Updated for 2026–27
Free calculators for Australian tax, loans & benefits
Straight answers to the money questions Australians actually search for — take-home pay, HECS repayments, child care subsidy, family tax benefit, land tax, rental bonds and more. Every calculator shows the official rates it uses, and the date we last checked them.
Highlights
Know your HECS / HELP repayment before the ATO tells you
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Calculators
38 calculators, grouped. Every one shows the official rates it uses and the date we last checked them.
Pay & tax
What you actually take home
Take-home pay
Your pay after tax, the Medicare levy, the surcharge, HECS and salary sacrifice — with super shown on top.
Income tax
ATO rates, the 2% Medicare levy and your effective rate, bracket by bracket.
Tax brackets
Every resident bracket from 2022–23 to 2026–27, in the ATO’s own wording.
Medicare levy surcharge
Which ML S tier you are in, and what it costs if you have no hospital cover.
Superannuation
The 12% you do not see
Study loans
HECS, HELP and the rest
HECS / HELP repayment
Your compulsory repayment, and how long the debt takes to clear.
Repayment thresholds
Every repayment band for 2026–27, with the rate for each one.
Debt indexation
What indexation adds to the balance each year — and when it is applied.
Debt & borrowing power
How a HELP debt reduces what a lender will lend you.
All loan types
HELP, VET Student Loans, apprenticeships, Student Start-up Loans — and how each is collected.
Apprenticeship loans
The Australian Apprenticeship Support Loan, and the 20% discount for finishing.
Voluntary repayments
Paying extra on a study loan — what it changes, and why it is not deductible.
Family & child care
Payments, subsidies and tests
Child Care Subsidy
Your CCS percentage, subsidised hours, the cap applied and your gap fee.
CCS income thresholds
Every income band that changes your subsidy, standard and higher rates.
CCS hourly rate caps
The cap for each type of care, and how it works when your fee is higher.
CCS activity test
Whether you get 72 or 100 hours a fortnight — and the per-parent trap.
Family Tax Benefit
Part A and Part B together, including both income tests and the cut offs.
FTB Part A rates
The per-child rates, the supplement and both income tapers.
FTB Part B rates
The primary earner limit and the lower earner income test.
Property & renting
Investors, landlords and renters
Negative gearing
The tax saving from an investment property — and its real after-tax cost.
Property depreciation
Capital works at 2.5% or 4%, plus plant and equipment, with the ATO formulas.
Capital works deductions
Every rate, the 40 year rule and how it changes your CGT cost base.
Diminishing value vs prime cost
The two ATO depreciation methods, compared year by year.
Land tax
Thresholds, rates and payable amounts in every state that levies it.
Rental bond
The maximum bond in all 8 states and territories, from your weekly rent.
Centrelink & payments
What each payment actually pays
All payment rates
Every Centrelink rate we can verify, in one place, with the date each took effect.
Age Pension rates
The maximum for a single person and a couple, and both means tests that reduce it.
JobSeeker rates
Every basic rate — single, partnered, with children, 55 or over.
Rent Assistance
Work out your RA from your rent, using the 75 cent taper and current maximums.
Disability Support Pension
Paid at the common pension rates — with the same two means tests.
Carer payments
Carer Payment and Carer Allowance — two payments people constantly mix up.
Parenting Payment
The partnered rate, and why the single rate is not the Age Pension figure.
Youth Allowance
Every rate by age and living situation — living at home pays far less.
Austudy rates
The study payment for people 25 and over, including the special rate.
Pension supplement
Published per year, paid fortnightly — and the basic amount that changes everything.
Parental Leave Pay
Paid at the minimum wage, not your salary. What a given number of days comes to.
Why these calculators
Official rates, dated
Every figure comes from the ATO, Services Australia or the relevant state revenue office — and we show the date we last checked it. In Australia most of these numbers change on 1 July, so a stale calculator can quietly cost you money.
Built for the marginal system
From 2025–26 the ATO calculates study loan repayments using marginal rates. Many older calculators still apply a single rate to your whole income, which overstates what you owe. Ours does not.
Start here
If you have a HECS, HELP, VET Student Loan or other study and training support loan, the repayment calculator is the most useful place to start.