Australian Money Calculators: Super, HECS-HELP, Home Loan, Tax Refund and Bonus
Free Australian calculators for super, HECS-HELP repayments, home loans with offset, tax refund and bonus tax. Private, in your browser, 2025-26 rates.
Money questions come up all year in Australia: how much will my super be, how long will HECS take, what is my loan repayment, how much tax comes off a bonus. These free calculators answer them in seconds, in your browser, with nothing sent to a server.
Rates change, usually each 1 July. Treat every result as a guide and check the ATO or your lender for the exact figure.
Quick answer
| Question | Tool |
|---|---|
| How big will my super be at retirement? | Super Calculator |
| What do I repay on HELP, and for how long? | HECS-HELP Repayment Calculator |
| What will my home loan cost, with an offset? | Home Loan Repayment Calculator |
| Will I get a refund? | Tax Refund Estimator |
| How much of my bonus do I keep? | Bonus Tax Calculator |
| What is the tax on a share or property gain? | CGT Estimator |
Super
Enter salary, balance, age, retirement age and expected return. The tool adds the employer guarantee (12 percent from 1 July 2025), takes 15 percent contributions tax and shows the projected balance, plus the value in today's dollars. Fees are not included, so choose a slightly lower return to be safe. Extra contributions show how much a small top-up changes the result.
HECS-HELP
The 2025-26 repayment is marginal: nothing up to $67,000, 15 cents per dollar between $67,000 and $125,000, then $8,700 plus 17 cents above $125,000, and 10 percent of all income above $179,285. The tool shows the yearly repayment, the monthly amount and the years to clear without indexation. Indexation each 1 June can make the real time longer.
Home loan with an offset
Enter the amount, rate, term and frequency (monthly, fortnightly or weekly). The tool shows the repayment and the total interest, then how much interest an offset account balance saves and how much sooner the loan is paid. Paying fortnightly half the monthly amount makes one extra monthly payment a year.
Tax refund and bonus
The refund tool uses 2025-26 resident rates and the Medicare levy against the tax already withheld. Offsets are not included. The bonus tool shows the extra tax caused by the bonus on top of your income. A bonus is not taxed at a special rate; large withholding is corrected at your tax return.
Capital gains
For assets held more than 12 months a resident gets a 50 percent discount. The CGT Estimator adds the discounted gain to your income and shows the extra tax. The main home is usually exempt.
Frequently asked questions
Are these tax-agent advice? No. They are estimates for planning.
Which year are the rates? 2025-26 resident rates.
Is my data stored? No. Everything runs in your browser.
See also Pay Frequency Converter and First Home Deposit Calculator.
