Free tools

Money tools for Australians. No signup. No fluff.

Run the numbers on your super, your savings, your mortgage and your pay packet — built for the ATO rules and rates Aussies actually face.

Superannuation projection

Project your super balance at retirement based on salary, employer contributions, returns and fees.

See how regular contributions and compounding grow your savings over time.

Estimate repayments, total interest and how much faster you'll pay off with extra payments.

Calculate your Australian income tax, Medicare levy, HECS and weekly take-home pay for FY25-26.

Estimate your ATO refund — or bill — for FY25-26 from your gross pay, PAYG withheld and deductions.

Estimate your compulsory HECS repayment and the year your HELP debt clears.

Work out CGT on shares, ETFs, crypto or property — with the 50% discount for assets held over a year.

See the drop in take-home pay vs. what lands in super after the 15% contributions tax.

Estimate transfer duty in NSW, VIC, QLD, WA, SA, TAS, ACT and NT — with first home buyer concessions.

Compare 10-year wealth from buying with a mortgage vs renting and investing your deposit.

Find your financial independence number, savings rate, and the year you could retire early.

Build a monthly budget from your take-home pay — toggle between the 50/30/20 rule and zero-based budgeting.