The numbers no one explains.
Plain-English calculators for the things the ATO, your health fund and Services Australia make hard — across tax, super, family payments and buying a home. Each takes about a minute and shows its working.
Most Australians have never checked these numbers.
Every calculator is free, takes about a minute, and shows the working — so you can see exactly where the number comes from.
Tax & income
HECS / HELP
Your compulsory study-loan repayment under the new FY26 marginal system.
Take-home pay
What actually lands in your account — and what a pay rise really adds once tax takes its cut.
Work-from-home deductions
The fixed-rate and actual-cost methods, compared side by side for your home-office claim.
Side & gig income
The tax to put aside on side or gig income, and when GST registration starts to apply.
Salary-packaging flow-on
How salary packaging moves the income-tested thresholds that drive your other entitlements.
Capital gains on a sale
The gain on a sale, the 50% discount where it applies, and the tax that follows.
Family & benefits
Childcare Subsidy
Estimate your Child Care Subsidy, and check a past year while the reclaim window is open.
Family Tax Benefit + CCS
Your estimated family payments — Family Tax Benefit alongside the Child Care Subsidy.
CCS withholding buffer
Your likely balancing position at tax time given the standard CCS withholding.
The “extra day”
What a second earner’s extra work day nets once income tax and the CCS taper are applied.
Rent Assistance
Your estimated Commonwealth Rent Assistance, based on your rent and household.
Super
Super you may be missing
Co-contribution, spouse offset and carry-forward room you may be eligible for.
Lost & duplicate super
The yearly fee drag of holding extra or duplicate super accounts.
Insurance in your super
Whether the default insurance-in-super rules apply to your account.
Buying a home
Stamp duty
Transfer duty and any first-home concession for your state.
First-home schemes
Which first-home grants and schemes you appear eligible for.
Lenders Mortgage Insurance
The indicative cost of Lenders Mortgage Insurance, and when it’s waived.
Borrowing power
An indicative borrowing estimate — and the invisible APRA levers behind it.
First Home Super Saver
What you could release under the First Home Super Saver scheme, and the tax effect.
True cost to buy
The all-in upfront cash to buy, itemised line by line.
Cost of living & debt
Electricity check
Your electricity plan against the regulated reference price.
Home battery rebate
The indicative federal battery discount and an estimated payback range.
Credit-card payoff
Months to clear, total interest, and the minimum-payment trap on a card balance.
No jargon. No login. No catch.
You stay in control the whole way through. We do the maths and show our working — you decide what to do with it.
Answer a few questions
The basics only — your age, income and situation. No account, no Tax File Number, nothing we don't need.
See your number, in plain English
We show the figure and exactly why it's that figure — with the ATO, APRA or Services Australia source it's based on.
See what to do next
A clear, do-it-yourself guide — plus a filled-in summary you can take to myGov or your fund. You press submit, not us.
We're open about how we make money.
The comparison sites make money by steering you. We don't. If you choose to take out cover through a comparison partner, they pay us a referral fee — it never changes your price, and you're never told what to buy.
How we make money →Information, not advice
We show you the facts and the sources. You make the call — we never tell you what to buy.
Transparent by default
If we'd earn a referral fee, we say so on the page before you click — and list options equally, never one "preferred" deal.
Your data stays yours
No TFN, no bank logins, the minimum details only — and every calculator works without an account.
Plain English, always
Real numbers, no fine-print traps, no fake urgency. If we can't explain it simply, we don't ship it.
Real rules. Real numbers. Often a real surprise.
The honest FAQ
Is it really free?+
Is this financial or tax advice?+
How exactly do you make money?+
Is my data safe?+
Are you affiliated with the ATO or Services Australia?+
Which calculator should I start with?+
Worth a check.
Free calculators. About a minute each. See exactly where you stand.