Australian Finance
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Free calculators for property, tax, super, savings, and more. Built for Australians.
Novated Lease Calculator
Calculate your novated lease savings including FBT exemption for EVs, GST savings, and income tax benefits. Compare EV vs petrol with 2025-26 rates.
Latest Articles
Stamp Duty in NSW 2025-26: Rates, Exemptions & Calculator
Complete guide to NSW stamp duty rates for 2025-26. Find out what you'll pay, first home buyer exemptions, and how the property tax option works.
Stamp Duty in Victoria 2025-26: Rates, Concessions & Changes
How much stamp duty will you pay in Victoria? Full breakdown of VIC transfer duty rates, first home buyer concessions, and off-the-plan savings.
Stamp Duty in Queensland 2025-26: Rates, Thresholds & Exemptions
Everything you need to know about QLD transfer duty. Current rates, first home concessions, and how foreign buyers pay extra surcharges.
First Home Buyer Grants & Schemes in Australia 2025-26 (Every State)
Complete guide to every first home buyer grant, stamp duty concession, and government scheme available in Australia right now by state.
How Much Can I Borrow? Australian Home Loan Borrowing Power Explained
Find out how banks calculate your borrowing power in Australia. We break down income, expenses, HEM, and the 3% serviceability buffer.
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All tax calculations use current ATO rates and thresholds for 2025-26.
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Frequently Asked Questions
How much stamp duty will I pay in Australia?
Stamp duty (transfer duty) varies by state and territory, property value, and whether you are a first home buyer. Use our stamp duty calculator to get an estimate for your state.
What are the current Australian tax brackets?
For 2025-26, Australian resident tax rates are: 0% up to $18,200, 16% from $18,201-$45,000, 30% from $45,001-$135,000, 37% from $135,001-$190,000, and 45% over $190,000.
What is the superannuation rate in Australia?
The Superannuation Guarantee (SG) rate is 12% of ordinary time earnings for 2025-26. Employers must contribute this to your nominated super fund.
How much can I borrow for a mortgage?
Borrowing capacity depends on your income, expenses, existing debts, interest rates, and the lender's assessment criteria. Use our mortgage calculator to estimate your repayments.
What government grants are available for first home buyers?
First home buyers may be eligible for the First Home Owner Grant (FHOG), stamp duty concessions or exemptions, and the Home Guarantee Scheme (low deposit, no LMI). Eligibility varies by state.