Australian finance calculators, run the number.
The same engines that run inside the PFO app, live all year. Nothing is stored, and the maths never leaves your browser.
Tax, Medicare, LITO and take-home for 2026-27, resident, foreign or working-holiday.
Repayment at any frequency, plus total interest over the life of the loan.
Transfer duty by state, with first-home concessions and grants. All 8 states.
Vehicle stamp duty in every state and territory, with engine, emissions and EV rules.
Repayment on the new marginal system, plus a payoff-time estimate.
How much you could borrow, assessed with APRA’s 3% serviceability buffer.
How much an offset really shaves off your mortgage interest and term.
CGT on shares or property, with the 50% discount, at your marginal rate.
Super tax savings for 2026-27 and the $32,500 concessional cap.
Deposit, rates, growth and opportunity cost over time.
WFH hours, car and the common work-related claims.