Australian finance calculators
Browse OzMoneyTools calculators and explainers for Australian pay, tax, GST, Medicare, HECS/HELP and superannuation. Start with the calculators, then use the guides to understand the assumptions behind the numbers.
Pay and Salary
Estimate net pay, compare pay cycles, and understand the deductions between gross and take-home pay.
Estimate net pay from salary or hourly income with tax, Medicare, MLS, HECS/HELP and super settings.
Convert annual, monthly, fortnightly, weekly, daily and hourly salary amounts.
Use the main OzMoneyTools calculator from the homepage with shareable input links.
Tax and Deductions
Look up Australian income tax rules and the deductions that affect your net pay.
Estimate income tax using Australian resident tax brackets and taxable income examples.
Resident and foreign resident tax brackets, taxable income basics, and marginal rates.
Charts and breakdowns showing how income tax, Medicare and other deductions affect pay.
Estimate study loan repayments and understand repayment income thresholds.
Repayment income, thresholds, rates and how study debt repayments interact with pay.
Medicare and Health Cover
Understand Medicare levy and Medicare Levy Surcharge settings used in the calculator.
Business and Super
Calculate GST and understand superannuation settings that change salary package results.
Add or remove Australian GST at 10%, with GST-exclusive, GST amount and GST-inclusive totals.
Estimate home loan repayments by frequency and model the impact of extra repayments.
Super on top vs salary-including-super packages, contribution rates and caps.
Salary after-tax examples
Common Australian salary examples with estimated net pay after income tax and Medicare levy.
Planned calculators
These are the next likely additions as OzMoneyTools expands into a broader Australian calculator library.
- Hourly rate to annual salary calculator
- Pay rise calculator
- Salary packaging calculator
How to choose the right calculator
- Use take-home pay calculator when you need full deduction modelling (tax, Medicare, MLS, HECS/HELP, super settings).
- Use salary calculator when you only need fast pay-cycle conversions (annual, monthly, fortnightly, weekly, hourly).
- Use topic guides (tax, Medicare, HECS, super) when you need the assumptions behind each deduction rather than just the number.
Australian pay & tax explainers
Deeper explainers for common ranking queries around bonus tax, PAYG withholding, HECS thresholds and salary-package comparisons.
Quality and methodology notes
OzMoneyTools calculators are built for planning and comparison. Results can differ from payroll because of employer withholding methods, offsets, and pay-cycle rounding. For official determinations, validate with ATO resources.