Australian Finance Calculator Hub
Free, up-to-date calculators built for Australians. Updated for FY 2026–27 rates and the 2026 Budget CGT and negative gearing changes.
Stamp Duty
Transfer duty by state with first home buyer concessions for all 8 states & territories.
Rent vs Buy
Side-by-side 10-year comparison of renting vs buying — total costs, opportunity cost, and break-even point.
Mortgage Repayment
Weekly, fortnightly or monthly repayments with offset account and extra repayments.
Borrowing Power
How much can you borrow? Uses APRA's 3% serviceability buffer and HEM benchmarks — the same rules major banks use.
Pay Calculator
NewEnter any salary frequency — hourly, weekly or annual — and see your full take-home pay, tax and HECS breakdown.
Income Tax
FY 2024–25 Stage 3 rates with LITO, Medicare Levy, effective and marginal rates.
Superannuation
Project your super balance to retirement with contributions tax and compound growth.
Capital Gains Tax
CGT at your marginal rate with the 50% discount for assets held over 12 months.
CGT: 2027 Comparison
2027 Budget50% discount vs indexation side by side. See which CGT rule leaves you better off after the July 2027 changes.
Overtime Pay
Total gross pay with overtime and double-time rates, plus effective hourly rate.
Rental Yield
Gross and net rental yield including management fees and operating expenses.
HECS / HELP
Annual compulsory repayment with all 18 FY 2024–25 income thresholds and payoff projection.
Term Deposit
Final balance and interest earned with compound vs simple interest comparison.
Property Investing Calculators
Cash flow, negative gearing, equity and land tax — updated for the May 2026 Budget changes.
Cash Flow Calculator
NewWeekly after-tax out-of-pocket cost on an investment property — including depreciation and negative gearing benefit.
Negative Gearing Calculator
2026 BudgetAnnual tax saving from negative gearing — updated for the May 2026 Budget changes to established properties.
Rental Income Tax
Exact tax saving or liability from your investment property — includes ATO deductions, Div 43/40 depreciation, and your marginal rate.
Property Return Calculator
NewProject net profit, equity growth, and annualised return on your deposit over 5–30 years.
Usable Equity Calculator
NewHow much equity can you access at 80% LVR? Find your buying power for the next investment property.
Land Tax Calculator
NewAnnual land tax across all Australian states — VIC, NSW, QLD, SA, WA, TAS with side-by-side comparison.
FIRE — Financial Independence, Retire Early
Australia's most comprehensive free FIRE suite. 3-phase model: bridge fund, super, and Age Pension.
FIRE Timeline
3-phase AU model: bridge fund, super at 60, Age Pension at 67. Year-by-year projection.
FIRE Number
How much do you need to retire forever? SWR comparison at 3%–5% with Age Pension offset.
Coast FIRE
Find the amount needed today so compound growth alone reaches your FIRE number by retirement.
Barista FIRE
Semi-retirement: see how part-time income shrinks your required portfolio by hundreds of thousands.
Savings Rate
The famous table: savings rate 5%–80% mapped to years to FIRE. It's not about income.
FIRE Withdrawal
How long does your money last? Withdrawal rate comparison with Age Pension extending portfolio life.
Why use Dolaro?
All calculators are built specifically for Australian tax rules, updated for FY 2026–27 rates, current HECS/HELP thresholds, and accurate per-state stamp duty brackets. The CGT and negative gearing changes from the May 2026 Budget are reflected across the relevant tools. Results are estimates for planning purposes — always confirm with a qualified adviser before making financial decisions.