AussieCalc — Free Australian Financial Calculators

The 2025–26 financial year brought four meaningful changes for everyday Australian household finances — and most of them only show up clearly when you run the numbers. Here's what shifted, and which AussieCalc tool helps you see the dollar impact.

Stage 3 tax cuts are in effect. From 1 July 2024, the 19% bracket dropped to 16%, the 32.5% bracket dropped to 30% and now extends up to $135,000 (was $120,000), the 37% threshold lifted to $135,001–$190,000, and the 45% top rate now kicks in at $190,000 (was $180,000). Every resident taxpayer pays less personal income tax than they would have under the pre-cut schedule. See the line-by-line worked example on the income tax calculator for a $95,000 salary scenario.

Super Guarantee is now 12%. The legislated SG rate stepped up from 11.5% to its permanent 12% setting on 1 July 2025. For a $95,000 earner, that's an extra $475 a year from your employer (gross of contributions tax) flowing into super for the rest of your working life — compounded over 30 years at 7% net, that single 0.5 percentage point lift is worth roughly $60,000 of additional retirement balance. Our superannuation calculator models the SG schedule explicitly.

HECS-HELP indexation rule changed. Following 2024 legislation, the annual indexation on accumulated HECS-HELP debt is now the lower of CPI and the Wage Price Index, with retrospective application back to 2023. In years of high inflation that's materially friendlier than the prior CPI-only rule and reduces the real burden on graduates. The income tax calculator shows the current repayment schedule alongside your tax bill.

First Home Guarantee remains uncapped on places. The 5%-deposit-no-LMI federal scheme administered by Housing Australia continues without a place cap, alongside the Family Home Guarantee (single parents, 2% deposit) and Regional First Home Buyer Guarantee. Combined with state FHB stamp-duty concessions, a typical eligible buyer in Brisbane, Adelaide or Hobart can transact a new home with effectively zero upfront duty, zero LMI, and a 5% deposit. The LMI calculator shows what would otherwise be payable.

State stamp-duty settings continue to diverge. NSW maintained its $800,000 FHB exemption (tapered to $1M) but didn't reopen the property-tax choice scheme. SA's uncapped FHB new-home exemption (introduced June 2024) is now driving Adelaide's strongest new-build FHB market in two decades. Victoria's Vacant Residential Land Tax expanded statewide from 1 January 2025. Each state-specific stamp duty page has the 2025–26 schedule and worked example using the local capital-city median.

Which calculator should I use?

Six common decision points and the AussieCalc tool that matches each — or the combination that gives you the full picture.

Buying a home Stamp duty is your biggest upfront cost; the mortgage calculator shows your repayment commitment; LMI applies if your deposit is below 20% and First Home Guarantee doesn't.

Negotiating a job offer Marginal vs effective tax rates matter — a $10K raise feels like much less after the 30–37% bracket, Medicare Levy and HECS step-up.

Planning a salary sacrifice See the compounding lift to your super balance and the personal-tax saving from contributing inside the $30,000 concessional cap (or via carry-forward).

Selling an investment property Half the gain is included in your assessable income (after 12 months held) — the income tax calc shows the bracket impact of adding the net gain.

Considering a refinance Compare monthly repayments and lifetime interest before factoring discharge, registration and possible LMI top-up if your LVR is above 80%.

Comparing states for a move Foreign buyer surcharges, FHB thresholds and premium-rate cliffs vary widely — the per-state pages have side-by-side worked examples for each capital city's median.