Australian Financial Calculators
Free, fast and accurate calculators for the most common money decisions Australians face — built with current 2025–26 rates and tested logic. No sign-up. No fluff.
Whether you're working out monthly home loan repayments, checking how much an Australian lender will let you borrow, estimating stamp duty for any state, or seeing your take-home pay under the 2025–26 ATO brackets — every Calcula tool runs in your browser with no account required.
Mortgage Calculator
Estimate weekly, fortnightly or monthly home loan repayments and see total interest over the life of the loan.
Calculate repayments →Borrowing Capacity Calculator
Estimate your maximum home loan and check LVR/LMI cost using the standard APRA serviceability methodology.
Estimate capacity →Stamp Duty Calculator
Work out transfer duty for any Australian state or territory, including current first home buyer concessions.
Calculate stamp duty →Income Tax Calculator
See your income tax, Medicare levy and take-home pay using ATO 2025–26 brackets — annual, monthly and weekly.
Calculate tax →Debt Payoff Calculator
Add multiple debts and compare the snowball and avalanche methods. See months to debt-free and interest saved.
Plan payoff →HECS/HELP Calculator
Calculate your compulsory HECS/HELP repayment under the new 2025–26 marginal system. See years to clear and indexation impact.
Calculate HECS →Rent vs Buy Calculator
Compare the long-term cost of buying versus renting in Australia, including property growth and rental inflation.
Compare costs →Why Calcula
Calcula is built for Australians. Every calculator uses current Australian rates — ATO income tax brackets for 2025–26, state-by-state stamp duty schedules, and standard amortisation maths used by Australian lenders.
The tools are designed to give you a fast, useful estimate before you speak to a broker, accountant or financial adviser. They are not financial advice — see our disclaimer.
Common questions Calcula answers
- How much will my monthly mortgage repayment be? Use the mortgage repayment calculator to see weekly, fortnightly and monthly figures along with total interest over the life of the loan.
- How much can I borrow on my income? The borrowing capacity calculator applies the standard APRA serviceability methodology used by Australian banks.
- How much is stamp duty in NSW, Victoria or WA? The stamp duty calculator uses current schedules for every state and territory and applies first home buyer concessions automatically — see also our NSW stamp duty explained guide for worked examples.
- What's my take-home pay after tax? The income tax calculator shows the 2025–26 result including Medicare levy and the low-income offset — and our guide to the 2025–26 tax brackets walks through the schedule itself.
- How long until I clear my HECS debt? The HECS/HELP calculator models the new marginal repayment system and includes annual indexation.
- Snowball or avalanche? The debt payoff calculator compares both methods so you can see which clears your debts faster and which saves more interest.
- Is it cheaper to rent or buy? The rent vs buy calculator projects the long-term cost of each path with property growth and rental inflation factored in.
Latest from the Calcula blog
NSW stamp duty explained
The 2025-26 NSW transfer duty schedule, first home buyer concessions, and three worked examples for $750k, $1m and $1.5m purchases.
Read article →Australian tax brackets 2025-26
The full ATO bracket schedule for 2025-26, how the Medicare levy is applied, and the way the low-income offset phases in and out.
Read article →Stage 3 tax cuts in 2026
What changed in the revised Stage 3 cuts, and what they mean for take-home pay across different income bands — with worked examples.
Read article →