Guides

Common mistakes when working out annual leave in Australia, and how to get a result you can rely on.

Common mistakes when working out long service leave in Australia, and how to get a result you can rely on.

Common mistakes when working out redundancy pay in Australia, and how to get a result you can rely on.

Common mistakes when working out leave loading in Australia, and how to get a result you can rely on.

Common mistakes when working out pay rise in Australia, and how to get a result you can rely on.

Common mistakes when working out bonus tax in Australia, and how to get a result you can rely on.

Common mistakes when working out Medicare levy in Australia, and how to get a result you can rely on.

Common mistakes when working out HELP debt repayment in Australia, and how to get a result you can rely on.

Common mistakes when working out car expense deduction in Australia, and how to get a result you can rely on.

Common mistakes when working out work from home deduction in Australia, and how to get a result you can rely on.

Common mistakes when working out tax refund in Australia, and how to get a result you can rely on.

Common mistakes when working out marginal tax rate in Australia, and how to get a result you can rely on.

Common mistakes when working out overtime pay in Australia, and how to get a result you can rely on.

Common mistakes when working out salary to hourly in Australia, and how to get a result you can rely on.

Common mistakes when working out hourly to salary in Australia, and how to get a result you can rely on.

Common mistakes when working out salary sacrifice in Australia, and how to get a result you can rely on.

Common mistakes when working out pay in Australia, and how to get a result you can rely on.

Common mistakes when working out income tax in Australia, and how to get a result you can rely on.

Works out annual leave accrued for full-time and part-time employees. Includes the formula, a worked example with Australian figures and tips.

Estimates long service leave accrued and its value. Includes the formula, a worked example with Australian figures and tips.

Estimates minimum redundancy pay under the National Employment Standards. Includes the formula, a worked example with Australian figures and tips.

Calculates annual leave pay including the common 17.5% leave loading. Includes the formula, a worked example with Australian figures and tips.

Shows what a percentage pay rise means in dollars, before and after tax. Includes the formula, a worked example with Australian figures and tips.

Shows how much of a bonus you keep once it is added to your annual income. Includes the formula, a worked example with Australian figures and tips.

Calculates the 2% Medicare levy, including the low-income phase-in. Includes the formula, a worked example with Australian figures and tips.

Estimates your compulsory HELP (HECS) repayment for the year. Includes the formula, a worked example with Australian figures and tips.

Estimates a work car deduction using the cents per kilometre method. Includes the formula, a worked example with Australian figures and tips.

Works out a working-from-home deduction using the ATO fixed rate method. Includes the formula, a worked example with Australian figures and tips.

Estimates whether you will get a tax refund or owe money at tax time. Includes the formula, a worked example with Australian figures and tips.

Shows the tax bracket you are in and how much of your next dollar you keep. Includes the formula, a worked example with Australian figures and tips.

Calculates overtime earnings at time-and-a-half, double time or any other penalty rate. Includes the formula, a worked example with Australian figures and tips.

Breaks an annual salary down into an hourly, daily and weekly rate. Includes the formula, a worked example with Australian figures and tips.

Turns an hourly rate into weekly, fortnightly, monthly and annual gross income, plus an estimate of take-home pay. Includes the formula, a worked example with Australian figures and tips.

Shows how salary sacrificing into super changes your take-home pay and how much extra ends up in your fund. Includes the formula, a worked example with Australian figures and tips.

Converts a gross annual salary into take-home pay per year, month, fortnight and week after income tax and the Medicare levy. Includes the formula, a worked example with Australian figures and tips.

Estimates the income tax, low income tax offset and Medicare levy an Australian resident pays on a year of taxable income. Includes the formula, a worked example with Australian figures and tips.

Common mistakes when working out pension minimum drawdown in Australia, and how to get a result you can rely on.

Common mistakes when working out super fees comparison in Australia, and how to get a result you can rely on.

Common mistakes when working out FIRE number in Australia, and how to get a result you can rely on.

Common mistakes when working out retirement drawdown in Australia, and how to get a result you can rely on.

Common mistakes when working out retirement countdown in Australia, and how to get a result you can rely on.

Common mistakes when working out spouse super contribution tax offset in Australia, and how to get a result you can rely on.

Common mistakes when working out super co-contribution in Australia, and how to get a result you can rely on.

Common mistakes when working out concessional contributions cap in Australia, and how to get a result you can rely on.

Common mistakes when working out super contributions tax in Australia, and how to get a result you can rely on.

Common mistakes when working out retirement savings goal in Australia, and how to get a result you can rely on.

Common mistakes when working out superannuation balance in Australia, and how to get a result you can rely on.

Common mistakes when working out super guarantee in Australia, and how to get a result you can rely on.

Calculates the minimum yearly payment from an account-based pension. Includes the formula, a worked example with Australian figures and tips.

Compares how two super funds’ fees change your balance over time. Includes the formula, a worked example with Australian figures and tips.

Works out how much you need invested to retire early on your current spending. Includes the formula, a worked example with Australian figures and tips.

Estimates how long retirement savings last with a fixed yearly withdrawal. Includes the formula, a worked example with Australian figures and tips.

Counts down the years, months and pay cycles to your planned retirement. Includes the formula, a worked example with Australian figures and tips.

Calculates the tax offset for contributing to a low-income spouse’s super. Includes the formula, a worked example with Australian figures and tips.

Estimates the government co-contribution for after-tax super contributions. Includes the formula, a worked example with Australian figures and tips.

Checks whether your before-tax super contributions fit under the annual cap. Includes the formula, a worked example with Australian figures and tips.

Shows the tax your fund deducts from concessional (before-tax) contributions. Includes the formula, a worked example with Australian figures and tips.

Estimates the lump sum you need at retirement to fund your spending. Includes the formula, a worked example with Australian figures and tips.

Projects your super balance at retirement from today’s balance, contributions, returns and fees. Includes the formula, a worked example with Australian figures and tips.

Calculates the employer super guarantee on your ordinary time earnings. Includes the formula, a worked example with Australian figures and tips.

Common mistakes when working out first home super saver in Australia, and how to get a result you can rely on.

Common mistakes when working out property purchase costs in Australia, and how to get a result you can rely on.

Common mistakes when working out home equity in Australia, and how to get a result you can rely on.

Common mistakes when working out split home loan in Australia, and how to get a result you can rely on.

Common mistakes when working out Interest-Only vs principal and interest in Australia, and how to get a result you can rely on.

Common mistakes when working out rent affordability in Australia, and how to get a result you can rely on.

Common mistakes when working out rent vs buy in Australia, and how to get a result you can rely on.

Common mistakes when working out home loan refinance in Australia, and how to get a result you can rely on.

Common mistakes when working out capital gains tax in Australia, and how to get a result you can rely on.

Common mistakes when working out negative gearing in Australia, and how to get a result you can rely on.

Common mistakes when working out rental yield in Australia, and how to get a result you can rely on.

Common mistakes when working out offset account in Australia, and how to get a result you can rely on.

Common mistakes when working out extra mortgage repayments in Australia, and how to get a result you can rely on.

Common mistakes when working out LVR in Australia, and how to get a result you can rely on.

Common mistakes when working out home deposit savings in Australia, and how to get a result you can rely on.

Common mistakes when working out stamp duty in Australia, and how to get a result you can rely on.

Common mistakes when working out borrowing power in Australia, and how to get a result you can rely on.

Common mistakes when working out mortgage repayment in Australia, and how to get a result you can rely on.

Estimates the benefit of saving a first home deposit through super under the FHSS scheme. Includes the formula, a worked example with Australian figures and tips.

Adds up the upfront costs of buying a property on top of your deposit. Includes the formula, a worked example with Australian figures and tips.

Calculates your home equity and how much of it lenders will usually let you use. Includes the formula, a worked example with Australian figures and tips.

Calculates repayments on a home loan split between fixed and variable rates. Includes the formula, a worked example with Australian figures and tips.

Compares interest-only repayments with principal and interest over the life of a loan. Includes the formula, a worked example with Australian figures and tips.

Shows how much rent you can afford using the 30% of income rule. Includes the formula, a worked example with Australian figures and tips.

Compares the first-year cost of renting with buying a home. Includes the formula, a worked example with Australian figures and tips.

Shows whether refinancing to a lower rate is worth the switching costs. Includes the formula, a worked example with Australian figures and tips.

Estimates capital gains tax on selling property or shares. Includes the formula, a worked example with Australian figures and tips.

Estimates the tax saving and real weekly cost of a negatively geared property. Includes the formula, a worked example with Australian figures and tips.

Calculates gross and net rental yield on an investment property. Includes the formula, a worked example with Australian figures and tips.

Calculates interest and time saved by keeping money in an offset account. Includes the formula, a worked example with Australian figures and tips.

Shows how much interest and time extra home loan repayments save. Includes the formula, a worked example with Australian figures and tips.

Calculates your loan-to-value ratio and whether lenders mortgage insurance is likely. Includes the formula, a worked example with Australian figures and tips.

Works out how long it will take to save a home deposit. Includes the formula, a worked example with Australian figures and tips.

Estimates NSW transfer (stamp) duty on a property purchase. Includes the formula, a worked example with Australian figures and tips.

Estimates how much a lender may let you borrow based on income and expenses. Includes the formula, a worked example with Australian figures and tips.

Calculates principal and interest home loan repayments and total interest. Includes the formula, a worked example with Australian figures and tips.

Common mistakes when working out Debt-to-Income ratio in Australia, and how to get a result you can rely on.

Common mistakes when working out balloon payment in Australia, and how to get a result you can rely on.

Common mistakes when working out simple interest loan in Australia, and how to get a result you can rely on.

Common mistakes when working out credit card minimum repayment in Australia, and how to get a result you can rely on.

Common mistakes when working out loan payoff time in Australia, and how to get a result you can rely on.

Common mistakes when working out loan comparison in Australia, and how to get a result you can rely on.

Common mistakes when working out debt consolidation in Australia, and how to get a result you can rely on.

Common mistakes when working out credit card payoff in Australia, and how to get a result you can rely on.

Common mistakes when working out personal loan in Australia, and how to get a result you can rely on.

Common mistakes when working out car loan in Australia, and how to get a result you can rely on.

Calculates your debt-to-income ratio, a key test for home loan approval. Includes the formula, a worked example with Australian figures and tips.

Compares repayments with and without a balloon payment. Includes the formula, a worked example with Australian figures and tips.

Calculates interest on a flat-rate or simple interest loan. Includes the formula, a worked example with Australian figures and tips.

Shows how long a credit card takes to clear if you only pay the minimum. Includes the formula, a worked example with Australian figures and tips.

Works out how long it takes to repay a loan at a chosen monthly payment. Includes the formula, a worked example with Australian figures and tips.

Compares the total cost of two loans with different rates and fees. Includes the formula, a worked example with Australian figures and tips.

Compares your current debts with a single consolidation loan. Includes the formula, a worked example with Australian figures and tips.

Shows how long it takes to clear a credit card at a fixed monthly payment. Includes the formula, a worked example with Australian figures and tips.

Calculates personal loan repayments including upfront and monthly fees. Includes the formula, a worked example with Australian figures and tips.

Calculates car loan repayments, with or without a balloon payment. Includes the formula, a worked example with Australian figures and tips.

Common mistakes when working out net worth in Australia, and how to get a result you can rely on.

Common mistakes when working out bonus saver account in Australia, and how to get a result you can rely on.

Common mistakes when working out effective annual rate in Australia, and how to get a result you can rely on.

Common mistakes when working out emergency fund in Australia, and how to get a result you can rely on.

Common mistakes when working out CAGR in Australia, and how to get a result you can rely on.

Common mistakes when working out ROI in Australia, and how to get a result you can rely on.

Common mistakes when working out share profit in Australia, and how to get a result you can rely on.

Common mistakes when working out franking credits in Australia, and how to get a result you can rely on.

Common mistakes when working out inflation in Australia, and how to get a result you can rely on.

Common mistakes when working out simple interest in Australia, and how to get a result you can rely on.

Common mistakes when working out term deposit in Australia, and how to get a result you can rely on.

Common mistakes when working out savings goal in Australia, and how to get a result you can rely on.

Common mistakes when working out compound interest in Australia, and how to get a result you can rely on.

Adds up assets and debts to calculate your net worth. Includes the formula, a worked example with Australian figures and tips.

Shows interest earned on a bonus saver account when you miss some months. Includes the formula, a worked example with Australian figures and tips.

Converts a nominal interest rate into an effective annual rate. Includes the formula, a worked example with Australian figures and tips.

Works out how big your emergency fund should be. Includes the formula, a worked example with Australian figures and tips.

Calculates the compound annual growth rate between two values. Includes the formula, a worked example with Australian figures and tips.

Calculates total and annualised return on investment. Includes the formula, a worked example with Australian figures and tips.

Calculates profit or loss on a share trade after brokerage. Includes the formula, a worked example with Australian figures and tips.

Calculates franking credits and the tax on Australian dividends. Includes the formula, a worked example with Australian figures and tips.

Shows how inflation changes prices and purchasing power over time. Includes the formula, a worked example with Australian figures and tips.

Calculates simple interest on a sum of money. Includes the formula, a worked example with Australian figures and tips.

Calculates interest earned on a term deposit paid at maturity. Includes the formula, a worked example with Australian figures and tips.

Works out how much to save each month to reach a goal by a deadline. Includes the formula, a worked example with Australian figures and tips.

Shows how savings grow with monthly compounding and regular contributions. Includes the formula, a worked example with Australian figures and tips.

Common mistakes when working out Gross-Up in Australia, and how to get a result you can rely on.

Common mistakes when working out sales commission in Australia, and how to get a result you can rely on.

Common mistakes when working out company tax in Australia, and how to get a result you can rely on.

Common mistakes when working out sole trader tax in Australia, and how to get a result you can rely on.

Common mistakes when working out cash runway in Australia, and how to get a result you can rely on.

Common mistakes when working out depreciation in Australia, and how to get a result you can rely on.

Common mistakes when working out discount in Australia, and how to get a result you can rely on.

Common mistakes when working out employee cost in Australia, and how to get a result you can rely on.

Common mistakes when working out contractor hourly rate in Australia, and how to get a result you can rely on.

Common mistakes when working out Break-Even in Australia, and how to get a result you can rely on.

Common mistakes when working out markup in Australia, and how to get a result you can rely on.

Common mistakes when working out profit margin in Australia, and how to get a result you can rely on.

Common mistakes when working out GST in Australia, and how to get a result you can rely on.

Works out the gross amount needed to receive a set amount after tax. Includes the formula, a worked example with Australian figures and tips.

Calculates commission earnings and total pay. Includes the formula, a worked example with Australian figures and tips.

Calculates company tax at the base rate entity or full company rate. Includes the formula, a worked example with Australian figures and tips.

Estimates tax for a sole trader, including the small business income tax offset. Includes the formula, a worked example with Australian figures and tips.

Shows how many months your business can operate on its current cash. Includes the formula, a worked example with Australian figures and tips.

Calculates depreciation using the ATO prime cost and diminishing value methods. Includes the formula, a worked example with Australian figures and tips.

Calculates the sale price and savings from a percentage discount. Includes the formula, a worked example with Australian figures and tips.

Estimates the full cost of employing someone, including super and on-costs. Includes the formula, a worked example with Australian figures and tips.

Works out the hourly rate a contractor or freelancer needs to charge. Includes the formula, a worked example with Australian figures and tips.

Calculates how many units you need to sell to cover your costs. Includes the formula, a worked example with Australian figures and tips.

Works out a selling price from cost and markup percentage. Includes the formula, a worked example with Australian figures and tips.

Calculates gross profit, margin and markup from cost and price. Includes the formula, a worked example with Australian figures and tips.

Adds or removes 10% GST from any amount. Includes the formula, a worked example with Australian figures and tips.

Common mistakes when working out running pace in Australia, and how to get a result you can rely on.

Common mistakes when working out standard drinks in Australia, and how to get a result you can rely on.

Common mistakes when working out heart rate zone in Australia, and how to get a result you can rely on.

Common mistakes when working out pregnancy due date in Australia, and how to get a result you can rely on.

Common mistakes when working out water intake in Australia, and how to get a result you can rely on.

Common mistakes when working out ideal weight in Australia, and how to get a result you can rely on.

Common mistakes when working out body fat in Australia, and how to get a result you can rely on.

Common mistakes when working out daily kilojoule needs in Australia, and how to get a result you can rely on.

Common mistakes when working out BMR in Australia, and how to get a result you can rely on.

Common mistakes when working out BMI in Australia, and how to get a result you can rely on.

Converts a running time and distance into pace and speed. Includes the formula, a worked example with Australian figures and tips.

Calculates Australian standard drinks from volume and alcohol percentage. Includes the formula, a worked example with Australian figures and tips.

Calculates heart rate training zones using the Karvonen method. Includes the formula, a worked example with Australian figures and tips.

Estimates a due date from the first day of the last menstrual period. Includes the formula, a worked example with Australian figures and tips.

Estimates daily fluid needs from body weight and exercise. Includes the formula, a worked example with Australian figures and tips.

Gives a healthy weight range for your height. Includes the formula, a worked example with Australian figures and tips.

Estimates body fat percentage using the US Navy tape-measure method. Includes the formula, a worked example with Australian figures and tips.

Estimates daily energy needs in kilojoules based on activity level. Includes the formula, a worked example with Australian figures and tips.

Estimates the energy your body uses at rest, in kilojoules and calories. Includes the formula, a worked example with Australian figures and tips.

Calculates body mass index for adults using metric units. Includes the formula, a worked example with Australian figures and tips.

Common mistakes when working out days between dates in Australia, and how to get a result you can rely on.

Common mistakes when working out age in Australia, and how to get a result you can rely on.

Common mistakes when working out solar payback in Australia, and how to get a result you can rely on.

Common mistakes when working out electricity cost in Australia, and how to get a result you can rely on.

Common mistakes when working out fuel cost in Australia, and how to get a result you can rely on.

Common mistakes when working out percentage in Australia, and how to get a result you can rely on.

Counts the days, weeks and weekdays between two dates. Includes the formula, a worked example with Australian figures and tips.

Calculates exact age in years, months and days. Includes the formula, a worked example with Australian figures and tips.

Estimates how long a rooftop solar system takes to pay for itself. Includes the formula, a worked example with Australian figures and tips.

Works out how much an appliance costs to run. Includes the formula, a worked example with Australian figures and tips.

Calculates the fuel cost of a road trip or commute. Includes the formula, a worked example with Australian figures and tips.

Solves the most common percentage questions in one place. Includes the formula, a worked example with Australian figures and tips.