Are these financial calculators free to use?

Yes. Every calculator on this page is completely free, with no sign-up, subscription, or hidden fees, and you can use them as many times as you need.

How accurate are the results?

Each calculator uses standard financial formulas, the same ones lenders and financial planners rely on, based on the numbers you enter. Results are estimates meant for planning and comparison; confirm final figures with your bank or lender before making a decision.

Which calculator should I use to plan a mortgage?

Start with the Mortgage Calculator for your monthly payment, use the House Affordability Calculator to check what price range fits your budget, and the Amortization Calculator to see how your loan balance decreases over time.

Australia Calculators - Superannuation, HECS-HELP & Medicare Levy

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Australia-Specific Calculators

3 calculators

Superannuation Calculator New HECS-HELP Calculator New Medicare Levy Calculator New

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Frequently Asked Questions

Are these calculators updated for the current financial year?

Yes, wherever figures are already legislated: the Superannuation Guarantee (12%) and HECS-HELP thresholds ($69,528 minimum repayment threshold) both use official 2026-27 ATO figures. The Medicare Levy calculator uses the latest ATO-confirmed thresholds (2025-26), since Medicare Levy low-income thresholds for a new financial year are typically only legislated partway through the following one.

What's the difference between HECS and HELP?

HECS-HELP is the loan scheme for Commonwealth-supported university places; HELP is the umbrella program that also includes FEE-HELP, VET Student Loans, and others. They all share the same compulsory repayment income thresholds and rates, so this calculator applies to any HELP debt, not just HECS-HELP specifically.

Is the Superannuation Guarantee rate going to increase further?

No further increases are currently legislated. The SG rate reached 12% on 1 July 2025 after the final step of a long-running schedule of annual increases, and stays at 12% for 2026-27.

🇦🇺 Australia Calculators