Free Australian Financial Calculators

Make smarter money decisions

Free calculators and comparisons for mortgages, tax, credit cards, personal loans and novated leases โ€” built for Australians.

22 yearsto pay off a $5K credit card
paying only the minimum repayment at 19.99%
See your payoff date
Mortgage CalculatorTax Calculator
8+
Free calculators
5
Comparison tables
2024โ€“25
ATO tax rates
100%
Free, always

Our Calculators

Free tools to help you understand exactly what your finances really cost

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Most popular

Mortgage Calculator

Calculate repayments, borrowing power and total interest. See how rate changes affect your loan.

๐Ÿ’ก Most Australians overpay on their mortgage
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New

Income Tax Calculator

See your exact take home pay after income tax, Medicare levy, HECS/HELP and super for 2024โ€“25.

๐Ÿ’ก Know exactly what you take home
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Credit Card Calculator

See how long it really takes to pay off your balance โ€” and how much interest you are actually paying.

๐Ÿ’ก Minimum repayments can take 20+ years
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Personal Loan Calculator

Compare loan terms and rates. See weekly, fortnightly and monthly repayments instantly.

๐Ÿ’ก Rate differences can cost thousands
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Novated Lease Calculator

See how much you save with a novated lease vs buying outright โ€” including GST, FBT and tax savings.

๐Ÿ’ก Save up to 40% vs buying outright
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Car Loan Calculator

Calculate your car loan repayments and true monthly ownership cost including running expenses.

๐Ÿ’ก Running costs add $400+/month on top
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Built for Australians

2024โ€“25 ATO tax rates, Australian lenders, superannuation rules and HECS/HELP repayment schedules.

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Instant results

Every calculator updates live as you type. No loading, no waiting โ€” just answers.

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Free and private

No sign-up, no personal data collected, no ads disguised as results. Just free tools.

Compare Live Rates

Current rates from Australia's leading lenders โ€” updated regularly

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Compare Home Loans
Current rates from Australia's top lenders
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Compare Credit Cards
Low rate, rewards and balance transfer cards
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Compare Personal Loans
Banks and fintechs side by side
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Compare Car Loans
Banks, fintechs and manufacturer finance
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Compare Novated Leases
Finance rates and fees from top providers
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Did you know?

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Over $100K
The average Australian overpays in mortgage interest by choosing the wrong lender
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22 years
How long it takes to pay off a $5,000 credit card balance paying only the minimum
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Up to 40%
The potential saving on a car through a novated lease vs buying outright
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$700
The low income tax offset available to Australian residents earning under $37,500

MoneyCalculator.com.au provides free calculators for general information purposes only. All calculations are estimates and do not constitute financial advice. Always consult a licensed financial adviser before making any financial decisions. Comparison tables may include featured partners who pay a referral fee. Learn more about our methodology.