Plan your money with clarity and confidence.
Free, accurate calculators built for Australian rules — including the 15% super contributions tax, Medicare Levy thresholds, LITO, HELP/HECS repayments, and Age Pension estimates. Generate a personalised wealth report or chat with our rules-based financial assistant.
Mortgage
Amortisation schedule with extra repayments and interest-saved comparison.
Compounding
See the power of compounding over time with regular contributions.
Retirement
Project savings, drawdown, and how long your money will last.
Superannuation
Accurate super projection including 15% contributions and earnings tax.
Pay
Take-home pay with full Medicare Levy, LITO, MLS and HELP support.
Wealth Report
Personalised retirement projection for singles or couples, with PDF export.
Advisor
Rules-based general-advice assistant. Ask retirement, super and tax questions.
Mortgage Loan Amortisation
See your principal, interest and balance over time. Compare scenarios with and without extra repayments to find out how much interest you could save.
Loan details
Amortisation summary
| Pmt # | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| Enter loan details and click Calculate. | ||||
Compounding Interest
Discover how regular contributions and compounding returns grow your wealth over time. Try the default 7% return — close to the long-run average of a diversified portfolio.
Investment details
Growth breakdown
| Month | Start | Contrib. | Interest | End |
|---|---|---|---|---|
| Calculating… | ||||
Retirement Calculator
Project your retirement savings, then see how long your nest egg lasts in the drawdown phase. Real-terms view adjusts for inflation so today's dollars stay meaningful.
Your details
Projection
| Year | Age | Phase | Start | Contrib / Draw | Interest | End |
|---|---|---|---|---|---|---|
| Enter details and click Project. | ||||||
Superannuation Calculator SG 12% FY25-26
Accurate AU super projection including the 15% contributions tax, 15% earnings tax in accumulation, fee drag, wage growth, and the concessional contribution cap of $30,000.
Your super
Super projection
| Year | Age | Salary | SG | Sal. sac. | 15% tax | Earnings (net) | End balance |
|---|---|---|---|---|---|---|---|
| Enter details and click Project. | |||||||
Australian Pay Calculator FY25-26
Take-home pay with full Australian tax rules: ATO brackets, Medicare Levy with low-income threshold, Medicare Levy Surcharge (MLS), Low Income Tax Offset (LITO), and HELP/HECS repayments.
Your pay
Pay breakdown
| Category | Annual | Monthly | Fortnightly | Weekly |
|---|---|---|---|---|
| Calculating… | ||||
Personal Wealth Report
Generate a comprehensive retirement projection for a single person or couple. Includes super, savings outside super, Age Pension estimate, drawdown plan, ASFA benchmarks, and downloadable PDF.
Household details
Person 1
Person 2
Goals & assumptions
Investment properties (optional)
Each property is projected forward at the capital-growth rate. At retirement we assume sale: net proceeds = projected value − 2.5% selling costs − remaining mortgage − CGT (50% discount applied). Sale proceeds drop into the drawdown pot. Rent/expenses during accumulation are not modelled — typical negative-gearing positions are roughly cashflow-neutral after tax.
Your wealth report
General Finance Advisor General Advice Only
A rules-based assistant that reviews your situation and offers general-advice guidance on cashflow, super, retirement readiness and tax. Always consult a licensed financial adviser for personal advice.
Tell us about you
Household
Income & super
Investments outside super
Cashflow
Debt
Retirement goals
Advice memo
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