# CalculatorQuest

> Free Australian pay, tax, super, HECS-HELP and property calculators. Tax figures are for the 2026-27 financial year, taken from the ATO with the source linked on each page, and were last checked on 2026-10-12. Results are estimates, not tax or financial advice.

Calculations run in the browser. Each calculator page states its assumptions; the methodology page lists every formula and source.

## Main calculators
- [Pay Calculator Australia 2026-27](https://calculatorquest.com.au/pay-calculator): Work out your take-home pay after income tax, Medicare levy, HECS and super using 2026-27 ATO rates. Weekly, fortnightly and monthly results, free.
- [Tax Refund Calculator Australia 2026-27](https://calculatorquest.com.au/tax-refund): Estimate your tax refund or the amount you owe by comparing PAYG tax withheld with tax payable at 2026-27 rates. Free, private and no sign-up needed.
- [HECS Repayment Calculator Australia 2026-27](https://calculatorquest.com.au/hecs-debt): See how much of your HECS-HELP debt is repaid through your pay each year and how long it takes to clear, using 2026-27 repayment thresholds.
- [Salary Sacrifice Calculator Australia 2026-27](https://calculatorquest.com.au/salary-sacrifice): Compare salary sacrificing into super with taking cash: see your tax saving, the change in take-home pay and how much more reaches your super fund.
- [Medicare Levy Surcharge Calculator Australia 2026-27](https://calculatorquest.com.au/medicare-levy-surcharge-calculator): Check whether you pay the Medicare levy surcharge without private hospital cover, which tier applies to your income, and what it costs you each year.
- [Contractor Tax Calculator Australia 2026-27](https://calculatorquest.com.au/contractor-tax-calculator): Estimate income tax, Medicare levy, GST and quarterly PAYG instalments on ABN contractor or sole trader income using 2026-27 individual tax rates.
- [Redundancy Pay Calculator Australia](https://calculatorquest.com.au/redundancy-calculator): Estimate National Employment Standards redundancy pay by years of service, the tax-free genuine redundancy amount and tax on the rest of your payout.
- [Novated Lease Calculator Australia 2026-27](https://calculatorquest.com.au/novated-lease-calculator): Compare the true cost of a novated car lease with buying outright, including pre-tax savings, GST credits, FBT and the electric vehicle FBT exemption.
- [Capital Gains Tax Calculator Australia 2026-27](https://calculatorquest.com.au/capital-gains-tax-calculator): Estimate capital gains tax on shares or an investment property, including the 50% CGT discount for assets held over 12 months and your marginal rate.
- [Negative Gearing Calculator Australia 2026-27](https://calculatorquest.com.au/negative-gearing-calculator): Estimate the tax benefit of a negatively geared investment property at your marginal rate and the true weekly cost of holding it after the tax saving.
- [Stamp Duty Calculator Australia](https://calculatorquest.com.au/stamp-duty-calculator): Calculate stamp duty (transfer duty) on a property purchase in any Australian state or territory, including first home buyer exemptions and concessions.
- [Mortgage Calculator Australia](https://calculatorquest.com.au/mortgage): Calculate home loan repayments weekly, fortnightly or monthly, the total interest over the loan and how extra repayments shorten your mortgage term.
- [Retirement Calculator Australia](https://calculatorquest.com.au/retirement-calculator): Estimate whether your super and savings will fund the retirement income you want, how long your money lasts and how much more you may need to save.

## Salary lookups
- [Salary After Tax Australia 2026-27](https://calculatorquest.com.au/salary-after-tax): Take-home pay after income tax and Medicare levy for Australian salaries from $45,000 to $250,000 in 2026-27, with weekly, monthly and yearly figures.

## Methodology and sources
- [How Our Calculators Work: Formulas and Sources](https://calculatorquest.com.au/about/methodology): How each CalculatorQuest calculator works: formulas, assumptions, the ATO sources behind every rate, how figures are checked and how to report errors.
- [About Us](https://calculatorquest.com.au/about): What CalculatorQuest is, how our Australian pay, tax and property calculators work, how we check rates against official sources and how to contact us.

## Guides
- [How to Calculate Take-Home Pay Australia 2026-27](https://calculatorquest.com.au/blog/how-to-calculate-take-home-pay-australia-2026-27): Work out your 2026-27 take-home pay step by step using the new 15% lower tax rate, the Medicare levy, HECS repayments and super, with worked examples.
- [Australian Tax Brackets 2026-27: Rates & Thresholds](https://calculatorquest.com.au/blog/australian-tax-brackets-explained-2026-27): The 2026-27 resident income tax brackets, including the lower 15% rate, how marginal rates apply to each band and worked examples at common incomes.
- [Marginal Tax Rate Australia 2026-27: Full Guide](https://calculatorquest.com.au/blog/marginal-tax-rate-australia-2026-27): Find your 2026-27 marginal tax rate, see how it compares with your effective rate, and learn how it affects overtime, bonuses and deductions you claim.
- [HECS Repayment Australia 2026-27: Rates & Examples](https://calculatorquest.com.au/blog/hecs-repayment-2026-27-guide): How compulsory HECS-HELP repayments are worked out for 2026-27, how the marginal system applies above the threshold and what it means for your pay.
- [Medicare Levy & Surcharge Explained (Australia)](https://calculatorquest.com.au/blog/medicare-levy-surcharge-explained): The difference between the 2% Medicare levy and the Medicare levy surcharge, who pays each one, the low-income reduction and how they are calculated.
- [Salary Sacrifice vs Extra Super Contributions](https://calculatorquest.com.au/blog/salary-sacrifice-vs-extra-super-contributions): Compare salary sacrifice, personal deductible and after-tax super contributions: how each is taxed, the contribution caps and which suits your income.

## Optional
- [HECS Indexation Calculator Australia](https://calculatorquest.com.au/hecs-indexation-calculator): Estimate how the annual 1 June indexation changes your HELP debt balance and how much a voluntary repayment made before indexation could save you.
- [Overtime & Penalty Rates Calculator Australia](https://calculatorquest.com.au/overtime): Calculate overtime pay at time-and-a-half and double time, weekend and public holiday penalty rates and casual loading on your Australian hourly rate.
- [Shift Work Pay Calculator Australia](https://calculatorquest.com.au/shift-calculator): Add up shift hours across a roster and estimate pay including night, weekend and public holiday loadings. Useful for nurses, retail and hospitality.
- [GST Calculator Australia](https://calculatorquest.com.au/gst-calculator): Add 10% GST to a price or remove GST from a GST-inclusive amount in one step. Shows the GST component and exclusive price for quotes and invoices.
- [Age Pension Calculator Australia](https://calculatorquest.com.au/pension-calculator): Estimate your Age Pension under the income and assets tests, see which test reduces your payment, and check your eligibility age before you apply.
- [Land Tax Calculator Australia](https://calculatorquest.com.au/land-tax-calculator): Estimate annual land tax on an investment property by state from the taxable land value, and see how the thresholds and rates change what you pay.
- [Payday Super Calculator: Super Due Each Payday](https://calculatorquest.com.au/payday-super-calculator): Work out the super guarantee due on each payday under Payday Super from 1 July 2026, what counts as qualifying earnings and when the fund must receive it.
- [Home Loan Comparison Calculator Australia](https://calculatorquest.com.au/loan-comparison): Compare two home loans side by side: repayments, total interest, fees and comparison rate, so you can see which mortgage costs less over its full term.
- [Refinance Calculator Australia](https://calculatorquest.com.au/refinance-calculator): Work out how much refinancing your home loan could save each month and over the loan, after switching costs, and how long it takes to break even.
- [Home Equity Calculator Australia](https://calculatorquest.com.au/equity-loan-calculator): Estimate the usable equity in your home at an 80% loan-to-value ratio and how much you could borrow against it for renovations or an investment.
- [Car Loan Calculator Australia](https://calculatorquest.com.au/car-loan-calculator): Calculate car loan repayments weekly, fortnightly or monthly, the total interest paid and the effect of a balloon payment or a larger deposit.
- [Business Loan Calculator Australia](https://calculatorquest.com.au/business-loan-calculator): Calculate repayments and total interest on a business loan or equipment finance, and compare terms to see what your business can afford each month.
- [Boat Loan Calculator Australia](https://calculatorquest.com.au/boat-loan-calculator): Estimate boat or marine loan repayments, total interest and the full cost of finance, and compare loan terms before you buy a boat or jet ski.
- [Loan Repayment Calculator Australia](https://calculatorquest.com.au/loan-repayment-calculator): Calculate your repayments on any personal or fixed-term loan, the total interest you pay and a year-by-year breakdown of principal and interest.
- [Rental Yield Calculator Australia](https://calculatorquest.com.au/rental-yield-calculator): Calculate gross and net rental yield on an investment property from weekly rent, purchase price and annual costs, and compare it with other options.
- [Rent vs Buy Calculator Australia](https://calculatorquest.com.au/rent-vs-buy-calculator): Compare renting and investing the difference with buying a home, including stamp duty, interest, growth and ongoing costs, to see which leaves you ahead.
- [Investment Calculator Australia](https://calculatorquest.com.au/investment): Project how an investment grows with regular contributions and compound returns, and see how much of the final balance comes from earnings alone.
- [Compound Interest Calculator Australia](https://calculatorquest.com.au/compound-interest): Calculate compound interest on savings with daily, monthly or yearly compounding and regular deposits, and see your balance grow year by year.
- [Simple Interest Calculator](https://calculatorquest.com.au/simple-interest-calculator): Calculate simple interest on a loan or deposit from the principal, annual rate and term, with the formula shown so you can check the working yourself.
- [Savings Goal Calculator Australia](https://calculatorquest.com.au/savings-calculator): Find out how long it takes to reach a savings goal, or how much to save each week or month, with interest included. Useful for a home deposit or trip.
- [Retirement Age Calculator Australia](https://calculatorquest.com.au/retirement-age-calculator): Check your Age Pension age and super preservation age from your date of birth, and estimate the earliest age your savings would let you retire.
- [FIRE Calculator Australia](https://calculatorquest.com.au/fire-calculator): Calculate your financial independence number from your spending and withdrawal rate, and how many years of saving it takes to reach early retirement.
- [ROI Calculator](https://calculatorquest.com.au/roi-calculator): Calculate return on investment as a total and annualised percentage from the amount invested and the final value, for shares, property or a business.
- [Annuity Calculator](https://calculatorquest.com.au/annuity-calculator): Calculate the regular payment from a lump sum, or the present and future value of a stream of payments, for retirement income and investment planning.
- [Discount & Sale Price Calculator](https://calculatorquest.com.au/discount-calculator): Work out the sale price after a percentage discount, the amount saved, or the original price before a discount. Also calculates cost price and markup.
- [Profit Margin Calculator](https://calculatorquest.com.au/profit-margin-calculator): Calculate gross and net profit margin and markup from cost and selling price, or find the selling price you need to hit a target margin on a product.
- [Depreciation Calculator Australia](https://calculatorquest.com.au/depreciation-calculator): Calculate depreciation using the diminishing value or prime cost method and produce a year-by-year schedule of decline in value for a business asset.
- [WACC Calculator](https://calculatorquest.com.au/wacc-calculator): Calculate the weighted average cost of capital from the cost of equity, after-tax cost of debt and capital structure, for valuations and investment.
- [All calculators](https://calculatorquest.com.au/calculators)
- [Blog](https://calculatorquest.com.au/blog)