Australia

The Australian tax year runs from 1 July to 30 June. A resident pays no income tax on the first 18,200 dollars, then 15% to 45% above it, plus the 2% Medicare levy; a single person earning over 105,000 dollars in 2026-27 without private hospital cover pays a surcharge on top. Employers also pay superannuation guarantee of 12% of ordinary earnings into a fund in your name, on top of your salary rather than out of it. The take-home pay calculator applies the lot. Stamp duty on a home is set by each state and territory on its own scale, most with their own first-home concessions, which is why the stamp duty calculator asks where you are buying first.

Two dates shape retirement. The Age Pension age reached 67 on 1 July 2023, but super can usually be reached earlier, at your preservation age, so the age you stop working and the age the government starts paying are not the same, and the Age Pension itself is means-tested on the very balance you are projecting. The retirement calculator projects that balance; the pension is yours to subtract. A credit card statement here must print the arithmetic for you: when minimum payments would take more than two years to clear the balance, the National Credit Code requires a warning showing how long it would take and what clearing it in two years costs, the same sum the credit card payoff calculator runs. And a car's drive-away price already includes the 10% GST, so it is the figure to finance in the car loan calculator.

The calculators below are set up for Australia, and each one says which of these rules it models. Every dataset behind them is listed at the foot of this page with the date it applies from.