Built for Australians making real financial decisions
MoneyCalculator.com.au is a free resource providing accurate financial calculators and product comparisons to help Australians understand the true cost of mortgages, loans, leasing, tax and more.
Our Mission
Financial decisions are among the most important a person makes — and yet the tools available to most Australians are either too basic to be useful, too complex to be approachable, or hidden behind sign-up walls and sales funnels.
MoneyCalculator.com.au exists to change that. We build free, accurate and genuinely useful calculators that help everyday Australians understand exactly what their financial decisions will cost them — before they commit.
Every calculator on this site is built to Australian standards — using current ATO tax rates, RBA-aligned interest rate ranges, ASIC disclosure guidelines for comparison rates, and ATO benchmark figures for novated lease residuals. We update our tools and comparison data regularly to reflect current market conditions.
What We Cover
Home Loans
Mortgage repayment calculator, borrowing power estimator and live rate comparison from Australia's leading lenders.
Income Tax
2024–25 ATO tax calculator covering income tax, Medicare levy, HECS/HELP repayments, super and salary sacrifice for residents, non-residents and working holiday makers.
Credit Cards
Credit card repayment calculator showing the true cost of minimum repayments, plus comparison of rates, fees and rewards programs.
Personal Loans
Personal loan repayment calculator with term comparison, rate sensitivity analysis and comparison of bank and fintech lenders.
Car Loans
Car loan calculator showing true cost of ownership including insurance, fuel, registration and servicing — plus car loan rate comparison.
Novated Leases
Australia's most comprehensive free novated lease calculator covering FBT, ECM, GST savings, salary sacrifice and residual values — with provider comparison.
Our Data Sources
Accuracy and transparency are fundamental to how we operate. Here is where our data comes from:
Our income tax calculator uses the official 2024–25 ATO individual income tax rates and thresholds, Medicare levy rates, low income tax offset (LITO) schedules, HECS/HELP compulsory repayment thresholds and rates, and super guarantee rates. Source: ato.gov.au
Our mortgage and loan calculators follow ASIC guidelines for comparison rate calculations and disclosure requirements. We apply the standard comparison rate formula as specified under the National Credit Code. Source: moneysmart.gov.au
Our novated lease calculator uses ATO benchmark residual values by lease term, the current FBT rate (47%), Type 1 gross-up factor (2.0802), and the FBT statutory formula rate (20%). All figures are verified against current ATO publications.
Rates shown in our comparison tables are sourced directly from lender websites and updated regularly. Rates are indicative and may change at any time. We always recommend verifying current rates directly with the lender before applying.
Car running cost estimates (insurance, registration, fuel) are based on Australian average figures from publicly available data including the RAA, NRMA and state government fee schedules. Fuel prices are approximate and vary by location and time.
Calculator logic is reviewed and updated when ATO rates change (typically annually at the start of each financial year). Comparison table rates are reviewed and updated monthly. All update dates are displayed on relevant pages.
Editorial Standards
Accuracy first
Every calculator is tested against official ATO examples and cross-referenced with government publications before publication. We take calculation accuracy seriously.
No misleading results
We do not manipulate calculator outputs to make financial products look more attractive. Results reflect the actual mathematical outcome of the inputs provided.
Clear disclaimers
Every calculator includes clear disclaimers explaining that results are estimates only and do not constitute financial advice. We encourage users to verify with a licensed professional.
Sponsored content disclosure
Featured lenders in our comparison tables may pay a referral fee when a user applies. Featured listings are clearly labelled. Referral arrangements do not influence our calculator results or editorial content.
How MoneyCalculator.com.au is Funded
MoneyCalculator.com.au is free to use and always will be. The site is funded through two revenue streams:
Display advertising
We display advertising through Google AdSense and programmatic advertising partners. Ad content is controlled by Google and its partners — we do not accept direct advertising from financial product providers that would compromise our editorial independence.
Referral partnerships
When a user clicks through to a lender from our comparison tables and applies for a product, we may receive a referral fee from that lender. This does not affect the rates or information shown — all lenders are listed based on their product features, with featured placement clearly labelled.
Our funding model is designed so that our commercial interests do not conflict with our users' interests. We make money when users find and apply for appropriate products — not when we show misleading information.
Important Disclaimer
MoneyCalculator.com.au provides general financial information and calculators for educational purposes only. The information and calculations provided do not constitute financial advice, tax advice, legal advice or any other professional advice.
All calculator results are estimates based on the information you enter and the assumptions described on each page. Actual results will vary based on your individual circumstances, lender policies, and market conditions at the time of application.
Before making any financial decision — including taking out a loan, entering a lease, purchasing insurance or making changes to your superannuation — we strongly recommend consulting with a licensed financial adviser, mortgage broker, accountant or other qualified professional who can provide advice specific to your situation.
MoneyCalculator.com.au is not an Australian Financial Services Licence (AFSL) holder and does not provide licensed financial advice. Referral links to lenders and product providers are provided for informational purposes and do not constitute an endorsement of those products.
For free financial guidance, visit ASIC MoneySmart or call the National Debt Helpline on 1800 007 007.
Contact Us
Found an error in one of our calculators? Have a suggestion for a new tool? We take accuracy seriously and welcome feedback.
You can reach us at hello@moneycalculator.com.au
We aim to respond to all enquiries within 2 business days.