitan and regional first home buyer concessions, vacant land threshold and foreign buyer surcharge.
Open - PropertyNew
Stamp Duty Calculator SA 2025-26 | First Home & FOS
Work out South Australian stamp duty with the new home first home buyer exemption, established home rates and 7% foreign ownership surcharge.
Open - PropertyNew
Stamp Duty Calculator TAS 2025-26
Estimate Tasmanian property transfer duty with the first home buyer exemption ($750k cap to 30 June 2026), 8% foreign investor surcharge and pensioner downsizer concession.
Open - PropertyNew
NSW Land Tax Calculator (incl. Foreign Surcharge)
Estimate annual NSW land tax across multiple investment properties, including the premium threshold and the 5% foreign owner surcharge land tax.
Open - PropertyNew
Land Tax Calculator VIC 2025-26 (with Absentee & VRLT)
Estimate VIC land tax with the $50,000 threshold, 4% absentee surcharge, 0.375% trust surcharge and Vacant Residential Land Tax. SRO 2025-26 rates.
Open - PropertyNew
Land Tax Calculator QLD 2025-26 (Aggregation & Absentee)
Estimate Queensland land tax for FY2025-26 across multiple owners. Covers individual, company, trust, absentee thresholds and the 3% surcharge.
Open - PropertyNew
Land Tax Calculator ACT 2025-26 — Estimate Your Bill
Estimate your ACT land tax in seconds, with the $1,693 fixed charge, 5-year AUV bands and 0.75% foreign owner surcharge. No tax-free threshold; PPR is exempt.
Open - PropertyNew
Property Depreciation Calculator AU (Div 40 + Div 43)
Estimate Division 40 (plant & equipment) and Division 43 (capital works) deductions for an Australian investment property. Diminishing vs prime cost.
Open - PropertyNew
Negative Gearing Calculator AU 2025-26
Work out the after-tax holding cost of an investment property: cash shortfall, tax refund from negative gearing and CGT exit position.
Open - PropertyNew
Vacant Residential Land Tax Calculator VIC
Work out Victoria vacant residential land tax (VRLT) on capital improved value, with the 1% / 2% / 3% staged rate and holiday home, change-of-use and construction exemptions.
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Foreign Purchaser Surcharge Calculator VIC
Estimate VIC Foreign Purchaser Additional Duty (FPAD 8%) with a residency and trust ownership test, plus a quick NSW/QLD comparison.
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Windfall Gains Tax Calculator VIC
Estimate VIC windfall gains tax on rezoning uplift over $100,000 (62.5% marginal, 50% flat) with the 2-hectare residential exemption.
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WA Land Tax Calculator 2025-26 (with MRIT)
Estimate Western Australia land tax for 2025-26 with the $300,000 threshold, the $300 flat-fee band, MRIT and multi-property aggregation. Sourced from RevenueWA.
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SA Land Tax Calculator 2025-26 (General & Trust)
Calculate South Australia land tax with the $732,000 threshold, 5-band progressive general rates and a separate trust schedule for 2025-26. Sourced from RevenueSA.
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TAS Land Tax Calculator 2025-26
Estimate Tasmania land tax for 2025-26 with the $125,000 threshold, two-band progressive rates ($50 + 0.45% and $1,737.50 + 1.5%) and the foreign owner surcharge.
Open - PropertyNew
VIC Absentee Owner Surcharge Calculator 2025-26
Calculate the 4% Victorian absentee owner surcharge on land for 2025-26 with no threshold, plus general land tax and the COVID Debt Repayment surcharge for combined liability.
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Stamp Duty Calculator NT 2025-26
Calculate Northern Territory stamp duty for 2025-26 including the PPRR $7,000 rebate, the under-$525k slope formula and the 4.95-5.95% bands.
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Stamp Duty Calculator ACT 2025-26 (HBCS)
Calculate ACT conveyance duty for 2025-26 with the Home Buyer Concession Scheme up to $1,020,000, the income test and the $35,238 deduction.
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Mortgage & finance
14Mortgages, repayments, refinancing and household budgeting in AUD.
- Mortgage & financeNew
Redundancy Pay Calculator AU 2025-26
Work out your NES redundancy pay, the tax-free portion ($13,100 + $6,552 per year) and the taxable ETP. Updated for FY2025-26 thresholds.
Open - Mortgage & financeNew
Salary Sacrifice Super Calculator AU 2025-26
Compare take-home pay and super balance with salary sacrifice. Includes the $30,000 concessional cap, Div 293 trigger and SG 12% for FY2025-26.
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First Home Super Saver Calculator AU 2025-26
Estimate your FHSS release amount, associated earnings and tax saving versus a regular savings account. Updated for the $50,000 cap.
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Super Carry-Forward Cap Calculator AU 2025-26
Work out your unused concessional contribution cap from the past 5 years, what expires on 30 June 2026, and the tax saving from catching up.
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Non-Concessional Super Cap Calculator AU 2025-26
Estimate your remaining non-concessional super cap and bring-forward eligibility from your age, total super balance and prior year contributions.
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Super Co-Contribution Calculator AU 2025-26
Estimate the government super co-contribution (up to A$500) from your income, after-tax super contributions and eligibility tests for FY2025-26.
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Novated Lease EV Calculator AU 2025-26
Compare an EV novated lease vs cash purchase using FBT exemption, salary sacrifice and RFBA effects on HECS, CCS and Division 293.
Open - Mortgage & financeNew
Transition to Retirement Pension Calculator AU
Model a TTR pension strategy: 4-10% drawdown, salary sacrifice top-up and 60+ tax-free income for the FY 2025-26 financial year.
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Annual Leave Loading Calculator AU (17.5%)
Estimate the 17.5% annual leave loading on accrued leave or termination payouts under Fair Work modern awards, with part-time FTE scaling.
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Payroll Tax Calculator WA 2025-26
Estimate WA payroll tax with the $1m threshold, tapering deduction up to $7.5m, 5.5% base rate, and the 6%/6.5% tiers above $100M / $1.5B for FY 2025-26.
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Super Minimum Pension Drawdown Calculator AU 2025-26
Work out your minimum pension drawdown for FY 2025-26: age-based 4% to 14% rates, first-year pro-rata and the 1 June no-payment exception for account-based and TTR pensions.
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Age Pension Calculator AU 2026 (Income & Assets Test)
Estimate your fortnightly Age Pension with both the income test, assets test, deeming and Work Bonus for homeowners and non-homeowners — rates effective from 20 March 2026.
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Spouse Super Contribution Calculator AU 2025-26
Calculate the $540 spouse super tax offset and contribution splitting for FY 2025-26 including the $37k-$40k income taper and 85% split limit.
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Downsizer Super Contribution Calculator AU
Check eligibility for the $300,000 downsizer super contribution including 55+ age, 10-year ownership, 90-day rule and Age Pension assets-test impact.
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Tax & duty
18Income tax, GST, working holiday tax and HECS-HELP repayments for the current financial year.
- Tax & dutyNew
HECS-HELP Repayment Calculator (FY2025-26)
Estimate your compulsory HECS-HELP repayment, see indexation impact and compare the legislated whole-income system against the proposed marginal system.
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Medicare Levy Surcharge Calculator + Break-even
Estimate your Medicare Levy Surcharge for the year and see at what point a basic private hospital cover policy is cheaper than paying the surcharge.
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NSW Payroll Tax Calculator 2025-26 | Threshold & Grouping
Estimate your NSW payroll tax with the $1.2M threshold, 5.45% rate, interstate wages apportionment and grouping rules. Sourced from Revenue NSW.
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Payroll Tax Calculator VIC 2025-26
Estimate Victorian payroll tax with the $1 million threshold, 4.85% metro and 4.95% regional rates, plus the phase-out for wages between $3m and $5m.
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QLD Payroll Tax Calculator 2025-26 (Mental Health Levy)
Work out your Queensland payroll tax with the $1.3M threshold, 4.75% rate, Mental Health Levy and regional employer discount for 2025-26.
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Division 293 Tax Calculator Australia 2025-26
Work out the extra 15% Division 293 super tax for high income earners. Combines taxable income, RFB, net loss and concessional contributions vs A$250,000.
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Working Holiday Tax Calculator AU 2025-26 (417/462)
Estimate tax for 417/462 working holiday makers: 15% on the first $45,000, marginal rates above, super guarantee and Medicare exemption explained.
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SAPTO & LITO Tax Offset Calculator AU 2025-26
Combine SAPTO, LITO and the tax-free threshold to find your effective tax-free income point including spouse SAPTO transfers for FY 2025-26. Sourced from the ATO.
Open - Tax & dutyNew
CGT Discount Calculator AU 2025-26 (50% Rule)
Estimate Australian capital gains tax with the 50% CGT discount, prior-year losses and your marginal rate for property, shares or other assets. Sourced from the ATO.
Open - Tax & dutyNew
Crypto Tax Calculator Australia 2025-26 (CGT)
Estimate Australian crypto capital gains tax with FIFO cost basis, the 12-month 50% CGT discount and your marginal rate for FY 2025-26. Sourced from the ATO.
Open - Tax & dutyNew
SA Payroll Tax Calculator 2025-26 (Reduced Rate)
Calculate SA payroll tax for FY 2025-26 with the $1.5M-$1.7M reduced 2.47% rate, 4.95% top rate and $600,000 deduction entitlement. Includes group and interstate apportionment.
Open - Tax & dutyNew
TAS Payroll Tax Calculator 2025-26
Work out Tasmania payroll tax for FY 2025-26 with the $1.25M threshold, 4% base rate and 6.1% upper rate above $2M, plus group and interstate apportionment.
Open - Tax & dutyNew
Work From Home Tax Deduction Calculator AU 2025-26
Compare the ATO 70c fixed rate method and actual cost method for work from home deductions in FY 2025-26, plus depreciating asset claims for desk, chair and laptop.
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FBT Novated Lease Calculator AU 2025-26
Compare statutory formula 20% and operating cost methods for FBT on novated leases in 2025-26, including ECM, PHEV transition and EV exemption.
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CGT 6 Year Rule Calculator AU (Main Residence)
Estimate CGT on a former main residence under the 6-year absence rule with day-count apportionment, the 50% discount and rule-reset on returning home.
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Medicare Levy Reduction Calculator AU 2025-26
Work out Medicare levy reduction or exemption for 2025-26 with the 10c shade-in formula, family thresholds and senior SAPTO bands.
Open - Tax & dutyNew
Second Job Tax Calculator AU 2025-26
Compare withholding and year-end tax for two jobs in 2025-26 with tax-free threshold strategy, HECS-HELP, Medicare levy and refund/shortfall projection.
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Instant Asset Write-Off Calculator AU 2025-26 ($20k)
Calculate the small business $20,000 instant asset write-off for 2025-26 with GST treatment, business-use apportionment and small business pool fallback.
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Everyday life
2Electricity, fuel, rent and the everyday costs of living in Australia.
- Everyday lifeNew
Long Service Leave Calculator NSW 2026
Work out NSW long service leave entitlements under the LSL Act 1955: full-time, part-time and casual continuous service plus pro-rata on termination after 5 years.
Open - Everyday lifeNew
Long Service Leave Calculator VIC 2026
Calculate Victorian long service leave under the LSL Act 2018: 7-year pro-rata, 1/60th-of-service formula, casual continuous service and termination payouts.
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Family
5Childcare subsidy, school fees and family budgeting tools.
- FamilyNew
Parental Leave Pay Calculator AU 2026 (130 Days)
Estimate your Parental Leave Pay days, total payment and super on PPL under the 1 July 2026 rules. Includes partner sharing, employer top-up and tax.
Open - FamilyNew
JobSeeker Payment Calculator AU 2026
Estimate your fortnightly JobSeeker Payment with single, partnered and parent rates, energy supplement and the personal and partner income tapers — rates effective from 20 March 2026.
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Commonwealth Rent Assistance Calculator AU 2026
Estimate Commonwealth Rent Assistance for 2026 with single, couple, sharer and family-type rates, the 75c taper above the minimum rent threshold and the maximum cap.
Open - FamilyNew
Family Tax Benefit Calculator AU 2025-26 (Part A & B)
Calculate Family Tax Benefit Part A and Part B for 2025-26 with the two-step income test, $80,000 supplement cap and shared care adjustments.
Open - FamilyNew
Child Care Subsidy Calculator AU 2025-26
Estimate Child Care Subsidy 2025-26 with the 3-Day Guarantee from 5 Jan 2026, hourly rate caps, higher CCS for 2nd+ children and the $10,896 cap.
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Guides that explain the numbers
All guidesNot just a calculator: we walk through how stamp duty differs across the states, how HECS-HELP repayments are worked out, and what the FY2025-26 thresholds actually mean — with the official sources linked.
- Tax & duty14 min read
Capital Gains 50% Discount: Holding Period Rules That Bite
The 50% CGT discount looks simple — own the asset for 12 months, halve the gain. The contract-date trap, the foreign resident exclusion, and three worked examples that show where the rule actually bites.
Read the guide - Tax & duty14 min read
HECS-HELP Repayment Thresholds Explained (FY2025-26)
How the FY2025-26 HECS-HELP repayment ladder actually works, why "Repayment Income" is broader than your salary, and the planned move to a marginal system from 1 July 2025.
Read the guide - Tax & duty14 min read
Medicare Levy Surcharge: When Private Cover Saves You Money
When does private hospital cover actually save you money against the Medicare Levy Surcharge? The income thresholds, family adjustments and three break-even worked examples for FY2025-26.
Read the guide - Tax & duty15 min read
Salary Sacrifice into Super: When It Pays Off (FY2025-26)
When does salary sacrifice into super beat keeping the cash? The marginal-rate maths, the SG-on-sacrifice protection rule, and three worked examples for FY2025-26.
Read the guide
Calculators that go beyond the headline number.
Big bank tools and ATO estimators give you the headline figure. Ozisuma handles the state splits, the first-home concessions, the foreign-purchaser surcharges and the off-the-plan rules — with the source rate cards quoted on every page.