Built for Australians

Financial calculators that actually make sense.

Free tools built for Australian families. Real numbers, plain English explanations, and no sign-up required.

7 calculatorsSuper, property, equity and shares
8 states and territoriesStamp duty for every one
Official ratesDated and linked to the source
Every step shownSo you can check the maths

Super and retirement

Compare your options and see where your super could land.

SuperMortgage

Super vs Home Loan

Compare extra mortgage repayments with extra super, to age 67.

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SuperRetirement

Super Projection

Project your super and your partner's, with early retirement and the ATO minimum pension.

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Property and stamp duty

Equity, deposits and the cost of buying.

Every stateConcessions

Stamp Duty

Duty for every state, with first home buyer concessions.

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Home equityLVR

Usable Equity

How much equity you have, and how much you could borrow.

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Home equityProjection

Equity Growth

See your equity build as the loan falls and values change.

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DepositStamp duty

Next Property

Could your equity and savings cover another purchase?

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Stamp duty by state

What an $800,000 home costs in each state or territory.

NSW$30,187FHB $0VIC$43,070QLD$21,850WA$32,316SA$37,830TAS$31,185ACT$22,158FHB $0NT$39,600

Same home, very different duty

Owner-occupier buying an established home for $800,000, using each state's published rates as at 11 October 2026. Select a state for its rate table, first home buyer rules and worked examples.

$21,850Lowest: Queensland
$43,070Highest: Victoria
Lower dutyHigher duty

A green FHB $0 tag means a first home buyer pays no duty at this price.

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Investing, and what is next

Margin loans today. Income tax and estate planning are on the way.

SharesMargin call

Share Equity

Your equity, borrowing room and margin call buffer.

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Income tax calculatorTake-home pay, Medicare levy, HECS repayments and your effective tax rate.Coming soon

Estate plannerWhat passes by will, by super and by jointly held assets.Coming soon

Built to be checked

Why you can rely on the numbers.

Sourced and datedStamp duty rates come from each state revenue office. Super caps and pension minimums follow the ATO.
No black boxesEach calculator shows its working, with notes on what it includes and leaves out.
Runs in your browserNo sign-up needed. General information only, not financial advice.

Keep it all in one private place

Store your property, loans, super and insurance details in FamilyVault, and share them with your partner or solicitor when it matters.

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