ozcalc.com
Everyday calculations, made simple.
Fast Australian calculators for pay, tax, housing, dates and everyday numbers — with the formula shown, not hidden. Type a command like 120 + gst or 95k salary.
55
working calculators
Each includes an explanation, formula and worked example.
21
practical guides
Read the reasoning without filling in a calculator.
6
everyday categories
From Australian pay and property to dates and conversions.
Popular tools
- SalaryEstimate weekly, fortnightly, monthly and annual take-home pay from an Australian resident salary, using ATO PAYG withholding for each pay and year-end tax for the annual figure.
- GSTAdd 10% GST, remove GST from an inclusive price, or see the GST component using the Australian 1/11 rule.
- MortgageEstimate loan repayments, total interest and the principal/interest split for an Australian home loan.
- PercentageFind a percentage of a number, reverse a percentage, or calculate percentage increase, decrease and difference.
- RentConvert Australian rent between weekly, fortnightly, monthly and annual amounts using a 52-week year — not weekly × 4.
- SuperCalculate the 12% Superannuation Guarantee on an Australian salary, including the maximum contribution base and salary-plus-super packages.
- Income taxEstimate income tax, LITO, Medicare and optional HELP from taxable income for 2026–27, including foreign resident rates.
- FuelEstimate litres used and trip cost from distance, L/100 km consumption and the price at the pump, including an optional return trip.
Newly added
- Stamp dutyEstimate transfer (stamp) duty on a property purchase in New South Wales, Victoria or Queensland, from the revenue office's published rates.
- ScientificEvaluate expressions with sin, cos, tan, logs, powers, roots, π, e and factorials. Switch between degrees and radians.
- HELP/HECSEstimate the compulsory HELP/HECS repayment using the 2026–27 marginal study-and-training loan rates.
- MLSEstimate the Medicare levy surcharge from 2026–27 income tiers and whether you have appropriate private hospital cover.
- PAYGEstimate Scale 1 or Scale 2 PAYG withheld from a resident salary in 2026–27, depending on whether the tax-free threshold is claimed.
- Extra repaymentsSee how extra monthly repayments cut home-loan interest and years remaining.
- OffsetEstimate interest saved when a transaction-account balance offsets a home loan.
- Compound interestProject a lump sum — with optional regular deposits — as interest compounds.
- Credit cardEstimate how long a card balance takes to clear at a fixed monthly payment, and the interest you would pay.
- Salary conversionConvert hourly, weekly, fortnightly, monthly and annual pay, and pro-rate a part-time salary from a 38-hour week.
- Public holidaysList public holidays for a year in a chosen state or territory, including many observed-Monday rules.
Australian calculators
- SalaryEstimate weekly, fortnightly, monthly and annual take-home pay from an Australian resident salary, using ATO PAYG withholding for each pay and year-end tax for the annual figure.
- Income taxEstimate income tax, LITO, Medicare and optional HELP from taxable income for 2026–27, including foreign resident rates.
- PAYGEstimate Scale 1 or Scale 2 PAYG withheld from a resident salary in 2026–27, depending on whether the tax-free threshold is claimed.
- GSTAdd 10% GST, remove GST from an inclusive price, or see the GST component using the Australian 1/11 rule.
- SuperCalculate the 12% Superannuation Guarantee on an Australian salary, including the maximum contribution base and salary-plus-super packages.
- Medicare levyEstimate the 2% Medicare levy with the 2026–27 single or family low-income reduction and per-child increments.
- MLSEstimate the Medicare levy surcharge from 2026–27 income tiers and whether you have appropriate private hospital cover.
- HELP/HECSEstimate the compulsory HELP/HECS repayment using the 2026–27 marginal study-and-training loan rates.
- Stamp dutyEstimate transfer (stamp) duty on a property purchase in New South Wales, Victoria or Queensland, from the revenue office's published rates.
- Financial yearSee which financial year a date falls in, and how many days remain in the current year.
- Business daysCount Australian business days between two dates, or add and subtract working days, with national and state public holidays.
- Public holidaysList public holidays for a year in a chosen state or territory, including many observed-Monday rules.
- Workdays / yearCount weekdays minus public holidays in a calendar year for an Australian state or territory.
Collections
All collections- Buying a homeDeposit, LVR, repayments, extra payments and offset — the numbers around a purchase, worked in the order you actually need them.Deposit · LVR · Mortgage · Extra repayments · Offset
- Understanding your payTake-home pay, super, hourly conversion, a pay rise and reading a job ad — the tools for working out what an offer is really worth.Salary · Super · Salary conversion · Pay rise · Salary package · HELP/HECS
- Planning a road tripFuel cost, L/100 km, travel time and distance conversion for an Australian drive, including the figures that make a long trip cost more than you expect.Fuel · Fuel economy · Travel time · Length
- Comparing job offersStrip two ads back to the same basis — base salary, super, take-home pay, hourly equivalent and a study loan — before deciding which one pays more.Salary package · Salary · HELP/HECS · Salary conversion · Pay rise
- Understanding your tax yearWhich income year a date belongs to, the resident brackets that apply, what PAYG already withheld, and the levies that still get assessed at lodgement.Financial year · Income tax · PAYG · Medicare levy · Tax comparison
Browse by category
- MoneySalary, tax, GST, superannuation, percentages, savings, interest and loans — Australian-first, with official rates where the numbers are regulated.23 calculators
- HomeMortgage repayments, rent conversions, property costs, electricity and household bills, using annualised figures instead of rough weekly × 4 shortcuts.12 calculators
- WorkLeave hours, overtime, timesheets, shift length and pay conversions. Business-day counts use Australian public holidays by state.12 calculators
- Dates & timeDate differences, business days, age-style calendar spans and working-day arithmetic, including Australian public holiday data by jurisdiction.9 calculators
- TravelFuel, distance, trip cost and travel time. Start with a fuel cost calculator using litres per 100 km — the consumption figure on Australian windscreens.4 calculators
- EverydayA scientific calculator plus percentages, ratios and unit conversions for the calculations people actually do between larger financial decisions.8 calculators
Built for Australian numbers
Most calculators on the internet are built for somewhere else. They assume a tax year starting in January, quote fuel economy in miles per gallon, add a sales tax that works differently from GST, and know nothing about the superannuation guarantee or a HELP debt. For an Australian question, that makes them anywhere from mildly annoying to plainly wrong.
OzCalc starts from the Australian case. The income year runs from 1 July to 30 June. Tax uses the resident brackets for 2026–27, with the low income tax offset and the Medicare levy applied the way the ATO applies them. Pay converts across weekly, fortnightly and monthly cycles using PAYG withholding, the same method as a payslip. Rent is advertised weekly and converted with a 52-week year. Fuel is litres per 100 kilometres. Business days respect the public holidays of the state you choose, because in Australia those are set state by state.
Where a figure is set by government we take it from the body that sets it — the ATO, Fair Work, or a state authority — and the page names that source, the period it applies to and the date we last reviewed it. That is also why a result is described as an estimate: the method is published, but your circumstances are not something a general tool can know.
How OzCalc works
An estimate you can inspect
A useful calculator should explain the result, not just display it. OzCalc shows the method and assumptions, uses dated official sources where rules affect the answer, and keeps the numbers you enter in your browser.
Read our publishing methodThe formula is visible
Variables, inclusions and known simplifications sit beside the result.
Sources carry dates
Regulated rates point to the relevant official source and review date.
Corrections are welcome
Every calculator links to a contact route if an assumption or rule needs attention.
Learn the method
Start with a guide
How Australian take-home pay is actually calculated
Follow a $95,000 salary from gross to bank account: PAYG withholding on each pay, year-end income tax, the low income tax offset and the Medicare levy.
Salary plus super versus a total package
Two job ads can quote the same number and pay thousands apart. How to tell which one includes superannuation, and how to compare them properly.
The superannuation guarantee, explained
What your employer must contribute in 2026–27, which earnings it applies to, when it has to be paid, and what the maximum contribution base does to high salaries.
Australian income tax brackets for 2026–27
The resident rates, what a marginal rate does and does not mean, and why moving into a higher bracket never reduces your take-home pay.
Common questions
Is OzCalc free, and do I need an account?
Every calculator and guide is free and there is no account. The numbers you type stay in your browser — they are not sent to a server or saved to a profile. Favourites and recently used tools are stored on your own device only.
Which financial year do the tax calculators use?
The current default is the 2026–27 income year, which runs from 1 July 2026 to 30 June 2027. Where a calculation is available for more than one year you can switch between them, and each page shows the ATO source and the date the figures were last reviewed.
Why does my payslip differ from the calculator by a few dollars?
Employers use PAYG withholding, which rounds each individual pay and assumes that pay is representative of the whole year. Year-end income tax is calculated once on your total taxable income. The two methods legitimately differ, which is part of why a tax return results in a refund or a bill.
Are the results advice I can rely on?
No. They are estimates produced by applying a published method to the figures you enter, and they cannot account for your deductions, other income, award, lender fees or energy tariff. Each page lists what it assumes and names the official source, so you can check anything important against the authority that sets it.
Where do the rates and thresholds come from?
Regulated figures come from the body that sets them: the ATO for income tax, the Medicare levy and surcharge, GST, study loan thresholds and the superannuation guarantee; the Fair Work Ombudsman for hours, leave and public holidays; and state authorities where the rule is set by state law, as with residential tenancies.
How do I report a wrong result or an out-of-date rate?
Use the contact page and name the calculator plus the inputs you used. Corrections are made in the underlying dataset, which updates every calculator and guide that depends on that figure along with the review date shown on the page.
Use the result as a starting point
Tax, super, lending, energy and workplace outcomes can depend on details a general calculator cannot know. Check the assumptions shown on the page, read the disclaimer, and confirm an important decision with the relevant official source or a qualified professional.