Free · no login to start The numbers no one explains.
Plain-English checks for the money the ATO, your super fund, your health fund and Services Australia make hard — tax, family payments, super, buying a home, and more. Pick one: each takes about a minute and shows its working.
Tax & income
HECS / HELP
Repayment tracker
See your compulsory study and training loan repayment under the new FY26 marginal system.
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Take-home pay
After-tax pay
See what actually lands in your account — and what a pay rise really adds once tax and HECS take their cut.
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Work-from-home deductions
Method compared
Compare the fixed-rate and actual-cost methods side by side for your home-office claim.
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Side & gig income
Tax to set aside
Work out the tax to put aside on side or gig income, and when GST registration starts to apply.
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Salary-packaging flow-on
Threshold effects
See how salary packaging moves the income-tested thresholds that drive your other entitlements.
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Capital gains on a sale
Gain & discount
Work out the gain on a sale, the 50% discount where it applies, and the tax that follows.
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Family & benefits
Childcare Subsidy
CCS estimate & reclaim
Estimate your Child Care Subsidy, and check a past year while the reclaim window is open.
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Family Tax Benefit + CCS
Family payments
Estimate your family payments — Family Tax Benefit alongside the Child Care Subsidy.
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CCS withholding buffer
Balancing position
See your likely balancing position at tax time given the standard CCS withholding.
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The “extra day”
Second-earner net
See what a second earner’s extra work day nets once income tax and the CCS taper are applied.
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Rent Assistance
CRA estimate
Estimate your Commonwealth Rent Assistance based on your rent and household.
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Super
Super you may be missing
Contributions room
See co-contribution, spouse offset and carry-forward room you may be eligible for.
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Lost & duplicate super
Fee drag
See the yearly fee drag of holding extra or duplicate super accounts.
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Insurance in your super
Default cover rules
Check whether the default insurance-in-super rules apply to your account.
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Buying a home
Stamp duty
Transfer duty by state
Work out transfer duty and any first-home concession for your state.
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First-home schemes
Eligibility
See which first-home grants and schemes you appear eligible for.
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Lenders Mortgage Insurance
Indicative cost
See the indicative cost of Lenders Mortgage Insurance and when it’s waived.
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Borrowing power
Indicative estimate
Get an indicative borrowing estimate — and see the invisible APRA levers behind it.
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First Home Super Saver
Release & tax effect
See what you could release under the First Home Super Saver scheme and the tax effect.
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True cost to buy
All-in upfront cash
See the all-in upfront cash to buy, itemised line by line.
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Cost of living & debt
Electricity check
Plan vs reference
Compare your electricity plan against the regulated reference price.
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Home battery rebate
Discount & payback
See the indicative federal battery discount and an estimated payback range.
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Credit-card payoff
Interest & timeline
See months to clear, total interest, and the minimum-payment trap on a card balance.
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Health
Private health
MLS & LHC loading
Work out your Medicare Levy Surcharge and Lifetime Health Cover loading for FY26.
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Estate
No will?
Intestacy & readiness
See who inherits under the intestacy rules, with an estate-readiness check.
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Information only · not financial advice · sources shown with every result