Financial calculators for Australia — salary, income tax, take-home pay, savings, budgeting, loans, mortgages, and retirement, all in Australian dollars.
Effective from 2026-07-01 (current). The ATO publishes updated tax brackets and Medicare Levy low-income thresholds around Budget time each year, and thresholds are often indexed again shortly after. Secondary sources reported conflicting indexation amounts for FY2026-27 at the time this was last reviewed — re-verify the low-income thresholds specifically before trusting them for a new year.
Gross to Net Salary Calculator
Estimate your take-home pay from a gross salary, using real tax rules where available.
Net to Gross Salary Calculator
Find the gross salary needed to reach a target take-home pay.
Hourly Wage Calculator
Convert an hourly wage into an equivalent annual salary.
Income Tax Calculator
See how real progressive tax brackets add up to your total tax bill.
Take Home Pay Calculator
See your net pay per paycheck, based on how often you're paid.
Savings Goal Calculator
Check whether you're on track to hit a savings target by a set date.
Emergency Fund Calculator
Find your target emergency fund size and how long it'll take to build it.
Monthly Budget Calculator
See what's left over after expenses, and your savings rate.
Loan Calculator
See your monthly payment and total interest on any loan.
Mortgage Calculator
Estimate your monthly payment on a home loan.
Retirement Calculator
Project your savings balance at the age you want to retire.
Example questions people ask about Australia finances — tap one to jump straight to the calculator that answers it.
Understanding your Australian payslip
Gross pay, PAYG withholding, Medicare Levy, and superannuation explained simply.
Coming soonHow the Medicare Levy works
Who pays it, who's exempt, and how the surcharge differs.
Coming soonBuilding an emergency fund in Australia
How much to save, and where to keep it, for Australian households.
Coming soonYes — the Income Tax and salary calculators use real 2026-27 ATO resident tax brackets plus the Medicare Levy with its real low-income exemption and phase-in ('shade-in') zone. They do not model the Medicare Levy Surcharge, superannuation, or the Low Income Tax Offset (LITO).
