Private Health: LHC + MLS
Lifetime Health Cover loading and Medicare Levy Surcharge under FY26 ATO + APRA rules.
Start →Money Back Australia
A small set of calculators for the things the ATO, APRA, and Services Australia don't make easy: Lifetime Health Cover loading, Medicare Levy Surcharge, HECS repayment thresholds, and the Childcare Subsidy.
Educational tool. Not financial advice.
HECS repayment tracker
Your repayment under the 2025-26 marginal system — and when you cross the next band.
Start →Childcare Subsidy optimiser
CCS entitlement post-3-Day-Guarantee, plus backdated reclaim for FY23-24 and FY24-25.
Start →