Australian money decisions, shown step by step
Free, independent calculators for franked dividends, novated leases, investment property, negative gearing, capital gains tax, superannuation, a first home, mortgage debt, investing and retirement. Every statutory figure is dated, sourced and separated from the assumptions you control.
Australian calculators
Novated lease calculator
Compare payroll cost, ECM or EV treatment, FBT, RFBA, provider-cost gaps and the residual against buying the same car in cash.
Open calculator →Investment property
Calculate rental yield, loan cash flow, tax impact, break-even rent, 2027 quarantined losses and projected owner equity.
Open calculator →Capital gains tax calculator
Audit all five cost-base categories, ownership share, capital losses, the 50% discount, tax-bracket stacking and net sale cash.
Open calculator →Franking credit calculator
Use statement figures or a 25%/30% estimate, then compare assessable income, the franking offset and a narrow resident tax effect.
Open calculator →Mortgage offset calculator
Use the same monthly cash budget across all three choices and calculate the gross investment break-even return.
Open calculator →Salary sacrifice calculator
Employer super, five-year carry-forward cap room, take-home cost, HELP, Division 293 and projected balance.
Open calculator →Account-based pension calculator
Apply age-based minimum drawdowns each year and test monthly income, fees, inflation, depletion age and a sustainable starting amount.
Open calculator →First Home Super Saver calculator
Apply annual and lifetime limits, 85% release treatment, associated earnings and estimated release tax.
Open calculator →Division 293 tax calculator
The lesser-of formula, extra 15% tax, effective contributions tax and net amount remaining in super.
Open calculator →Super preservation age calculator
Find the preservation month, common condition-of-release path and indicative 4%–10% TTR payment range.
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.
Australian guides
Franking credits in Australia: the calculation from statement to tax
A statement-first guide to franked dividends, grossed-up income, tax offsets, refund limits and the eligibility questions a calculator cannot decide.
Novated lease vs cash in Australia: how to check the whole quote
Turn payroll deductions, tax, FBT or EV treatment, provider costs and the residual into one comparable ownership cost.
Negative Gearing Changes in Australia from 1 July 2027
What the enacted 2027–28 residential-property loss rules change, who is grandfathered and how quarantined losses move into later years.
How to Calculate Capital Gains Tax in Australia
A current-law 2026–27 workflow for dates, the five cost-base elements, loss ordering, the individual discount and tax-bracket stacking.
Transition to Retirement Pension Explained
A TTR pension can supplement income while working, but it is an income stream with annual limits—not unrestricted super access.
When Can I Access My Super in Australia?
Preservation age opens possible pathways, but unrestricted access usually needs retirement, leaving a job after 60, or age 65.
Minimum Pension Drawdown Rates for 2026–27
The complete age table, rounding rule and common first-year traps for an Australian account-based pension.
Mortgage Offset vs Extra Repayments vs Investing
A fair three-way comparison of interest avoided, liquidity retained and investment risk taken.
Division 293 Tax Explained
The $250,000 test taxes the lesser of low-tax contributions and the combined amount above the threshold.
Salary Sacrifice vs After-Tax Super Contributions
The contribution type changes tax, paperwork, cap use and take-home pay even when the same amount reaches your fund.
Carry-Forward Concessional Contributions in Australia
A practical audit trail for unused concessional cap amounts, eligibility and the order in which expiring cap room is used.
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.