plainmoneyThe nitty-gritty of property, stocks & money for everyday Australians

Finance calculators

Free, accurate, plain-English calculators for the money decisions people actually make — no sign-up, no spam. Each one shows you exactly how the numbers are worked out, and remembers your inputs for next time.

The straight answer

Twelve free calculators — stamp duty in every state, mortgage, tax, borrowing power, neutral gearing, super, compound interest — with the workings shown, not hidden. Everything runs in your browser; nothing you type is sent anywhere.

What Can I Afford?Income and deposit in → your borrowing power, a realistic price range, the all-in cash to get the keys, and the monthly repayment — in one live panel. Your Path to BuyingEvery step from deposit to settlement on one page — pre-approval, search, due diligence, offer — each one expands with what to do and what it costs. Equity Over TimeWatch your equity build over 10–30 years as the loan shrinks and the property grows — the long game of property, visualised. Stamp Duty CalculatorTransfer duty in any state or territory, including first-home-buyer concessions and the total upfront cash you'll need. Mortgage Repayment CalculatorRepayments, total interest and payoff time — with extra repayments, an offset, and a "what if rates move?" slider. Income Tax & Take-Home PayYour real take-home pay for 2025-26 and 2026-27, including Medicare levy, HECS/HELP and the upcoming tax cut. Borrowing Power CalculatorHow much you could borrow, stress-tested at the APRA buffer, with a debt-to-income check. Neutral Gearing CalculatorThe loan size where a bank treats an investment property as self-funding — the point it stops dragging your borrowing power. Compound Interest & Savings GoalSee your savings grow over time — or how long it'll take to save a house deposit. Mortgage vs InvestingExtra repayments, the offset, or shares? The same spare dollars compared side by side, after tax — at assumptions you control. Franking Credits CalculatorGross-up, tax at your marginal rate and the refund or top-up on dividends — what a franked dividend is actually worth to you. Salary Sacrifice Super CalculatorHow much tax you save putting pre-tax pay into super, what it costs your take-home — with cap and Division 293 warnings built in.

Stamp duty by state & territory

Each state and territory has its own duty rates and first-home-buyer concessions. Jump straight to yours for the exact rates, worked examples and the official source:

Tax deductions — what you can claim

Plain-English, ATO-based guides to work-related deductions, with a printable checklist for each job:

Why these calculators

Most money questions come down to a few numbers. These tools answer them directly, using current rates and the standard formulas — and they explain the workings in plain English so you understand the result, not just see it.

The point: everything runs in your browser — nothing you type is sent anywhere.

What happens to your data

They're built to be useful, not to harvest your details: everything runs in your browser, nothing is sent anywhere, and your last inputs are saved on your own device so you can pick up where you left off.

General information only — these are estimates, not financial, tax, credit or legal advice. Confirm important figures with the ATO, your lender, or the relevant state revenue office.