Free, accurate, plain-English calculators for the money decisions Australians 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.
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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: NSW · VIC · QLD · WA · SA · TAS · ACT · NT.
Most Australian money questions come down to a few numbers: what a home will really cost once stamp duty is added, what your mortgage repayments would be, how much of a pay rise you actually keep, how much a bank will lend you, and how fast your savings can grow. These tools answer those questions directly, using current Australian rates and the standard formulas — and they explain the workings in plain English so you understand the result, not just see it.
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.