The numbers no one explains.
Three plain-English calculators for the things the ATO, your health fund and Services Australia make hard. See where you stand in about 60 seconds.
Most Australians have never checked these numbers.
Each calculator is free, takes about a minute, and shows the working — so you can see exactly where the number comes from.
Private health
The Medicare Levy Surcharge and Lifetime Health Cover loading interact in ways almost nobody understands — and getting it wrong is expensive.
HECS / HELP
The 2025–26 reform tore up the old cliff-edge thresholds. The new marginal system is barely understood — and it changes what you'll repay.
Childcare
The 3 Day Guarantee changed the rules in January. Plenty of families are on the wrong tier — and a reclaim window for past years is still open.
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.
Three calculators. About a minute each. See exactly where you stand.