Guides & Analysis

Money decisions that cross more than one calculator — worked through with current Australian rates.

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Starting Work
9 min read

Your First Graduate Salary: Take-Home Pay, HELP and Salary Sacrifice

Enter your salary and months worked to see take-home pay, HELP and super. Compare a package including super and salary sacrifice.

Income taxHECS-HELPSuper
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First Home Buyers
11 min read

First Home Buyer Schemes 2026: Your FHSS, Grant, Duty and 5% Deposit Map

Enter a home price to map your deposit, FHSS money, grant, duty relief, LMI avoided and the loan left over.

First home buyersStamp dutyMortgageSuper
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Home Buying
10 min read

How Much Income Do You Need to Buy a House in Australia?

Enter a home price to see the income, upfront cash and monthly repayment. Compare one or two incomes and different deposits.

MortgageStamp dutyIncome taxHELP
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Household Tax
9 min read

Couples tax calculator: combined take-home, HELP and MLS

Enter both salaries to see your combined take-home, HELP repayments and Medicare Levy Surcharge.

Income taxMLSHELPSuper
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First Home Buyers
9 min read

First Home Super Saver vs a Savings Account: Is FHSS Worth It?

Compare FHSS with saving the same reduction in take-home pay in a bank account.

SuperIncome taxFirst home buyers
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Business & Tax
11 min read

Side Hustle Tax in Australia: GST, Income Tax and Super

Enter your salary, sales and business costs to estimate the GST and tax to put aside, then see how much cash is left before or after personal super.

Income taxGSTSuper
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Tax & Income
8 min read

Second Job Tax and HECS: What Will You Actually Keep?

Enter both jobs to see what the second income leaves after tax and HELP, and whether scheduled withholding may leave a bill.

Income taxHECS-HELPMedicare Levy Surcharge
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Money Decisions
9 min read

Mortgage, Super or HECS: Where Should Your Next $10,000 Go?

Enter your salary, mortgage and HELP balance to compare the same take-home cost across all three.

MortgageSuperHECS-HELPIncome tax
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Tax & Income
7 min read

Can a Pay Rise Leave You Worse Off? Tax, HELP and MLS

Enter your salary and pay rise to see what you'll keep after tax, Medicare, HELP and the Medicare Levy Surcharge.

Income taxHECS-HELPMedicare Levy Surcharge
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Tax & Income
10 min read

Bonus Tax: Take Cash, Put It Into Super or Pay Down HECS?

See what your bonus leaves after tax, why your payslip may withhold more and when cash, super or a HELP repayment makes sense.

Income taxSuperHECS-HELP
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