Calculators
Each calculator uses official rates and thresholds where those figures have been published. Where a figure is unpublished, or a method is an estimate, the tool says so.
Pay calculator
Estimate take-home pay from an annual, monthly, fortnightly, weekly or hourly figure, using official resident tax rates.
Income tax calculator
Work out income tax, the low income tax offset and the Medicare levy for 2025-26 and 2026-27.
Mortgage repayment calculator
Principal and interest or interest-only repayments, with extra payments, an offset balance and a yearly table.
Compound interest calculator
See how a lump sum and regular contributions can grow at a compounding rate you choose.
GST calculator
Add or remove Australia's official 10% GST, rounded to the nearest cent.
Stamp duty calculator
Transfer duty estimates for each state and territory, with first-home concessions where the official scale is clear.
Borrowing power calculator
A transparent estimate from surplus cash flow and APRA's 3 percentage point serviceability buffer, not a loan approval.
Super and retirement calculator
Project a super balance using the 12% Super Guarantee, official contribution caps and an assumed earnings rate.
Car loan calculator
Weekly, fortnightly or monthly car loan repayments and total interest.
Personal loan calculator
Weekly, fortnightly or monthly personal loan repayments and total interest.
Capital gains tax calculator
Current 50% discount rules, losses first, and a labelled estimate of post-1 July 2027 indexation and the 30% minimum tax, including crypto.
HELP repayment calculator
Compulsory HELP and study loan repayments using official 2025-26 and 2026-27 thresholds.
Savings goal calculator
The regular contribution, or time, that may be needed to reach a savings target.
Negative gearing calculator
The tax effect of a rental loss under the current rules, and the 2027-28 quarantine for many established dwellings.
Offset account calculator
Interest and time saved with an offset balance, compared with extra repayments.
Rent versus buy calculator
After-tax cash and end wealth for buying or renting, with growth and return assumptions you control.
These calculators are general information only from Never Lose Interest. They are not personal advice, a tax assessment or a loan offer, and they do not take into account your objectives, financial situation or needs.