Australian money decisions, shown step by step
Free, independent calculators for superannuation, a first home, mortgage debt, investing and retirement. Every statutory figure is dated, sourced and separated from the assumptions you control.
Australian calculators
Salary sacrifice super
Employer super, five-year carry-forward cap room, take-home cost, HELP, Division 293 and projected balance.
Open calculator →Division 293 tax
The lesser-of formula, extra 15% tax, effective contributions tax and net amount remaining in super.
Open calculator →First Home Super Saver
Apply annual and lifetime limits, 85% release treatment, associated earnings and estimated release tax.
Open calculator →Mortgage offset comparison
Use the same monthly cash budget across all three choices and calculate the gross investment break-even return.
Open calculator →Investment calculator
Project regular investing with fees, tax assumptions, inflation, bar charts and a shareable result.
Open calculator →Investment withdrawal
Model withdrawals, fee drag, tax, inflation and how long a portfolio may last.
Open calculator →The figures used to build the first page and the live slider result come from the same tested code.
Shareable plans, CSV files and print/PDF reports work without an account or email.
Exclusions are stated beside the result so an estimate never pretends to be an ATO, fund or lender decision.
Where to begin
If you are employed, begin with the salary-sacrifice calculator because employer super already consumes part of the concessional cap. High-income earners can then isolate the Division 293 formula. First-home buyers should copy voluntary contributions by financial year into the FHSS calculator. Homeowners deciding what to do with monthly surplus can compare offset, extra repayment and investing on equal cash flow.
Independent educational tools
GrowThenDraw does not sell a fund, mortgage or financial product. Results do not change for advertisers or partners. Assumptions remain editable and the official ATO or MoneySmart source is linked on every specialist page.