Free Australian Tax and Finance Calculators 2025/26

Australian Tax and Finance Calculators: Complete 2025/26 Guide

Whether you are calculating your income tax and Medicare levy, working out GST for a business invoice, estimating stamp duty on a property purchase, planning mortgage repayments or projecting your superannuation balance at retirement, our free Australian calculators give you instant answers based on official ATO 2025/26 rates. Every tool is built for Australian residents and updated each July when the new financial year begins.

Australia Income Tax Calculator: ATO Rates 2025/26

Australian income tax is calculated using a progressive tax bracket system. The more you earn, the higher the percentage you pay on income above each threshold. For 2025/26, the tax-free threshold is $18,200. Income from $18,201 to $45,000 is taxed at 16%, income from $45,001 to $135,000 is taxed at 30%, income from $135,001 to $190,000 is taxed at 37%, and income above $190,000 is taxed at 45%.

Most Australian residents also pay the Medicare levy, which is 2% of your taxable income. If you earn above $97,000 as a single person and do not have private hospital cover, you may also be liable for the Medicare Levy Surcharge of between 1% and 1.5%. The Low Income Tax Offset (LITO) reduces the tax payable for incomes up to $66,667, with a maximum offset of $700 for incomes at or below $37,500.

The Stage 3 tax cuts that came into effect from 1 July 2024 continue to apply in 2025/26. These changes reduced the 19% rate to 16% for incomes between $18,201 and $45,000, and reduced the 32.5% rate to 30% for incomes between $45,001 and $135,000, providing tax relief to most Australian workers.

Australia GST Calculator: Add or Remove 10% GST

The Goods and Services Tax (GST) in Australia is a flat rate of 10% applied to most goods and services. To add GST to a price, multiply the net amount by 1.10. For example, $500 multiplied by 1.10 gives $550 including GST. To remove GST from a gross amount, divide by 1.10. For example, $550 divided by 1.10 gives the original net price of $500.

Australian businesses with a GST turnover of $75,000 or more must register for GST. Once registered, you collect GST on your sales and report it through your Business Activity Statement (BAS). You can also claim credits for GST paid on business purchases. Some goods and services are GST-free, including fresh food, exported goods, health services and educational courses.

Australia Stamp Duty Calculator: All States and Territories

Stamp duty, also known as transfer duty or conveyance duty depending on the state, is a tax charged when you purchase property in Australia. The amount you pay depends on the purchase price of the property, the state or territory where the property is located, whether you are a first home buyer, and whether the property is your primary residence or an investment.

For a property purchased at $500,000 in New South Wales, stamp duty for a non-first-home buyer is approximately $17,029. In Victoria, the same property attracts approximately $21,970 in land transfer duty. First home buyers across most Australian states and territories benefit from significant stamp duty exemptions or concessions. In New South Wales, first home buyers purchasing an established home for up to $800,000 pay no stamp duty.

Australia Mortgage Repayment Calculator

The Australian mortgage repayment calculator helps you work out your weekly, fortnightly or monthly home loan repayments based on your loan amount, interest rate and loan term. Australian home loans are most commonly offered as 25 or 30 year loans with either a fixed rate for a set period or a variable rate that moves with the RBA cash rate.

To estimate your repayments on a $600,000 home loan at 6% interest over 30 years, the monthly repayment would be approximately $3,597. Over the full 30-year term, total repayments would be around $1,295,000, meaning you would pay approximately $695,000 in interest. Making extra repayments even in small amounts can significantly reduce the total interest paid.

Australia Superannuation Calculator: Plan Your Retirement

Superannuation is Australia's compulsory retirement savings system. Your employer is required to contribute 11.5% of your ordinary time earnings into your nominated super fund for 2025/26. This rate is scheduled to increase to 12% from 1 July 2025 as part of the legislated superannuation guarantee increase schedule.

You can grow your super balance faster by making voluntary concessional contributions (before-tax), which are taxed at 15% inside super and subject to the $30,000 annual concessional cap, or non-concessional contributions (after-tax) up to the $110,000 annual cap. The power of compounding over time means that even modest voluntary contributions made earlier in your career can add tens of thousands of dollars to your retirement balance.