Free Online Tools for Australia 2026: Tax, Super and Take-Home Pay
Tax, superannuation and money tools built for ATO rates. Free, private and no sign-up.
Last updated: June 2026
Australia tax & super
Australia Income Tax Calculator
๐ฆ๐บ AustraliaATO 2025-26 rates, Medicare levy, LITO and HECS/HELP take-home pay.
OpenSuperannuation Calculator
๐ฆ๐บ AustraliaProject your super balance at retirement with the 12% SG rate.
OpenRetirement Calculator
Corpus needed and monthly savings, inflation adjusted.
OpenMoney & savings
Budget Calculator
Plan a monthly budget with the 50/30/20 rule.
OpenCompound Interest Calculator
Project savings growth with regular contributions.
OpenSavings Goal Calculator
How long, or how much per month, to hit a target.
OpenMortgage Calculator
Monthly repayment, amortisation and affordability.
OpenAustralian pay packets come with their own moving parts: ATO tax brackets, the Medicare levy, the low income tax offset, HECS/HELP repayments and compulsory super at 12%. The tools here are set up for those specifics, so the take-home figure and the super projection match the 2025-26 rules rather than a rough global estimate.
The Australia income tax calculator is the starting point. It applies the ATO 2025-26 brackets, the Medicare levy and LITO, and can layer on HECS/HELP and the Medicare levy surcharge to give your real take-home pay. The superannuation calculator then projects your balance at retirement using the 12% Super Guarantee, with room for salary sacrifice.
For the wider plan, the retirement calculator, budget calculator and compound interest calculator help you set targets and watch contributions compound, while the mortgage calculator covers home repayments.
Job hunting or handling documents? The resume builder produces a clean, ATS-friendly resume with no watermark, and the PDF tools handle the paperwork around applications. Every tool is free, mobile-friendly and private. ATO rates and super rules change, so treat the results as planning estimates and confirm anything important with the ATO or a licensed adviser.
Guides for Australia
FAQ
Frequently asked questions
Do these tools use ATO 2025-26 rates?
Yes. The Australia income tax calculator uses the ATO 2025-26 brackets, applies the Medicare levy and the low income tax offset (LITO), and can add HECS/HELP repayments and the Medicare levy surcharge. It gives your take-home pay per year and per pay period, all calculated in your browser.
How does the superannuation calculator work?
It projects your super balance at retirement using the 12% Super Guarantee rate, lets you add salary-sacrifice contributions, and accounts for the concessional contributions cap. It is a planning estimate to show how today's contributions grow, not personal financial advice.
Does the income tax calculator include the Medicare levy?
Yes. It separates income tax, the 2% Medicare levy, LITO and any HECS/HELP repayment, then shows your net pay. The Medicare levy surcharge can be included if it applies to your income and cover.
Can I build an Australian resume here?
Yes. The resume builder creates a clean, ATS-friendly resume you can download as a PDF or Word file with no watermark and no account, which suits Australian job applications.
Are the tools free with no sign-up?
Yes, every tool is free with no account and no daily limit. Your salary and super figures stay on your device because the calculators run entirely in your browser.