Aussie numbers, sorted in seconds.
Stamp duty, super, HECS, take-home pay — Australian state-by-state calculators with the actual formulas, current to the latest financial year.
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Property
11State-by-state stamp duty, transfer duty and property cost calculators.
- PropertyNew
NSW Stamp Duty Calculator (FHBAS + Foreign Surcharge)
Work out NSW transfer duty on a property purchase, with First Home Buyer Assistance, foreign purchaser surcharge and Premium Property Duty handled.
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VIC Stamp Duty Calculator (FHB + Foreign Surcharge)
Work out Victorian land transfer duty, with first home buyer concession, off-the-plan concession and the 8% foreign purchaser additional duty handled.
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QLD Stamp Duty Calculator (Home Concession + AFAD)
Estimate Queensland transfer duty on a property purchase, with the home concession, first home concession and 8% Additional Foreign Acquirer Duty handled.
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Stamp Duty Calculator WA 2025-26
Work out WA transfer duty with the 2025 metropolitan and regional first home buyer concessions, vacant land threshold and foreign buyer surcharge.
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Stamp Duty Calculator SA 2025-26 | First Home & FOS
Work out South Australian stamp duty with the new home first home buyer exemption, established home rates and 7% foreign ownership surcharge.
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NSW Land Tax Calculator (incl. Foreign Surcharge)
Estimate annual NSW land tax across multiple investment properties, including the premium threshold and the 5% foreign owner surcharge land tax.
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Land Tax Calculator VIC 2025-26 (with Absentee & VRLT)
Estimate VIC land tax with the $50,000 threshold, 4% absentee surcharge, 0.375% trust surcharge and Vacant Residential Land Tax. SRO 2025-26 rates.
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Land Tax Calculator QLD 2025-26 (Aggregation & Absentee)
Estimate Queensland land tax for FY2025-26 across multiple owners. Covers individual, company, trust, absentee thresholds and the 3% surcharge.
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Land Tax Calculator ACT 2025-26
Estimate ACT land tax with the $1,693 fixed charge, 5-year average unimproved value (AUV) bands and the 0.75% foreign owner surcharge. PPR exempt.
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Property Depreciation Calculator AU (Div 40 + Div 43)
Estimate Division 40 (plant & equipment) and Division 43 (capital works) deductions for an Australian investment property. Diminishing vs prime cost.
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Negative Gearing Calculator AU 2025-26
Work out the after-tax holding cost of an investment property: cash shortfall, tax refund from negative gearing and CGT exit position.
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Mortgage & finance
4Mortgages, repayments, refinancing and household budgeting in AUD.
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Redundancy Pay Calculator AU 2025-26
Work out your NES redundancy pay, the tax-free portion ($13,100 + $6,552 per year) and the taxable ETP. Updated for FY2025-26 thresholds.
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Salary Sacrifice Super Calculator AU 2025-26
Compare take-home pay and super balance with salary sacrifice. Includes the $30,000 concessional cap, Div 293 trigger and SG 12% for FY2025-26.
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First Home Super Saver Calculator AU 2025-26
Estimate your FHSS release amount, associated earnings and tax saving versus a regular savings account. Updated for the $50,000 cap.
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Super Carry-Forward Cap Calculator AU 2025-26
Work out your unused concessional contribution cap from the past 5 years, what expires on 30 June 2026, and the tax saving from catching up.
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Tax & duty
7Income tax, GST, working holiday tax and HECS-HELP repayments for the current financial year.
- Tax & dutyNew
HECS-HELP Repayment Calculator (FY2025-26)
Estimate your compulsory HECS-HELP repayment, see indexation impact and compare the legislated whole-income system against the proposed marginal system.
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Medicare Levy Surcharge Calculator + Break-even
Estimate your Medicare Levy Surcharge for the year and see at what point a basic private hospital cover policy is cheaper than paying the surcharge.
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NSW Payroll Tax Calculator 2025-26 | Threshold & Grouping
Estimate your NSW payroll tax with the $1.2M threshold, 5.45% rate, interstate wages apportionment and grouping rules. Sourced from Revenue NSW.
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Payroll Tax Calculator VIC 2025-26
Estimate Victorian payroll tax with the $1 million threshold, 4.85% metro and 4.95% regional rates, plus the phase-out for wages between $3m and $5m.
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QLD Payroll Tax Calculator 2025-26 (Mental Health Levy)
Work out your Queensland payroll tax with the $1.3M threshold, 4.75% rate, Mental Health Levy and regional employer discount for 2025-26.
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Division 293 Tax Calculator Australia 2025-26
Work out the extra 15% Division 293 super tax for high income earners. Combines taxable income, RFB, net loss and concessional contributions vs A$250,000.
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Working Holiday Tax Calculator AU 2025-26 (417/462)
Estimate tax for 417/462 working holiday makers: 15% on the first $45,000, marginal rates above, super guarantee and Medicare exemption explained.
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Family
1Childcare subsidy, school fees and family budgeting tools.
Calculators that go beyond the headline number.
Big bank tools and ATO estimators give you the headline figure. Ozisuma handles the state splits, the first-home concessions, the foreign-purchaser surcharges and the off-the-plan rules — with the source rate cards quoted on every page.