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Transfer duty for NSW property — up to 7%, FHB exemption to $800k.

Victoria transfer duty — up to 6.5%, FHB exemption to $600k.

Queensland transfer duty — up to 5.75%, FHB concession to $700k.

South Australia conveyance duty — up to 5.5%.

Western Australia transfer duty — up to 5.15%, FHB nil duty to $600k.

Tasmania duty — up to 4.5%. First home buyer relief ended 30 June 2026.

Northern Territory duty — formula-based, flat 4.95% above $525k.

ACT conveyance duty — owner-occupier and investor scales, HBCS full exemption (no income test).

Monthly P&I plus full amortisation schedule.

Estimate your borrowing power based on income, expenses and the APRA buffer.

See how much an offset balance saves in interest and time.

Calculate interest saved and time cut by paying extra.

Compare your current rate against a new offer — break-even period.

Find the break-even point between fixed and variable rate loans.

Calculate the weighted average rate on a fixed/variable split loan.

Compare interest-only vs P&I total cost.

Estimate the break cost before exiting a fixed loan early.

Compare a one-off lump sum against regular extra repayments.

Stage 3 brackets, Medicare, LITO — full marginal tax breakdown.

Income + deductions → estimated refund or amount payable.

Per-pay-cycle PAYG withholding from your salary.

Medicare levy and low-income exemption check.

MLS for incomes over $93k without private health.

Income-tested private health insurance rebate.

Fixed-rate (70c/hr) or actual cost method.

Logbook % × total car expenses for work-related claims.

Pre-tax benefits and how they reduce taxable income.

After-tax comparison of contractor (ABN) vs employee.

Gross and net rental yield on an investment property.

How much you can borrow on your income (APRA buffer).

FHOG amounts and FHB concessions by state.

Estimate Lenders Mortgage Insurance costs.

Total upfront cost breakdown for property purchases.

Cashflow and tax effect on a geared investment property.

Division 40 + Division 43 depreciation schedule.

FIRB surcharge calculator for non-resident purchasers.

Value uplift vs renovation cost — does it pay off?

Calculate the tax saving from pre-tax super contributions.

Work out the 12% super your employer must pay each payday in 2026–27, with the $270,830 cap.

See the tax saving and retirement balance boost from extra contributions.

Project your super balance to retirement with compounding.

Government's 50c-per-$1 match for low-income earners.

Check remaining $32.5k concessional contribution cap.

Check after-tax contribution limits and bring-forward rule.

Extra 15% super tax for high-income earners over $250k.

Division 296: work out the extra 15% tax on super earnings above the $3 million line.

Minimum pension drawdown rates by age in retirement.

TTR strategy for ages 60–66 — boost super and ease into retirement.

Where to put extra cash — super, mortgage offset, or extra repayments.

$540 tax offset for contributions to a low-income spouse.

CGT on investment property sale — cost base, discount, taxable gain.

CGT on share sales including brokerage in cost base.

Tax difference between selling before and after 12 months.

Full or partial exemption when home was rented out.

CGT on crypto disposals including swaps and spending.

Universal CGT calculator for any asset type.

Compulsory HELP repayment by income band, current FY.

Annual indexation impact on your HELP debt balance.

Voluntary repayment vs investing — which wins?

Annual land tax for any state — progressive rate scales by jurisdiction.

Compound growth of savings and regular contributions.

Monthly contribution required to hit a target.

Months of expenses to keep as a buffer.

Time to clear at minimum payment + total interest.

Standard amortisation on a personal loan.

Car loan repayments + balloon payment option.

Which payoff strategy clears your debts fastest?

CPI impact on future buying power.

Imputation credit value on franked dividends.

DCA vs lump sum — which strategy wins on your assumptions?

Financial independence target — annual expenses × 25.

Maturity value of a fixed-term deposit.

Fee drag of an ETF over 10/20/30 years.

Cost vs expected return of leveraged investing.

Add or remove GST from any amount.

Derive your quarterly BAS from raw sales, plus a weekly set-aside planner.

Payroll tax for any state — wages × rate above threshold.

Compare after-tax outcome of sole trader vs Pty Ltd.

Fringe Benefits Tax at 47% on grossed-up benefits.

First-year tax saving from the instant asset write-off.

Day rate accounting for super, leave, admin, no-work.

Retirement date based on super, contributions, target income.

Shortfall between projected income and what you need.

Retirement after selling a business — small biz CGT concessions.

Fortnightly Age Pension under the income and assets tests, Sep 2026 rates.

Cover required to maintain family lifestyle if you pass away.

Gap between current cover and 70% of income.

Wealth model — act on advice levers vs do nothing.

Total assets minus liabilities — your net worth vs the ABS benchmarks.

Income minus expenses — your monthly surplus, savings rate and 50/30/20 split.

Your weekly and annual cost of living vs the average Australian household (ABS HES 2015-16).

Score your financial health across 10 categories.

Ranked priority list — what to tackle first.