Never Lose Interest publishes free calculators and guides that use official rates and thresholds where those figures have been published. Start with a calculator, or read about the tax changes from 1 July 2027 and how crypto is taxed.
All calculators2027 negative gearing and CGT changesCrypto tax in Australia
Estimate take-home pay from an annual, monthly, fortnightly, weekly or hourly figure, using official resident tax rates.
Work out income tax, the low income tax offset and the Medicare levy for 2025-26 and 2026-27.
Principal and interest or interest-only repayments, with extra payments, an offset balance and a yearly table.
Transfer duty estimates for each state and territory, with first-home concessions where the official scale is clear.
Current 50% discount rules, losses first, and a labelled estimate of post-1 July 2027 indexation and the 30% minimum tax, including crypto.
The tax effect of a rental loss under the current rules, and the 2027-28 quarantine for many established dwellings.
See how a lump sum and regular contributions can grow at a compounding rate you choose.
Add or remove Australia's official 10% GST, rounded to the nearest cent.
A transparent estimate from surplus cash flow and APRA's 3 percentage point serviceability buffer, not a loan approval.
Project a super balance using the 12% Super Guarantee, official contribution caps and an assumed earnings rate.
Weekly, fortnightly or monthly car loan repayments and total interest.
Weekly, fortnightly or monthly personal loan repayments and total interest.
Compulsory HELP and study loan repayments using official 2025-26 and 2026-27 thresholds.
The regular contribution, or time, that may be needed to reach a savings target.
Interest and time saved with an offset balance, compared with extra repayments.
After-tax cash and end wealth for buying or renting, with growth and return assumptions you control.
From 1 July 2027
What Australia's 2027 negative gearing and capital gains tax changes actually do, who is grandfathered, how indexation and the 30% minimum tax work, and what is still to be settled.
Related:negative gearing calculator,CGT calculator,grandfatheringandnew builds versus established property.
Crypto tax
A plain-English guide to crypto tax in Australia, based on ATO guidance: when a sale, swap or spend is taxable, how CGT and income are worked out, staking, airdrops, records and the 2027 CGT changes.
Related:CGT calculator,what to enter in a crypto tax calculatorandwallet transfers.
Who is grandfathered under Australia's 2027 negative gearing changes, how the 12 May 2026 cut-off works, what happens if you bought after Budget night, and when later transfers can keep the old treatment.
How negative gearing and CGT will differ for new builds and established property from 1 July 2027, and why the legal definition of a new residential dwelling is still proposed rather than settled.
How the Australian Government 5% Deposit Scheme works from 1 October 2025, including the 5% and 2% deposit rules, price caps, eligibility and how it differs from Help to Buy.
How the Australian Government Help to Buy shared-equity scheme works, including the 2% deposit, government contribution, income limits, price caps and how it differs from the 5% Deposit Scheme.
Current first home owner grant amounts, value caps and eligibility in each Australian state and territory, and how the grants differ from stamp duty concessions and the 5% Deposit Scheme.
A practical Australian first home buyer checklist covering deposits, borrowing, the 5% Deposit Scheme, Help to Buy, grants, stamp duty, inspections and settlement.
How lenders mortgage insurance works in Australia, why it usually applies above an 80% loan-to-value ratio, who it protects, and options that may avoid it, including the 5% Deposit Scheme.
How home loan deposits work in Australia, including 20% and LMI, 5% government schemes, extra buying costs, and a simple way to set a savings target.
Income tax, take-home pay, capital gains, negative gearing, the Medicare levy and work-related deductions, using official ATO and Treasury figures where they have been published.
Mortgage repayments, borrowing power, stamp duty, deposits, first home buyer schemes and grants, lenders mortgage insurance, offset accounts, buying versus renting, land tax and the 2027 investment property changes.
Superannuation contributions, salary sacrifice, the First Home Super Saver Scheme, payday super and how the Age Pension treats your savings.
How crypto is taxed in Australia, including sales, swaps, wallet transfers, staking and the CGT changes from 1 July 2027.
Take-home pay, GST, compound interest, savings goals, car loans, personal loans and HELP repayments.
This site is general information only from Never Lose Interest. It is not personal advice, a tax assessment or a loan offer, and it does not take into account your objectives, financial situation or needs. Official rates and thresholds can change. Check the ATO, your state revenue office, your lender or a registered tax agent before you rely on a result. Read the general advice warning.