calculatorzone95 tools
Australia directory
All calculators
95 tools for Australia, grouped by the job they do. Search if you already know the name; otherwise start from a goal or a journey below.
Start from a goal
Short collections for the decisions people actually type into search — not the internal category map.
Buying a home
What you can borrow, what it costs monthly, and the taxes on top.
3 tools
Growing my savings
Compound growth, ISAs, pensions and long-run returns.
2 tools
Paying off debt
Repayment plans, consolidation maths and time-to-debt-free.
3 tools
Running a business
Margins, VAT, corporation tax and take-home as a director.
2 tools
Health & fitness checks
BMI, calories, heart-rate zones and running pace.
4 tools
Energy and household bills
Rebuild a bill from usage, unit rate and standing charge.
2 tools
University and student finance
Course cost, loan repayments and what a graduate salary actually clears.
2 tools
Browse a journey
Topic clusters chain the calculators that belong in one sitting — borrow, then tax, then the monthly figure.
Mortgage & property purchase10Borrowing, repayments, deposits, stamp duty and property decisions.Mortgage Affordability · Mortgage · Loan-to-ValueSalary & tax6Take-home pay, income tax, NI, pensions and employment deductions.Hourly to Salary · Hourly Rate · OvertimeSavings & investing11Compound growth, ISAs, inflation and long-run returns.Compound Interest · Savings Growth · SavingsBusiness & freelance7VAT, margins, break-even, corporation tax and employee costs.Profit Margin · Break-Even · MarkupCars & transport4Car finance, running costs, fuel and EV charging.Car Loan · Car Depreciation · EV Charging CostLoans & debt8Personal loans, credit cards and debt payoff planning.Loan Repayment · Personal Loan Cost · Credit Card PayoffEveryday maths4Quick everyday calculations — percentages, dates and conversions.Percentage · Percentage Change · Date DifferenceHealth & wellbeing7Everyday health benchmarks and hydration guidance.BMI · Ideal Weight · Water Intake
95 calculators
Business9
Break Even AnalysisFind the break-even point where revenue covers total costs. Enter fixed costs, variable costs and unit price to see how many sales you need to profit.Break-EvenCalculate units or revenue needed to cover all costs and break even. Enter fixed costs, variable costs per unit and selling price to find your break-even point.Cash FlowCalculate net cash flow by totalling inflows and outflows. Track whether your business or household generates a positive or negative cash position each period.Cost Per UnitCalculate the cost per unit of any product by dividing total costs by quantity produced. Use this to set competitive prices and maintain healthy profit margins.GST Calculator (Australia)Add or remove Australian GST at 10%. Convert a GST-inclusive price to net, or add GST to a net amount for invoices and quotes.Hourly RateCalculate the minimum hourly rate you need to charge as a freelancer to hit your income goal.Invoice TotalsInvoice Totals Calculator helps you estimate discount and net for Australia using Subtotal (your currency), GST Rate (%), and Discount (%). Use it to compare scenarios before making a final decision.MarkupCalculate the selling price and profit margin from cost and markup percentage. Find the right markup to hit your target profit on any product.Profit MarginCalculate gross, operating and net profit margins from revenue and cost figures. See how efficiently your business converts sales into profit at each level.
Cars & Transport3
Car DepreciationCalculate how much your car will depreciate over time. See future value and total loss.Car LoanCalculate UK car finance and loan repayments, total interest, and borrowing cost. Compare deposits, APRs, and terms before you apply.EV Charging CostCalculate electric car charging costs per charge, per month and per mile at home or public chargers.
Everyday Maths10
AgeCalculate your exact age in years, months, days and weeks. Enter your date of birth to find out precisely how old you are today.Bill SplitterSplit any bill fairly among friends, family or colleagues. Enter the total amount and number of people to calculate each person's share, including optional tip.Childcare CostCalculate annual and monthly childcare costs after free hours entitlement and Tax-Free Childcare savings.Date DifferenceCalculate the exact difference between two dates in years, months, weeks and days. Find how long until an event or how much time has passed since any past date.Holiday CostCalculate total holiday costs including flights, hotel, and spending money for any number of people.Split BillSplit a restaurant bill equally between any number of people, with or without a tip.Temperature ConverterConvert temperatures between Celsius, Fahrenheit and Kelvin in one click. Accurate temperature conversion for cooking, science, weather and travel planning.Timezone ConverterConvert times between any two time zones worldwide. Find the equivalent local time for meetings, calls or travel across different countries and time zones.Unit ConverterConvert between units of length, weight, volume, speed, area and more. Fast and accurate unit conversion for everyday tasks, cooking, science and engineering.Wedding BudgetPlan your wedding budget with a recommended breakdown by venue, catering, photography and more.
Everyday Maths4
Loan-to-ValueCalculate your loan-to-value ratio by dividing your mortgage by the property value. Use LTV to understand equity, remortgage options and available rates.PercentageCalculate percentages instantly — what percent is X of Y, and percentage of a number.Percentage ChangeCalculate the percentage increase or decrease between two values. Find the percentage change from an original to a new value for finance, grades or statistics.TipCalculate the right tip amount and split the bill evenly among friends. Enter the total and tip percentage to see each person's share.
Health & Fitness9
BMICalculate your Body Mass Index using height and weight to assess whether you are underweight, healthy, overweight or obese using standard BMI classifications.BMRCalculate your Basal Metabolic Rate to find the calories needed at rest each day. Use BMR to set a calorie target for weight loss, maintenance or muscle gain.Body FatEstimate body fat percentage using waist, hip and neck measurements. Understand your body composition and track progress toward your health and fitness goals.CalorieCalculate your daily calorie needs for maintenance, weight loss, or weight gain.Heart Rate ZoneCalculate personalised heart rate training zones using the Karvonen method. Find your fat burn and aerobic zones.Ideal WeightCalculate your ideal weight range based on height and healthy BMI. Find your target weight.Macros SplitCalculate your daily macronutrient split of protein, carbohydrates and fat based on your calorie goal. Plan your diet to support weight loss or muscle gain.Running PaceCalculate running pace per km and per mile from your distance and time. Convert between pace and speed.Water IntakeCalculate your recommended daily water intake based on weight and activity level.
Household & Energy2
Investing & Savings13
AnnuityCalculate annuity payments, present value and future value for fixed income streams. Estimate how much regular income your pension or investment will generate.Compound InterestCalculate how compound interest grows savings or increases debt over time. Enter principal, rate, compounding frequency and term to project your final balance.Dividend YieldCalculate the dividend yield of a stock by dividing the annual dividend by the share price. Assess income potential before investing in dividend-paying shares.Franking CreditsCalculate the franking credit on Australian dividends, your grossed-up income, and whether you receive a tax refund or owe additional tax at your marginal rate.Future ValueCalculate the future value of an investment or savings plan with compound interest. Enter the principal, rate, compounding frequency and time to project growth.Index FundProject index fund investment growth with lump sum and regular contributions. See long-term compound returns.Investment ReturnCalculate simple investment profit, total return, and annualised return from a starting value, ending value, and holding period.Present ValueCalculate the present value of a future cash flow discounted at a given interest rate. Understand what a future sum or annuity stream is worth in today's money.Retirement SavingsCalculate how much you will have at retirement based on your savings and contributions.SavingsCalculate how your savings will grow with regular deposits and compound interest. Enter your balance, monthly contribution and rate to project future savings.Savings GrowthCalculate how your savings grow over time with regular contributions and compound interest. Project your future balance to plan for any savings goal.SuperannuationSuperannuation Calculator helps you estimate projected super balance and your contributions for Australia using Your Current Age, Retirement Age, and Current Super Balance (your currency). Use it to compare scenarios before making a final decision.Superannuation DrawdownCalculate how long your superannuation will last in retirement. Enter your balance, annual withdrawal, and investment return to see when your super runs out.
Money & Finance22
APR to APYConvert APR to APY to understand the true annual return when interest compounds. See how compounding frequency affects the effective yield on savings or loans.Cost of UniversityEstimate total university costs including tuition, accommodation, and living expenses.Credit Card PayoffCalculate how long it takes to pay off a credit card and see total interest costs.Currency ConverterConvert amounts between major world currencies using current exchange rates. Find the equivalent in any currency for travel, business or international payments.Debt ConsolidationCalculate potential savings from consolidating high-interest debts into a lower-rate loan.Deposit SavingsCalculate how long it will take to save a house deposit based on your monthly savings and interest rate.DiscountCalculate the final price after a percentage or fixed discount. Enter the original price and discount amount to find out exactly how much you save.Early Repayment SavingsCalculate interest saved by making early or overpayments on your mortgage or loan. See how extra payments reduce your balance and shorten your repayment term.Fixed vs Variable MortgageCompare fixed-rate and variable-rate mortgages side by side. See total interest and monthly repayments under each option to choose the right mortgage type.Home AffordabilityCalculate how much house you can afford based on income, deposit and outgoings. Estimate the maximum mortgage and property price that fits your finances.InflationCalculate how inflation erodes purchasing power over time. Enter an amount and time period to see what today's money was worth in the past or future.Interest-Only MortgageEstimate UK interest-only mortgage payments and total interest. See the unchanged capital due at the end and compare a repayment mortgage.Loan RepaymentEstimate monthly loan repayments and total interest from amount, rate and term. Use your local currency; this is a planning figure, not a credit offer.Mortgage AffordabilityEstimate UK mortgage affordability from household income, monthly expenses, interest rate, and term. Stress-test borrowing before applying.Mortgage AmortizationGenerate a full mortgage amortization schedule showing monthly principal and interest. See how your balance reduces over the entire term of your home loan.MortgageEstimate mortgage repayments, total interest and LTV from loan amount, rate and term. A planning figure — not a lender illustration.Mortgage OverpaymentSee how extra monthly payments or a lump sum cut years and interest off a UK mortgage. Compare overpaying with keeping the cash.OvertimeCalculate overtime pay based on your hourly rate and hours worked beyond your standard week. Find out how much extra you earn for working additional hours.Personal Loan CostLoan Calculator works out the monthly repayment and total interest on a personal loan for Australia from the amount, APR and term.RefinancingCalculate potential savings from refinancing your mortgage to a lower rate. Compare your current monthly payment and total cost against a new refinancing deal.Salary Sacrifice SuperSalary Sacrifice Super Calculator helps you estimate annual tax saving and income tax saved for Australia using Annual Gross Salary (your currency), Annual Salary Sacrifice Amount (your currency), and Marginal Tax Rate. Use it to compare scenarios before making a final decision.Simple InterestCalculate simple interest earned or owed on a loan or deposit. Enter the principal, annual interest rate and term in years to find the total interest amount.
Property & Mortgages15
Capital GrowthCalculate the capital growth of a property or investment over a set period. Enter purchase price, annual growth rate and years held to project the future value.Closing CostsEstimate closing costs when buying a property, including legal fees, surveys and stamp duty. Budget for the total upfront cost of completing a home purchase.First Home Super Saver (FHSS)Calculate how much you can save using the First Home Super Saver Scheme (FHSS). See your tax savings, release amount vs a regular savings account.Landlord ProfitCalculate monthly and annual landlord profit after mortgage, agent fees, maintenance and insurance.Lease vs BuyCompare the total cost of leasing versus buying a car or asset. Enter lease terms, purchase price and finance rate to find the most cost-effective option.Mortgage vs RentCompare the total cost of buying with a mortgage versus renting long-term. Factor in house price growth, rent increases and investment returns to decide wisely.Negative GearingNegative Gearing Calculator helps you estimate net property income and annual tax benefit for Australia using Property Value (your currency), Annual Rental Income (your currency), and Loan Interest Rate (%). Use it to compare scenarios before making a final decision.Property Flipping ProfitCalculate profit and ROI on property flipping projects including renovation costs.Rent AffordabilityCalculate how much rent you can afford based on your income. See your rent-to-income ratio and find your maximum affordable weekly rent using the 30% guideline.Rent IncreaseCalculate the new monthly rent after a percentage increase and see the extra monthly and annual cost.Rent vs BuyCompare the long-term cost of renting versus buying a home. Enter property price, rent, mortgage rate and duration to see which option suits you best.Rent vs Buy Calculator (Australia)Compare renting vs buying a home in Australia. Includes stamp duty, buying costs, mortgage repayments, property growth, and equity built over 5 to 20 years.Rental YieldRental Yield Calculator helps you estimate rental yield and monthly rent for Australia using Annual Rent (your currency) and Property Value (your currency). Use it to compare scenarios before making a final decision.ROICalculate return on investment as a percentage of your initial outlay. Enter net profit and investment cost to measure efficiency of any business decision.Stamp Duty Calculator (Australia)Calculate stamp duty for property purchases in NSW, Victoria, Queensland, WA, SA, and ACT. Includes first home buyer concessions and foreign surcharges.
Tax8
Australian Income TaxAustralian Income Tax Calculator helps you estimate income tax and medicare levy for Australia using Annual Taxable Income (your currency), Residency Status, and Private Hospital Cover?. Use it to compare scenarios before making a final decision.Australian PaycheckAustralian Paycheck Calculator helps you estimate take-home per pay period and annual take-home for Australia using Annual Gross Salary (your currency), Pay Frequency, and Employer Super Rate (%). Use it to compare scenarios before making a final decision.Australian Tax Return EstimatorAustralian Tax Return Estimator helps you estimate refund / (amount owed) and income tax for Australia using Gross Income (your currency), Tax Already Withheld (your currency), and Work-Related Expenses (your currency). Use it to compare scenarios before making a final decision.Capital Gains Tax Calculator (Australia)Capital Gains Tax Calculator (Australia) helps you estimate taxable gain (after discount) and cgt payable for Australia using Capital Gain (your currency), Holding Period, and Other Taxable Income (your currency). Use it to compare scenarios before making a final decision.HECS-HELP RepaymentHECS-HELP Repayment Calculator helps you estimate annual repayment and repayment rate for Australia using Current HECS-HELP Debt (your currency), Annual Repayment Income (your currency), and Expected Annual Income Growth (%). Use it to compare scenarios before making a final decision.Hourly to SalaryConvert an hourly wage to an annual salary or annual pay to an hourly rate. Compare earnings across different pay structures to evaluate job offers accurately.Medicare Levy & SurchargeMedicare Levy & Surcharge Calculator helps you estimate medicare levy and medicare levy surcharge for Australia using Annual Income (your currency) and Private Hospital Cover?. Use it to compare scenarios before making a final decision.Overtime PayCalculate overtime earnings with any multiplier — time-and-a-half, double time, and more.
Start with a goal
Follow a short sequence when one answer depends on the next.