What is the Tasmania stamp duty calculator?

This Tasmania stamp duty calculator gives home buyers and property investors a quick estimate of the transfer duty that may apply when property changes hands in Tasmania. Enter the property’s dutiable value and the tool applies the general rate band that matches that amount.

The estimate is useful when you are building a purchase budget, comparing properties at different prices or checking how much cash may be needed in addition to a deposit. It is not a quote or an official assessment, but it can help you avoid looking at the sale price alone.

What is stamp duty in Tasmania?

Stamp duty in Tasmania is commonly used to describe the state tax charged on certain transactions. For a property purchase, the formal term is property transfer duty. The duty is generally based on the property’s dutiable value and is separate from the amount paid to the seller.

Transfer duty can be a significant upfront cost. A complete buying budget may also need to allow for conveyancing, registration, inspections, loan fees and any other costs that apply to the transaction. Those extra costs are not included in the result shown above.

How this Tasmania stamp duty calculator works

The calculator follows a simple process:

1. Enter the property purchase price or other relevant dutiable value.
2. The calculator finds the matching Tasmania duty band.
3. It adds the band’s base amount to the marginal duty charged above the lower threshold.
4. The result shows the estimated transfer duty and its effective percentage of the property value.

Tasmania’s rates are progressive. Moving into a higher band does not mean the highest rate is applied to the entire property value. Instead, the relevant base duty is used and the marginal rate applies to the amount above that band’s starting point. The formula charges for each $100, or part of $100, over the threshold.

Stamp duty rates Tasmania

The general stamp duty rates Tasmania uses for property transfers are shown below. These bands are for transfers on or after 21 October 2013 and are the rates used by this calculator.

When is Tasmania stamp duty paid?

For a standard dutiable transaction, duty is generally payable within three months after the liability arises. That legal deadline is different from the practical payment process: in an electronic conveyance, a representative prepares the duty estimate and the amount is commonly included in the financial settlement, then paid to the State Revenue Office at settlement. Some transactions or assessment arrangements may follow different steps, so your solicitor or conveyancer should confirm the deadline for your contract.

It is still sensible to estimate the duty before making an offer. Knowing the likely amount early can help you work out whether your available funds cover the deposit and other upfront costs as well as the purchase itself. The State Revenue Office electronic conveyancing guide explains the representative-led process.

First home buyers in Tasmania

The previous first home buyer duty exemption ended on 30 June 2026. Because eligibility rules and support programs can change, this calculator does not automatically subtract a first home buyer concession or exemption. It applies the general transfer duty rates shown above.

If you are buying your first home, check the current State Revenue Office Tasmania concessions and exemptions before relying on an estimate. Eligibility may depend on the transaction date, property type, value, occupancy requirements and other personal circumstances. A conveyancer can also help confirm which rules apply to your contract.

Frequently asked questions

What is the Stamp Duty Calculator ACT?

The Stamp Duty Calculator ACT estimates the conveyance duty that may apply when property is purchased in the Australian Capital Territory. Enter a property value, select whether the purchase is for owner occupation or investment, and the calculator applies the corresponding general rate schedule.

This estimate can help buyers account for a major upfront cost before making an offer or finalising a budget. The result includes duty only. It does not include registration, legal, lending, inspection or moving costs, and it does not automatically apply a concession or exemption.

How the calculator works

ACT stamp duty is calculated differently for owner-occupiers and non-owner-occupiers. The tool therefore asks for both the property price and purchase type. It then:

1. finds the rate band that contains the entered dutiable value;
2. uses the fixed duty amount at the start of that band;
3. adds the marginal charge for each $100, or part of $100, above the threshold; and
4. shows the estimated duty and the duty as a percentage of the entered value.

For a value above $1,455,000, both schedules use a flat rate of 4.54% on the entire value. Choosing the correct purchase type matters because the lower owner-occupier bands use different rates from the investor schedule.

Understanding conveyance duty in the ACT

ACT stamp duty is commonly used as the everyday name for conveyance duty. It is a tax connected with the transfer of property and is generally based on the dutiable value of the transaction. It is separate from the deposit and purchase price, so a buyer may need additional funds available at settlement.

The result is a planning estimate rather than an official assessment. The final conveyance duty ACT amount can depend on the transaction date, the correct dutiable value, how the property will be used and whether any concession or exemption applies.

Owner-occupier ACT stamp duty rates

Use these rates when the property will be occupied as the buyer’s home and the owner-occupier schedule applies.

Investor ACT stamp duty rates

The non-owner-occupier schedule applies when the purchase is not for owner occupation, including a standard investment property purchase.

Home Buyer Concession Scheme from 1 July 2026

From 1 July 2026, eligible buyers under the ACT Home Buyer Concession Scheme can pay no conveyance duty. The scheme has no income test and no property price cap from that date. Eligibility requirements still apply, so buyers should confirm that they meet the current rules before assuming a nil duty amount.

The calculator deliberately shows the general ACT stamp duty result and does not automatically reduce it to zero. This makes the general liability visible while keeping a concession claim separate from the calculation. If you expect to qualify, confirm your position with the ACT Revenue Office or your conveyancer.

Frequently asked questions

What is the Northern Territory stamp duty calculator?

The Stamp Duty Calculator Northern Territory estimates the conveyance duty that may apply to a property transfer in the NT. Enter the property’s dutiable value and the tool applies the general Territory Revenue Office formula for values up to $525,000 or the 4.95% rate for values from $525,001 to $3 million.

The result is designed for early budgeting. It helps buyers see how transfer duty can add to the cash needed for a purchase, but it is not an official assessment and does not include registration, conveyancing, finance or inspection costs.

How NT stamp duty is calculated

Northern Territory conveyance duty uses two different calculation methods across the main value range:

1. For a dutiable value up to $525,000, divide the value by 1,000 to find V, then use: duty = (0.06571441 × V²) + (15 × V).
2. From $525,001 to $3,000,000, duty is 4.95% of the full dutiable value.
3. For a value above $3 million, higher rates apply and an exact amount should be checked with the Territory Revenue Office.

The calculator automatically chooses the matching method. If the value exceeds $3 million, it does not guess an amount; it clearly directs the buyer to confirm the higher-rate calculation.

First home buyers and the HomeGrown Territory Grant

The Northern Territory does not provide a first home buyer stamp duty concession under the information used for this calculator. A first home buyer should therefore not reduce the estimated duty simply because it is their first purchase.

A separate $50,000 HomeGrown Territory Grant may be available for eligible new homes. The grant is not a stamp duty discount and is not subtracted from the calculator result. Eligibility, property and occupancy requirements should be checked separately before including a grant in a purchase budget.

What the estimate includes

The calculator includes only the general NT conveyance duty calculation for the entered value. It does not include title registration, legal or conveyancing fees, valuation costs, lender charges, inspections, insurance or adjustments at settlement. A complete buying budget should allow for these amounts separately.

Frequently asked questions

What is the South Australia stamp duty calculator?

The Stamp Duty Calculator South Australia estimates property transfer duty using the 2026–27 RevenueSA rate bands supplied for this tool. Enter the property’s dutiable value and choose either the general schedule or the eligible first home buyer treatment for a qualifying new home, off-the-plan home or vacant land purchase.

The calculator can help buyers compare properties and plan for an important upfront cost. It does not decide whether a buyer qualifies for relief and does not include registration, conveyancing, lending or inspection expenses.

South Australia stamp duty rates 2026–27

South Australian transfer duty is progressive. Each band has a base amount plus a charge for each $100, or part of $100, above the lower threshold.

How the South Australia calculator works

1. Enter the property’s dutiable value.
2. Select general rates unless you have confirmed eligibility for the first home buyer relief described below.
3. The tool finds the matching RevenueSA band and applies its base amount and marginal charge.
4. The result shows estimated duty and the effective percentage of the entered value.

First home buyer stamp duty relief in South Australia

An eligible first home buyer can pay no stamp duty when purchasing a new home, an off-the-plan home or vacant land on which a home will be built. Under the supplied 2026–27 information, there is no property price cap for this relief.

Established homes do not receive this first home buyer relief. Select the zero-duty option only after confirming that the buyer, property type, occupancy and transaction meet every current eligibility requirement. If eligibility is uncertain, use the general-rates result for a more cautious budget.

Frequently asked questions

What is the Queensland stamp duty calculator?

The Stamp Duty Calculator QLD estimates the transfer duty that may apply when property is transferred in Queensland. Enter the property’s dutiable value and the calculator finds the correct general rate band, adds the band’s base amount and applies the marginal charge above its lower threshold.

This tool is intended for early purchase planning. It can help a home buyer or investor include transfer duty in an upfront-cost budget rather than looking at the sale price alone. The result is an estimate, not an assessment, and it does not include legal fees, registration charges, inspections or finance costs.

How transfer duty is calculated in Queensland

Queensland uses progressive transfer duty bands. Moving into a higher band does not apply that band’s marginal rate to the full property value. Instead, the calculation starts with the base duty for the band and charges the listed amount for each $100, or part of $100, above the lower threshold.

1. Enter the property’s purchase price or other relevant dutiable value.
2. The calculator identifies the matching Queensland transfer duty band.
3. It adds the base duty and the marginal charge for the value above the threshold.
4. The result shows estimated general duty and its effective percentage of the property value.

QLD transfer duty rates

First home buyer concessions in Queensland

For contracts dated on or after 1 May 2025, an eligible first home buyer may receive a full transfer duty concession on a new home or vacant residential land, with no price cap under the supplied rules. Eligibility conditions still matter, including the buyer, property and occupancy requirements.

For an established home, an eligible first home buyer may pay no duty up to $700,000 and may receive a partial concession from $700,001 to $800,000. Because the exact concession depends on eligibility and details not collected by this calculator, the result above continues to show general duty. Buyers should confirm the concession before subtracting it from a budget.

What the estimate includes

The result includes only the general transfer duty produced by the listed Queensland rate bands. It does not assess first home buyer eligibility, apply a home concession, or include title registration, conveyancing, building and pest inspections, lender fees, mortgage insurance or settlement adjustments.

Frequently asked questions

What is the Western Australia stamp duty calculator?

The Stamp Duty Calculator WA estimates the transfer duty that may apply to a property purchase in Western Australia. Enter the dutiable value and the calculator applies the matching RevenueWA general rate band, including its base amount and the marginal charge above the band threshold.

The calculator is useful when comparing purchase prices or estimating how much money may be needed at settlement. It shows transfer duty only and does not replace an official assessment or include the other professional, registration and lending costs connected with a property purchase.

How WA transfer duty is calculated

Western Australia’s general transfer duty schedule is progressive. The first band charges $1.90 per $100 of value. Each later band begins with a fixed base amount and then adds a marginal charge for every $100, or part of $100, above its lower threshold.

1. Enter the property purchase price or another relevant dutiable value.
2. The calculator selects the matching WA general duty band.
3. It combines the band’s base duty with its marginal charge.
4. The result shows estimated transfer duty and its effective rate against the entered value.

WA transfer duty rates

First home buyer transfer duty in WA

For contracts dated on or after 7 May 2026, an eligible first home buyer may pay no transfer duty when the dutiable value is $600,000 or less. A partial concession may apply from $600,001 to $800,000.

The supplied thresholds apply across Western Australia, with the previous metropolitan and regional difference removed. The calculator does not automatically apply this relief because eligibility and the exact concession require transaction details beyond the property value. The general-rate estimate can be used as a cautious starting point until RevenueWA or a conveyancer confirms the concession.

What the estimate includes

The result includes only transfer duty under the listed WA general rate bands. It does not assess first home buyer status or include title registration, settlement agent or legal fees, property inspections, lender charges, mortgage insurance, moving costs or settlement adjustments.

Frequently asked questions

What is the Stamp Duty Calculator NSW?

The Stamp Duty Calculator NSW estimates transfer duty on a New South Wales property purchase. It applies the progressive 2026–27 bands supplied for contracts from 1 July 2026, including the premium rate above $3.87 million.

The estimate is useful for an early buying budget. It does not establish eligibility for an exemption or replace a Revenue NSW assessment.

How to use the NSW stamp duty calculator

1. Enter the property purchase price or dutiable value.
2. Select calculate to apply the matching NSW band.
3. Review the duty and effective rate.
4. Add conveyancing, registration, inspections and finance costs separately.

NSW stamp duty rates for 2026–27

First home buyer support in NSW

Under the supplied thresholds, an eligible first home buyer may pay no duty up to $800,000 and may receive a concession from $800,001 to $1,000,000. This calculator shows general duty because price alone cannot prove eligibility or determine every concession detail.

Benefits of estimating duty early

• Build a fuller deposit and settlement budget.
• Compare property prices using the same assumptions.
• See when a higher band changes the marginal charge.
• Prepare better questions for a conveyancer or Revenue NSW.

Frequently asked questions

Plan the full NSW purchase cost

Use the estimate as one line in a broader buying budget, then combine it with a mortgage repayment estimate and confirm the final amount before settlement.

What is the Stamp Duty Calculator VIC?

The Stamp Duty Calculator VIC estimates Victorian land transfer duty from a property’s dutiable value. Choose the general schedule or the supplied principal place of residence concession bands.

How to use the Victorian stamp duty calculator

1. Enter the property dutiable value.
2. Choose general or principal place of residence (PPR).
3. Calculate and review the duty and effective rate.
4. Confirm any first home buyer benefit separately.

VIC general and PPR rates

The general schedule applies 1.4% up to $25,000; $350 plus 2.4% above $25,000 to $130,000; $2,870 plus 6% above $130,000 to $960,000; 5.5% of the whole value from $960,001 to $2 million; and $110,000 plus 6.5% above $2 million.

For an eligible PPR, the supplied concessional formula is $2,870 plus 5% over $130,000 from $130,001 to $440,000, then $18,370 plus 6% over $440,000 to $550,000. Outside that range this tool applies the general schedule.

First home buyer thresholds

Under the supplied rules, an eligible first home buyer may receive a full exemption up to $600,000 and a concession from $600,001 to $750,000. This calculator does not apply that benefit because eligibility and the concession amount require more than the price alone.

Benefits of comparing rate types

• See the possible difference between general and PPR treatment.
• Budget beyond the deposit.
• Compare Victoria with NSW or Queensland.
• Take a clear estimate to a conveyancer.

Frequently asked questions

Check the estimate before settlement

Use this result for planning, pair it with the Mortgage Repayment Calculator Australia, and confirm the final assessment for your transaction.

What is GST in Australia?

Goods and services tax is a broad-based tax of 10% on most goods, services and other items sold or consumed in Australia. A GST-registered business generally includes GST in taxable sales and may claim credits for GST paid on eligible business purchases.

How to use the GST Calculator Australia

1. Enter the amount.
2. Choose GST included to remove GST from a total, or Before GST to add it.
3. Review the GST component and both price views.

How the GST calculation works

To add GST, multiply the exclusive price by 10%, then add it. To remove GST from an inclusive amount, divide by 11 to find the GST component. Dividing by 10 would be wrong because the inclusive total already contains the tax.

When GST does and does not apply

Most Australian sales are taxable, but some supplies are GST-free or input taxed. Common GST-free areas can include certain basic foods, health and education supplies, while examples of input-taxed supplies can include residential rent and some financial services. The exact treatment depends on the transaction.

Benefits of a GST breakdown

• Prepare or check invoices.
• Compare supplier prices consistently.
• Separate the tax component for bookkeeping.
• Avoid using the wrong divisor when removing GST.

Frequently asked questions

Use the right GST view

Choose inclusive when checking a retail total and exclusive when building a price before tax. For broader personal tax planning, use the PAYG Tax Calculator or HECS-HELP Repayment Calculator Australia.

What is superannuation?

Superannuation is a long-term retirement savings system. Employers generally pay a percentage of an eligible employee’s ordinary time earnings into a super fund, where the money is invested until a condition of release is met.

This Superannuation Calculator Australia projects a balance by combining the current account balance, 12% employer contributions, voluntary annual contributions and compound investment returns.

How to use the super calculator

1. Enter your current and planned retirement ages.
2. Add annual salary and current super balance.
3. Enter any voluntary yearly contribution.
4. Keep the 7% return assumption or test another long-term rate.
5. Compare projected balance, contributions and growth.

Super Guarantee rate and assumptions

The Super Guarantee rate is fixed at 12% from 1 July 2025 for this estimate. The rate rose gradually over time before reaching 12%, so historical employer contributions may have been lower. This projection assumes today’s salary remains constant and applies 12% each year until retirement.

The default 7% return is editable. It is a nominal assumption, not a forecast. The calculation adds annual contributions after applying the year’s return, so actual fund timing can differ.

Benefits of projecting super

• See how time and compounding affect retirement savings.
• Separate employer, voluntary and investment-growth components.
• Test a different retirement age or return assumption.
• Understand why early contributions can matter.

Salary sacrifice and voluntary contributions

Salary sacrifice can direct pre-tax pay into super under an arrangement with an employer. Tax treatment, contribution caps and personal circumstances matter. A dedicated salary sacrifice calculator is planned; this tool treats voluntary contributions as a simple annual amount and does not calculate contribution tax or take-home pay effects.

Frequently asked questions

Use a range, not one forecast

Run the calculation with conservative, middle and higher return assumptions. Then compare the projection with current fund information and consider qualified advice for a personal retirement plan.

The 2025–26 HELP system changed

From 2025–26, compulsory HELP repayments use a marginal calculation under the supplied rules. That means the rate is applied only to income above a threshold in the first two repayment bands. Many older calculators still show the former slab approach, which applied a percentage to total repayment income.

How to use the HECS-HELP repayment calculator

1. Enter annual repayment income, which can differ from taxable income.
2. Optionally enter the current HELP debt.
3. Calculate the compulsory repayment.
4. Review the estimated remaining debt, capped so the repayment cannot exceed the debt entered.

2025–26 marginal repayment rates

HELP debt indexation

The supplied 2025–26 indexation figure is 3.2%. Indexation is separate from the compulsory repayment calculation and is not added by this tool. Timing, the debt balance subject to indexation and legislative adjustments can affect the actual balance.

Benefits of using the current marginal method

• Avoid estimates based on outdated whole-income slabs.
• Plan take-home cash flow more accurately.
• See how a compulsory repayment may reduce a stated debt.
• Compare HELP obligations with estimated PAYG tax.

Frequently asked questions

Use the updated rules for 2025–26

A current threshold and method are essential. Recheck the rates each financial year, then combine the result with the PAYG Tax Calculator for a broader estimate.

What is a car loan calculator?

This Car Loan Calculator Australia uses the standard amortisation formula to estimate regular repayments on a vehicle loan. It also shows total interest and total repayments across the selected term.

How to use the car loan calculator

1. Enter the amount financed after any deposit or trade-in.
2. Add the annual interest rate.
3. Choose the term in years.
4. Select monthly, fortnightly or weekly repayments.
5. Compare the payment with total interest and cost.

Car loan formula

The calculation uses the same principal-and-interest amortisation formula as the Mortgage Repayment Calculator Australia. Each payment covers interest on the outstanding balance and reduces principal.

Australian car loan tips

• Compare the comparison rate, not only the headline rate, because eligible fees are reflected in it.
• Check whether a balloon or residual payment applies.
• Budget for registration, insurance, servicing and fuel as well as finance.
• Test a shorter term to see the trade-off between higher payments and lower interest.

Secured vs unsecured car loans

A secured car loan uses the vehicle as security and may offer a lower rate, but the lender can have rights over the vehicle after a default. An unsecured personal loan does not use the car as security, but can have a higher rate or different approval rules.

Frequently asked questions

Compare the whole loan cost

Do not judge finance by the periodic repayment alone. Review total interest, fees, any balloon and the vehicle’s running costs before choosing a loan.

What is a mortgage repayment calculator?

This mortgage repayment calculator Australia tool estimates regular principal-and-interest repayments on an Australian home loan. Enter the amount borrowed, annual interest rate, loan term and repayment frequency to see the payment for each period, the total interest paid over the loan and the total amount repaid.

It is useful when setting a home-buying budget, comparing loan rates or checking how a shorter term changes the long-run cost. The calculator gives a consistent estimate before lender fees, offset balances, extra repayments and rate changes. It can therefore help narrow down realistic options, but it is not a loan offer or borrowing-power assessment.

How to use the home loan repayment calculator

1. Enter the loan amount. Use the amount you expect to borrow, not the property purchase price. Subtract your deposit from the purchase price and add any costs that will be financed.
2. Add the annual interest rate. Enter the comparison rate only if you deliberately want to model it; otherwise use the advertised annual rate for a basic repayment estimate.
3. Choose the loan term. Australian home loans commonly run for 25 or 30 years, but a shorter term can reduce total interest while increasing each repayment.
4. Select monthly, fortnightly or weekly. The calculator converts the annual rate into the matching periodic rate and uses the corresponding number of payments.
5. Review the full result. Compare the repayment with your budget, then look at total interest and total repayments to understand the long-term cost.

Try changing one input at a time. For example, reduce the rate by 0.25 percentage points, shorten the term by five years or compare monthly and fortnightly schedules. A useful home loan repayment calculator is most informative when it is used for side-by-side scenarios rather than a single number.

Mortgage repayment formula explained

The calculator uses the standard amortisation formula for a principal-and-interest loan:

Each repayment contains interest and principal. Early in the loan, more of the payment generally goes toward interest because the outstanding balance is larger. As the principal falls, the interest portion usually declines and more of the same repayment reduces the balance.

Worked example: $500,000 mortgage at 6% for 30 years

For a $500,000 loan with a 6% annual interest rate and monthly repayments over 30 years, the periodic rate is 0.06 ÷ 12, or 0.005. The number of payments is 30 × 12, or 360.

Applying the formula gives an estimated monthly repayment of $2,997.75, usually rounded to about $2,998 per month. If the rate stayed at 6% for all 360 payments, the borrower would repay about $1,079,191 in total, including approximately $579,191 in interest. Real home loans can differ because rates change, interest may be calculated daily, fees may apply, and borrowers may use an offset account or make extra repayments.

Benefits of comparing mortgage repayments

• Set a more realistic buying budget. A property price becomes easier to assess when it is translated into a regular repayment.
• Compare interest rates. A small rate difference can materially change total interest across a long loan term.
• Test the effect of the loan term. A longer term usually lowers each repayment but can increase the total interest paid.
• Stress-test affordability. Recalculate at a higher rate to see whether the repayment would still fit your budget if variable rates rose.
• Understand the lifetime cost. The total repayment amount shows why the interest rate and term matter beyond the first monthly payment.

Frequently asked questions

Plan the repayment, not just the purchase price

A mortgage can run for decades, so the regular payment and total interest deserve as much attention as the property price. Use this calculator to compare realistic loan amounts, rates, terms and payment frequencies, then stress-test a higher rate before committing. For a complete buying budget, add the relevant stamp duty and other upfront costs, and confirm the final repayment with the lender.

What is the PAYG Tax Calculator?

The PAYG Tax Calculator estimates the annual income tax that may apply to Australian taxable income for the 2025–26 financial year. For Australian residents, it also estimates the Medicare levy and Low Income Tax Offset, then shows total tax and take-home pay by year, month, fortnight and week.

PAYG stands for Pay As You Go. Employers generally withhold amounts from salary or wages during the year and send them to the Australian Taxation Office. The withheld amount is a prepayment toward the employee’s final tax position, not a separate tax.

How PAYG withholding works

Your employer normally uses ATO withholding schedules and the information in your tax file number declaration to determine how much to withhold each pay cycle. At the end of the financial year, your income, deductions, offsets and tax already withheld are reconciled through the tax return process.

This calculator works from annual taxable income and is designed for planning rather than payroll processing. It does not model deductions, HELP repayments, salary packaging, superannuation, private health insurance adjustments, Medicare levy surcharge or every withholding declaration choice.

Australian resident income tax rates 2025–26

Medicare levy and LITO

For a single Australian resident under the supplied thresholds, the Medicare levy is fully exempt at taxable income up to $27,222. It shades in between $27,223 and $34,027, then reaches the standard 2% of taxable income. Family thresholds, seniors and pensioners, dependants and partial-year circumstances are not modelled.

The Low Income Tax Offset is up to $700 for taxable income of $37,500 or less. It reduces above that level and reaches zero at $66,668. LITO can reduce tax payable but does not create a cash refund by itself. Non-residents receive no tax-free threshold under the supplied rates and this calculator does not apply Medicare levy or LITO to them.

Non-resident tax calculation

For the non-resident option, the calculator applies 30% from the first dollar up to $135,000, 37% from $135,001 to $190,000, and 45% above $190,000. It applies no tax-free threshold, Medicare levy or LITO. Tax residency can be complex, so confirm your status before relying on a non-resident estimate.

Frequently asked questions

What this calculator estimates

Capital gains tax is not a separate flat tax. A taxable capital gain (the part of your profit added to taxable income) is generally included with your other income and taxed at your marginal rate (the tax rate on your next dollar of income). Eligible Australian individuals may reduce a gain by 50% after holding the asset for at least 12 months.

How to use it

1. Enter the amount received when the asset was sold.
2. Enter the purchase price and eligible costs, called the cost base (costs used to work out the gain).
3. Select whether the 50% discount applies and add an estimated marginal tax rate.
4. Review the taxable gain and estimated extra tax.

Worked example

A $700,000 sale less a $450,000 purchase price and $30,000 of eligible costs leaves a $220,000 gain. With the 50% discount, $110,000 is taxable. At a 30% marginal rate, the simple tax estimate is $33,000.

Benefits

• Separates the raw profit from the taxable amount.
• Shows the effect of the 12-month discount.
• Lets property and share investors test different cost and tax-rate assumptions.

Frequently asked questions

Conclusion

Use this estimate to understand the main CGT steps, then confirm the cost base, discounts and losses with a registered tax agent or the ATO.

What salary sacrifice means

Salary sacrifice means asking an employer to direct some pay into super before income tax is calculated. The sacrificed amount is usually taxed in the super fund at 15%, while the reduction in taxable salary can lower personal income tax.

How to use it

1. Enter annual salary before any sacrifice.
2. Enter the proposed annual amount sent to super.
3. Compare income tax before and after the sacrifice.
4. Check the net amount added to super and the reduction in take-home pay.

Worked example

On a $100,000 salary, sacrificing $10,000 reduces taxable salary to $90,000. Under 2025–26 resident rates, income tax falls by $3,000. The super fund deducts $1,500 contributions tax, so $8,500 reaches super and take-home pay falls by about $7,000 before other effects.

Benefits

• Shows the full tax trade-off instead of only the super contribution.
• Separates income tax saved from contributions tax.
• Helps compare different sacrifice amounts.

Frequently asked questions

Conclusion

Salary sacrifice can improve the amount saved for retirement, but contribution caps and personal tax circumstances matter. Confirm the arrangement with payroll and a qualified adviser.

How a personal loan works

A personal loan normally uses amortisation (repaying principal and interest together over time). Principal means the amount borrowed; interest is the lender’s charge. Each regular payment reduces the balance until the loan is repaid.

How to use it

1. Enter the amount you plan to borrow.
2. Add the annual interest rate and loan term.
3. Review the monthly payment and total interest.
4. Change one input to compare another offer.

Worked example

A $20,000 loan at 9.5% for five years requires about $420 per month. Across 60 payments, the borrower repays about $25,200, including roughly $5,200 in interest.

Benefits

• Shows the payment and full borrowing cost together.
• Makes shorter and longer terms easier to compare.
• Helps test an affordable loan amount before applying.

Frequently asked questions

Conclusion

Compare total cost, not only the monthly payment. Check the lender’s comparison rate, fees and contract before borrowing.

How credit card interest works

Credit card interest is usually calculated from the outstanding balance. This estimate applies one-twelfth of the annual rate each month, adds interest, then subtracts the fixed payment.

How to use it

1. Enter the current card balance.
2. Add the annual purchase interest rate.
3. Enter a fixed monthly payment above the first month’s interest.
4. Review the payoff time and total interest.

Worked example

A $5,000 balance at 19.99% with $250 paid each month takes about two years to clear and costs more than $1,000 in interest. Paying more each month shortens the payoff time.

Benefits

• Turns a monthly payment into an estimated debt-free date.
• Shows the cost of carrying a balance.
• Helps compare minimum-style payments with a faster plan.

Frequently asked questions

Conclusion

A fixed payment above the minimum can reduce both time and interest. Confirm the rate, fees and payment rules on your statement.

What the comparison shows

The calculator uses the standard amortising loan formula for each option. It separates repayment size from total interest, because the lowest monthly payment is not always the cheapest loan overall.

How to use it

1. Enter the common amount borrowed.
2. Add the rate and term for Loan A.
3. Add the rate and term for Loan B.
4. Compare payments, interest and total cost.

Worked example

For $30,000, a five-year loan at 7.5% has a lower monthly payment than a four-year loan at 8.2%, but the longer term can produce more total interest. The result makes that trade-off visible.

Benefits

• Compares rate and term together.
• Shows why a lower payment can still cost more.
• Supports quick what-if checks before requesting a quote.

Frequently asked questions

Conclusion

Use the estimate to shortlist options, then compare fees, features, repayment flexibility and the lender’s contract.

What compound interest means

Compound interest means growth is earned on the starting money and on earlier growth already added to the balance. Regular deposits can also earn returns after they are added.

How to use it

1. Enter a starting balance and monthly deposit.
2. Add an estimated annual return and time period.
3. Review the future balance, deposits and growth.
4. Change the rate or time to test another scenario.

Worked example

Starting with $10,000, adding $500 a month and earning 5% a year for 10 years produces an estimated balance above $90,000. The result includes $70,000 deposited plus compound growth.

Benefits

• Separates money contributed from growth.
• Shows how time affects compounding.
• Helps compare savings and investment scenarios.

Frequently asked questions

Conclusion

Compounding becomes more powerful with time and consistent deposits. Use several return assumptions rather than relying on one forecast.

What the calculator does

A savings goal is a target amount set for a future date. This tool grows current savings at the entered return, then finds the monthly deposit needed to close the remaining gap.

How to use it

1. Enter the target and current balance.
2. Add the years available and an estimated annual return.
3. Review the required monthly deposit.
4. Test a later date or different target if the deposit is too high.

Worked example

To reach $50,000 in five years from $10,000 at 4%, the current balance grows first, then regular monthly deposits fill the rest. The calculator solves the payment needed for exactly 60 months.

Benefits

• Turns a distant goal into one monthly amount.
• Credits the growth of money already saved.
• Makes target and timing trade-offs easy to test.

Frequently asked questions

Conclusion

Review the plan regularly and adjust the target, time or monthly deposit when rates or circumstances change.

What investment return means

Return on investment, or ROI, compares profit or loss with the total money put in. Annualised return converts the change into an average yearly rate, making investments held for different lengths of time easier to compare.

How to use it

1. Enter the starting value and any extra money added.
2. Enter the final value and number of years.
3. Review profit, total ROI and simplified annualised return.
4. Compare the result with fees, tax and investment risk.

Worked example

An investment starting at $20,000 with $5,000 later added and a final value of $32,000 has a $7,000 profit. The total return is 28% on $25,000 contributed.

Benefits

• Separates contributions from actual profit.
• Shows both total and yearly return estimates.
• Helps compare outcomes over different periods.

Frequently asked questions

Conclusion

Use ROI as one comparison measure, not a promise of future performance. Consider risk, fees, tax and cash-flow timing before making an investment decision.

How a mortgage offset works

An offset account is a bank account linked to a home loan. Interest is charged on the loan balance minus the offset balance, while the regular repayment still reduces the loan. This can cut interest and shorten the loan.

How to use it

1. Enter the loan amount, interest rate and remaining term.
2. Add the current offset balance.
3. Add any regular monthly amount you expect to keep in the offset.
4. Compare interest and payoff time with and without the offset.

Worked example

On a $500,000 loan at 6% over 30 years, a $30,000 offset immediately reduces the balance used to calculate interest. Keeping the normal repayment and adding $500 to the offset each month can save substantial interest and years.

Benefits

• Shows savings in both dollars and time.
• Compares total interest side by side.
• Models a growing offset balance.

Frequently asked questions

Conclusion

An offset can be valuable when a meaningful balance is maintained. Compare the saving with account fees and lender conditions.

NSW long service leave explained

The Long Service Leave Act 1955 (NSW) generally provides 8.6667 weeks after 10 years of continuous service, equal to about 0.8667 weeks per year. Eligibility and payout rules can depend on how employment ends.

How to use it

1. Enter completed years and extra months of continuous service.
2. Enter ordinary weekly hours and ordinary hourly pay.
3. Review accrued weeks, hours and estimated value.
4. Read the eligibility note before treating the estimate as payable.

Worked example

Ten years of service gives about 8.6667 weeks. At 38 ordinary hours a week, that is about 329.33 hours. At $35 an hour, the simple value is about $11,526.67.

Benefits

• Converts service into weeks, hours and dollars.
• Handles extra completed months.
• Shows when a pro-rata entitlement needs checking.

Frequently asked questions

Conclusion

Use this as a planning estimate, then confirm service, ordinary pay and termination rules with NSW Industrial Relations or a qualified adviser.

What 25% casual loading means

Casual loading is extra pay often added because casual workers do not receive some paid entitlements, such as paid annual leave and paid personal leave. A 25% loading adds one quarter of the base hourly rate.

How to use it

1. Enter the permanent-equivalent base rate.
2. Keep 25% or enter the loading in the applicable award or agreement.
3. Add hours worked.
4. Compare the result with a payslip or payroll calculation.

Worked example

A $30 base rate with 25% loading adds $7.50 per hour, giving $37.50 per hour. For 38 hours, gross pay is $1,425 before other items.

Benefits

• Useful for employees checking payslips.
• Useful for employers checking a basic roster cost.
• Shows the loading separately from base pay.

Frequently asked questions

Conclusion

Use the calculation as a quick payslip check, then confirm the base classification and loading in the correct award or agreement.

What 17.5% leave loading means

Annual leave loading is extra pay that may apply while annual leave is taken. A common rate is 17.5% of ordinary leave pay, but the right comes from an award, enterprise agreement or contract rather than a universal rule.

How to use it

1. Enter ordinary weekly pay.
2. Enter leave weeks; divide leave days by ordinary workdays per week if needed.
3. Keep 17.5% or enter the applicable rate.
4. Review base pay, loading and total pay.

Worked example

Four weeks at $1,500 gives $6,000 base leave pay. At 17.5%, loading is $1,050 and total leave pay is $7,050 before tax.

Benefits

• Separates ordinary leave pay from loading.
• Works for leave taken or a simple payout estimate.
• Supports different loading rates.

Frequently asked questions

Conclusion

Confirm the applicable award or agreement before relying on the estimate, especially for a termination payout.

What the estimate includes

The National Employment Standards, or NES (minimum national employment rights), set a redundancy scale based on completed years. Notice pay follows a separate service scale, with an extra week for an employee aged 45 or over who has at least two years of service.

How to use it

1. Enter base salary, service and age.
2. Add the dollar value of unused annual and long service leave.
3. Select genuine redundancy and preservation-age status.
4. Review each component, estimated ETP tax and net total.

Worked example

Six completed years gives 11 weeks of NES redundancy pay. Notice is four weeks, plus one extra week for someone aged 45 or over with at least two years. A genuine 2025–26 redundancy has a tax-free limit of $13,100 plus $6,552 per completed year.

Benefits

• Separates redundancy, notice and leave.
• Applies the unusual drop from 16 weeks at 9–10 years to 12 weeks at 10 years or more.
• Shows the 2025–26 genuine redundancy tax-free formula and an ETP estimate.

Frequently asked questions

Conclusion

Use this estimate to review the parts of an offer, not as a final payroll calculation. Confirm tax and entitlements with Fair Work, payroll and a registered tax adviser.