Australian tax & finance calculators

OzCalc is an independent set of calculators for Australian tax, property and super decisions. Every calculator publishes its full method: the formula, the current FY2026-27 rate tables it uses, and links to the government sources they come from — so you can check the working, not just trust a number.

How OzCalc works

Rates and thresholds are stored as versioned data with the official source and a last-verified date attached, and every calculation engine is tested against the source's own published figures before it ships. When rates change at 1 July or a state budget, the tables update and each affected page says so.

Tax

• Tax Calculator — Income tax, Medicare levy and take-home pay for FY2026-27, including the 1 July tax cut.
• Negative Gearing Calculator — Net rental loss or gain, the real tax saving at your marginal rate, and the true after-tax holding cost.
• Capital Gains Tax Calculator — Capital gain, losses applied before the 50% discount, and CGT payable at your marginal rate.
• HECS Repayment Calculator — Compulsory HECS/HELP repayment under the new marginal system, and a rough years-to-clear estimate.
• Salary Sacrifice Calculator — Net benefit of salary sacrificing into super: tax saved minus the extra contributions tax it costs.

Property

• Stamp Duty Calculator NSW — NSW transfer duty payable, effective rate, and the First Home Buyers Assistance Scheme exemption.
• Stamp Duty Calculator QLD — QLD transfer duty across the standard rate, home concession and first home concessions.
• Stamp Duty Calculator VIC — VIC land transfer duty across the general rate, PPR concession and first home buyer concession.
• Land Tax Calculator — Annual land tax for NSW, Victoria or Queensland side by side, from a taxable land value.
• LMI Calculator — Estimated upfront Lenders Mortgage Insurance premium and LVR, from Helia's own rate table.
• Offset Account Calculator — How much interest an offset account saves on a home loan, and how much sooner it is paid off.

Super & salary

• Super Contributions Calculator — Super guarantee contribution, concessional cap headroom, and contributions tax including Division 293.
• Novated Lease Calculator — The real annual cost of a novated lease car, the EV FBT exemption, and an honest loan comparison.