Australian Financial Calculators
Check your take-home pay in seconds, then explore every calx.io calculator for pay, tax, property and super. Uses ATO 2026-27 rates.
Runs in your browser. No account needed. Your figures are not sent to a server. Rates current as at July 2026. Privacy · Sources
Quick pay check
The full calculator adds overtime, bonuses, allowances, deductions, salary sacrifice, novated leases, multiple jobs, pro-rata hours and detailed Medicare, HECS/HELP and super settings. Your figures carry across.
Start with your situation
Not sure which calculator? Pick what you are trying to work out.
All calculators
Every calx.io calculator is free, runs in your browser and uses current Australian rates.
Pay and work
- Pay CalculatorFull take-home pay: overtime, bonuses, multiple jobs, salary sacrifice and more.
- Shift and Penalty RatesTake-home pay from an hourly rate and roster with penalty and casual loadings.
- Pay RiseWhat a pay rise is worth after tax, Medicare and HECS/HELP.
- Job and Pay ComparisonTwo jobs or packages compared side by side on take-home pay.
- Novated LeaseTax saving and true cost of salary packaging a car, including electric cars.
- Redundancy PayoutRedundancy weeks, the tax-free amount and tax on the rest, down to a net payout.
- Long Service LeaveLeave built up in your state, what it may be worth and when you can take it.
Tax and HECS/HELP
Property
- Borrowing PowerHow much you could borrow, assessed the way lenders assess it.
- Home Loan RepaymentsRepayments, total interest, extra repayments and offset accounts.
- Stamp DutyStamp duty in every state and territory, with first home buyer concessions.
- Land TaxAnnual land tax by state, including company, trust and foreign owner rules.
Super and retirement
Saving and investing
Frequently asked questions
What is calx.io?
A set of free Australian financial calculators for pay and work, tax and HECS/HELP, property, super and saving. Each one is built around a single question, such as what your take-home pay is, what stamp duty you would pay in your state, or when a student debt is cleared. Rates come from published Australian Taxation Office and state revenue office material, and each calculator links to its sources.
Are the calculators free, and are there ads?
Every calculator is free to use in full, and there is no advertising anywhere on the site. There is no premium tier holding features back, and no account or email address is needed to get a result.
Do the figures I enter leave my browser?
The calculators run in your browser, so the salary, debts and other figures you type stay on your device and are not sent to a server or stored in a database. Two things are worth knowing: a share link encodes your inputs into the link itself, so anyone you send it to can see them, and anonymous page-level analytics record which pages are visited, never the numbers you enter.
Which financial years and Australian rules are covered?
The pay calculator and the job comparison cover the 2018-19 through 2026-27 financial years, including income tax, the Medicare levy and surcharge, HECS/HELP and superannuation. Other calculators cover the years and rules that suit them, so the tax return tracker starts at 2022-23, and stamp duty, land tax and long service leave follow each state and territory separately. Every calculator states what it uses.
How current are the rates, and is this financial advice?
Published rates and thresholds are reviewed against ATO and state revenue office sources, and each page shows the date the data was last checked. Figures you supply yourself, such as an expected investment return, are your assumptions rather than published rates. The results are estimates to help you understand your own numbers, not personal financial, tax or legal advice, and you should confirm anything that matters with the ATO or a qualified adviser.