Calculators & Tools
A collection of free, easy-to-use calculators to help you with your finances.
Salary & Pay
“Are You Underpaid?” Wage Checker Tool
Benchmark your salary against industry standards to see if you are being paid fairly. Essential for pay negotiations and career planning.
401(k) vs Super Comparison (for expats)
For US expats in Australia, this tool compares a 401(k) against Superannuation to help you make informed retirement savings decisions.
After-Tax Pay by State Calculator
Calculate your take-home pay after federal taxes and levies, and understand how state-based costs affect your bottom line.
Age Pension Eligibility Estimator
Estimate your eligibility for the Australian Age Pension based on your income, assets, and living situation.
Annual Raise Projection
Forecast your future salary and earnings based on an expected annual percentage increase to visualize your long-term income growth.
Bonus After Tax Calculator
Calculate the net amount of a bonus payment you receive after all applicable taxes and deductions have been withheld.
Budget-to-Salary Ratio Visualizer
Visualize your budget against your salary to see where your money is going and identify opportunities to save.
Career Progression Estimator
Model your potential salary growth over your entire working life, from starting your career to retirement, factoring in promotions and career changes.
Casual Loading Calculator
Calculate your casual loading, the extra amount paid to casual employees on top of their base hourly rate to compensate for lack of permanent benefits.
Commission Pay Calculator
Calculate your earnings from commission-based pay, a variable compensation where you earn a percentage of the sales or deals you generate.
Concessional vs Non-Concessional Contribution Estimator
Track your super contributions against the caps to maximise your retirement savings and avoid extra tax.
Freelancer / Contractor Pay Estimator
Translate your day rate into an annual salary, accounting for expenses, super, and unpaid leave to find your true income.
Future Value of Pay Rise Tool
See how investing your pay rise can lead to significant wealth. Understand the long-term impact of compounding.
Gender Pay Gap Calculator
Illustrate the gender pay gap by comparing the average earnings of men and women in the workforce.
HECS Repayment Calculator
Calculate your compulsory HECS-HELP student loan repayment amount based on your income.
Hourly to Annual Salary Calculator
Convert your hourly wage to an annual salary to better understand your income and budget for the long term.
Hourly Value Calculator
Calculate your 'real' hourly wage, which accounts for unpaid overtime and commute time to reveal what you truly earn per hour.
Income Growth Over Time Calculator
Project your income growth over time, factoring in raises and promotions.
Income Growth Projection Calculator
Forecast your salary growth over time with expected raises and promotions to visualize your future earnings.
Inflation Impact on Salary Visualizer
Visualize how inflation erodes your salary’s purchasing power over time, even with pay rises.
Job Comparison Calculator
Holistically assess two different job offers by comparing not just salary, but also benefits, commute costs, and other financial factors.
Leave Loading Calculator
Calculate your 17.5% leave loading entitlement on top of your annual leave pay to know your holiday earnings.
Low & Middle Income Tax Offset (LMITO) Checker
Check your eligibility for the historical Low and Middle Income Tax Offset for the 2021-22 income year.
Medicare Levy Calculator
Calculate your 2% Medicare levy and check if you are eligible for a reduction or exemption based on your income.
Minimum Wage Tracker
Check the current National Minimum Wage in Australia and understand the minimum pay you are entitled to.
Net Worth Calculator
Get a clear snapshot of your financial health. Track your assets, liabilities, and progress towards your wealth goals.
Overtime Pay Calculator
Calculate your overtime earnings based on Australian award rates. Ensure you're paid correctly for every extra hour worked.
Pay Frequency Converter
Seamlessly convert your pay between hourly, weekly, fortnightly, monthly, and annual rates to compare job offers and manage your budget.
Pay Rise After Tax Calculator
Discover the real financial impact of a salary increase by calculating your after-tax pay rise. Essential for negotiation and budgeting.
PAYG Variation Estimator
For property investors and those with large deductions. Estimate how you can vary your PAYG withholding to improve your annual cash flow.
PAYG Withholding Calculator (ATO-aligned)
Estimate the tax (PAYG) to be withheld from your pay based on ATO guidelines. Essential for employees and employers.
Penalty Rates Calculator
Calculate the higher pay rates you are entitled to for working on weekends, public holidays, or other unsociable hours in Australia.
Public Holiday Pay Calculator
Understand your entitlements for working on a public holiday, including penalty rates and paid days off.
Raise Request Calculator
Quantify and justify a request for a salary increase by calculating the impact of a raise and comparing it to inflation.
Salary Converter
Translate your income between different pay periods, such as hourly, daily, weekly, and annually, to easily compare offers and manage your budget.
Salary Negotiation Email Generator
Craft a professional and persuasive email to request a pay rise or negotiate a better salary offer with confidence.
Salary Sacrifice Calculator
Calculate the tax benefits of salary sacrificing into superannuation or other benefits to reduce your taxable income.
Salary Sacrifice Optimizer
Find the sweet spot for salary sacrificing to super or a novated lease to maximize your tax savings and overall wealth.
Second Job Tax Impact Calculator
Thinking of a second job? Calculate the significant tax impact to discover your true take-home pay from the extra work.
Shift Work Pay Calculator
Calculate your total earnings for working shifts outside of standard daytime hours, including shift loadings and allowances.
Side Hustle Calculator
Estimate the after-tax income from a second job or side hustle in Australia, where it is taxed at your highest marginal rate.
Side Income Tracker
Manage your side hustle finances. Track multiple income streams and expenses to see your real profitability and prepare for tax time.
Super Fees Impact Calculator
See the powerful long-term impact of super fees on your retirement savings. Compare funds and find out how much you could save.
Super Growth Comparison Tool
Compare two super funds side-by-side. Project their future growth based on fees and returns to choose the best one for you.
Super Lump Sum Withdrawal Estimator
A retirement-focused tool for estimating super lump sum withdrawals.
Super vs ETF Investing Tool
Super or ETFs? Compare the long-term growth of investing in superannuation versus an ETF to make the smartest choice for your goals.
Superannuation Calculator
Project the future value of your superannuation to see how your retirement savings will grow over time.
Take-Home Pay Calculator
Calculate the amount of money you receive in your bank account after all deductions have been withheld from your gross pay.
Take-Home Pay vs Minimum Wage Checker
Compare your take-home pay to the national minimum wage to get perspective on your earnings.
Transition to Retirement (TTR) Calculator
Ease into retirement while boosting your super. See if a Transition to Retirement (TTR) strategy could work for you.
Weekly vs. Fortnightly Pay Calculator
Compare two job offers with the same annual salary but different pay frequencies to understand the impact on your cash flow.
Work-from-Home Tax Deduction Estimator
Working from home? Estimate your potential tax deduction for home office expenses and maximize your tax refund.
Career & Jobs
Annual Raise Projection
Forecast your future salary and earnings based on an expected annual percentage increase to visualize your long-term income growth.
Career Change ROI Tool
Analyze the financial viability of a career change. This tool helps you estimate the return on investment by comparing your old salary to your new potential, factoring in training costs and time.
Career Progression Estimator
Model your potential salary growth over your entire working life, from starting your career to retirement, factoring in promotions and career changes.
Cost of Quitting Job Calculator
Calculate the total financial impact of leaving your current role, especially when you don't have another job lined up.
Cost of Switching Jobs Calculator
Evaluate the true financial impact of switching jobs by considering factors like salary, benefits, and career growth.
Income Growth Over Time Calculator
Project your income growth over time, factoring in raises and promotions.
Raise Request Calculator
Quantify and justify a request for a salary increase by calculating the impact of a raise and comparing it to inflation.
Salary Negotiation Email Generator
Craft a professional and persuasive email to request a pay rise or negotiate a better salary offer with confidence.
Lifestyle
Budget Planner (Simplified)
Create a simple budget to track your income and expenses. Take control of your finances and start saving.
Budget-to-Salary Ratio Visualizer
Visualize your budget against your salary to see where your money is going and identify opportunities to save.
Commute vs WFH Savings Calculator
Calculate the significant financial savings of working from home by quantifying avoided daily costs.
Cost of Living Calculator
Compare the cost of living between two cities to understand how much you would need to earn to maintain your current standard of living.
Living Wage Calculator (Australia)
Estimate the weekly living wage for your capital city to understand the income required to meet basic living standards.
Relocation Cost Estimator
Estimate the cost of moving between cities or interstate, including transport, packing, and temporary housing.
Rent Affordability Calculator
Determine a sustainable rental budget based on your income using the common 30% rule to avoid rental stress.
Rent vs Buy Affordability Calculator
Compare the long-term financial implications of renting versus buying a home in Australia. This tool helps you make an informed decision based on your income, savings, and market conditions.
Savings Rate Calculator
Calculate the percentage of your income you’re saving and project how your savings will grow over time.
Work From Home Savings Calculator
Estimate the money you can save by working from home instead of commuting, factoring in transport, food, and other costs.
Work Hours to Lifestyle Cost Visualizer
Reframe the cost of purchases into the hours of your life required to earn them. A powerful tool for mindful spending.
Work-from-Home Tax Deduction Estimator
Working from home? Estimate your potential tax deduction for home office expenses and maximize your tax refund.
Tax & Finance
After-Tax Pay by State Calculator
Calculate your take-home pay after federal taxes and levies, and understand how state-based costs affect your bottom line.
Bonus After Tax Calculator
Calculate the net amount of a bonus payment you receive after all applicable taxes and deductions have been withheld.
Career Change ROI Tool
Analyze the financial viability of a career change. This tool helps you estimate the return on investment by comparing your old salary to your new potential, factoring in training costs and time.
Commute Cost Calculator
Quantify the financial and time expenses associated with traveling to and from your workplace to understand the true cost of your commute.
Commute vs WFH Savings Calculator
Calculate the significant financial savings of working from home by quantifying avoided daily costs.
Concessional vs Non-Concessional Contribution Estimator
Track your super contributions against the caps to maximise your retirement savings and avoid extra tax.
Cost of Living Calculator
Compare the cost of living between two cities to understand how much you would need to earn to maintain your current standard of living.
Cost of Quitting Job Calculator
Calculate the total financial impact of leaving your current role, especially when you don't have another job lined up.
Cost of Switching Jobs Calculator
Evaluate the true financial impact of switching jobs by considering factors like salary, benefits, and career growth.
Debt-to-Income (DTI) Ratio Calculator
Calculate your DTI ratio, a key financial metric that compares your total monthly debt payments to your gross monthly income.
Emergency Fund Calculator
Determine how much you need to save in your emergency fund to cover unexpected financial shocks, like a job loss or medical bills.
Employee Cost to Company Calculator (CTC)
For employers: calculate the total cost of an employee, including salary, super, and other on-costs.
Future Value of Pay Rise Tool
See how investing your pay rise can lead to significant wealth. Understand the long-term impact of compounding.
HECS Repayment Calculator
Calculate your compulsory HECS-HELP student loan repayment amount based on your income.
Income-to-Expense Ratio Tool
Get a clear picture of your financial health. This tool calculates your income-to-expense ratio, helping you understand where your money is going and identify opportunities to improve your savings.
Low & Middle Income Tax Offset (LMITO) Checker
Check your eligibility for the historical Low and Middle Income Tax Offset for the 2021-22 income year.
Medicare Levy Calculator
Calculate your 2% Medicare levy and check if you are eligible for a reduction or exemption based on your income.
Net Worth Calculator
Get a clear snapshot of your financial health. Track your assets, liabilities, and progress towards your wealth goals.
Pay Frequency Converter
Seamlessly convert your pay between hourly, weekly, fortnightly, monthly, and annual rates to compare job offers and manage your budget.
Pay Rise After Tax Calculator
Discover the real financial impact of a salary increase by calculating your after-tax pay rise. Essential for negotiation and budgeting.
PAYG Variation Estimator
For property investors and those with large deductions. Estimate how you can vary your PAYG withholding to improve your annual cash flow.
PAYG Withholding Calculator (ATO-aligned)
Estimate the tax (PAYG) to be withheld from your pay based on ATO guidelines. Essential for employees and employers.
Rent Affordability Calculator
Determine a sustainable rental budget based on your income using the common 30% rule to avoid rental stress.
Retirement Income Simulator
Estimate your annual income in retirement based on your super balance, contributions, and investment strategy.
Salary Sacrifice Calculator
Calculate the tax benefits of salary sacrificing into superannuation or other benefits to reduce your taxable income.
Salary Sacrifice Optimizer
Find the sweet spot for salary sacrificing to super or a novated lease to maximize your tax savings and overall wealth.
Savings Rate Calculator
Calculate the percentage of your income you’re saving and project how your savings will grow over time.
Second Job Tax Impact Calculator
Thinking of a second job? Calculate the significant tax impact to discover your true take-home pay from the extra work.
Side Hustle Calculator
Estimate the after-tax income from a second job or side hustle in Australia, where it is taxed at your highest marginal rate.
Side Income Tracker
Manage your side hustle finances. Track multiple income streams and expenses to see your real profitability and prepare for tax time.
Super Fees Impact Calculator
See the powerful long-term impact of super fees on your retirement savings. Compare funds and find out how much you could save.
Superannuation Calculator
Project the future value of your superannuation to see how your retirement savings will grow over time.
Take-Home Pay Calculator
Calculate the amount of money you receive in your bank account after all deductions have been withheld from your gross pay.
Time to Retire Calculator
Estimate how many years it will take you to achieve financial independence and be able to retire based on your savings rate.
Work From Home Savings Calculator
Estimate the money you can save by working from home instead of commuting, factoring in transport, food, and other costs.
Work-from-Home Tax Deduction Estimator
Working from home? Estimate your potential tax deduction for home office expenses and maximize your tax refund.
Awards & Workplace Entitlements
Leave & Redundancy
Annual Leave Payout Calculator
Estimates the value of your accrued annual leave that would be paid out upon termination of employment.
Carer’s Leave Entitlement Estimator
A niche but valuable tool for estimating carer’s leave entitlements.
Leave Loading Calculator
Calculate your 17.5% leave loading entitlement on top of your annual leave pay to know your holiday earnings.
Long Service Leave Calculator (per state)
Calculates long service leave entitlements, which can vary significantly between states and territories.
Notice Period Entitlement Checker
Helps both employees and employers understand the minimum required notice period for termination.
Parental Leave Pay Calculator
Calculates parental leave payments based on the government’s Paid Parental Leave Scheme.
Personal/Sick Leave Accrual Calculator
Shows how much personal and sick leave you are entitled to and how it accrues over a year.
Redundancy Pay Calculator
Estimates redundancy payouts based on years of service, a critical tool during corporate layoffs.
Unpaid Leave Cost Estimator
Calculates the financial impact of taking unpaid days off from work.
Superannuation & Retirement
401(k) vs Super Comparison (for expats)
For US expats in Australia, this tool compares a 401(k) against Superannuation to help you make informed retirement savings decisions.
Age Pension Eligibility Estimator
Estimate your eligibility for the Australian Age Pension based on your income, assets, and living situation.
Concessional vs Non-Concessional Contribution Estimator
Track your super contributions against the caps to maximise your retirement savings and avoid extra tax.
Pay Frequency Converter
Seamlessly convert your pay between hourly, weekly, fortnightly, monthly, and annual rates to compare job offers and manage your budget.
Retirement Income Simulator
Estimate your annual income in retirement based on your super balance, contributions, and investment strategy.
Salary Sacrifice Calculator
Calculate the tax benefits of salary sacrificing into superannuation or other benefits to reduce your taxable income.
Salary Sacrifice Optimizer
Find the sweet spot for salary sacrificing to super or a novated lease to maximize your tax savings and overall wealth.
Super Fees Impact Calculator
See the powerful long-term impact of super fees on your retirement savings. Compare funds and find out how much you could save.
Super Growth Comparison Tool
Compare two super funds side-by-side. Project their future growth based on fees and returns to choose the best one for you.
Super Lump Sum Withdrawal Estimator
A retirement-focused tool for estimating super lump sum withdrawals.
Super vs ETF Investing Tool
Super or ETFs? Compare the long-term growth of investing in superannuation versus an ETF to make the smartest choice for your goals.
Superannuation Calculator
Project the future value of your superannuation to see how your retirement savings will grow over time.
Time to Retire Calculator
Estimate how many years it will take you to achieve financial independence and be able to retire based on your savings rate.
Transition to Retirement (TTR) Calculator
Ease into retirement while boosting your super. See if a Transition to Retirement (TTR) strategy could work for you.
Employment & Financial Planning
Break-Even Salary Calculator
Shows the minimum salary needed to cover living costs.
Employee Cost to Company Calculator (CTC)
For employers: calculate the total cost of an employee, including salary, super, and other on-costs.
Freelance Hourly Rate Estimator
An SEO crossover tool with Upwork/freelancer intent to estimate freelance hourly rates.
Income Growth Over Time Calculator
A great tool for the "projected income" keyword group to calculate income growth over time.
Inflation-Adjusted Salary Calculator
A timely tool for 2024–2025 with cost-of-living pressures to calculate inflation-adjusted salary.
Raise ROI Calculator
Shows the percentage return of an extra salary vs. inflation.
Recruitment Cost Estimator
A tool for HR traffic and business crossover to estimate recruitment costs.
Educational & Comparison Tools
“Are You Underpaid?” Wage Checker Tool
Benchmark your salary against industry standards to see if you are being paid fairly. Essential for pay negotiations and career planning.
Inflation Impact on Salary Visualizer
Visualize how inflation erodes your salary’s purchasing power over time, even with pay rises.
Job Comparison Calculator
Holistically assess two different job offers by comparing not just salary, but also benefits, commute costs, and other financial factors.
Take-Home Pay vs Minimum Wage Checker
Compare your take-home pay to the national minimum wage to get perspective on your earnings.
Work Hours to Lifestyle Cost Visualizer
Reframe the cost of purchases into the hours of your life required to earn them. A powerful tool for mindful spending.
Mortgages & Loans
Loan Repayment from Salary
Clearly see how a personal loan will impact your budget. This calculator shows the effect of loan repayments on your weekly, fortnightly, or monthly take-home pay.
Mortgage Affordability (Income-based)
Determine the maximum home loan you can comfortably afford based on your income, expenses, and current interest rates, empowering you to house hunt with confidence.
Rent vs Buy Affordability Calculator
Compare the long-term financial implications of renting versus buying a home in Australia. This tool helps you make an informed decision based on your income, savings, and market conditions.
Interactive Tools
Budget-to-Salary Ratio Visualizer
Visualize your budget against your salary to see where your money is going and identify opportunities to save.
Career Change ROI Tool
Analyze the financial viability of a career change. This tool helps you estimate the return on investment by comparing your old salary to your new potential, factoring in training costs and time.
Income-to-Expense Ratio Tool
Get a clear picture of your financial health. This tool calculates your income-to-expense ratio, helping you understand where your money is going and identify opportunities to improve your savings.
Salary Negotiation Email Generator
Craft a professional and persuasive email to request a pay rise or negotiate a better salary offer with confidence.