Money decisions that cross more than one calculator — worked through with current Australian rates.
Turn a home price into the upfront cash, monthly repayment and gross household income it needs. Compare one or two incomes, HELP debt, 5%–20% deposits and the APRA-buffered repayment.
Income tax and HELP stay individual, but family MLS combines the right parts of both incomes. See both assessments, test the 2026–27 thresholds, and compare the same super contribution through either partner.
A $15,000 salary sacrifice does not cost the same as a $15,000 bank deposit. Compare equal take-home costs, estimate the after-tax FHSS release, and connect both paths to a home deposit plus stamp duty.
The $75,000 GST line follows turnover, income tax follows profit, and no employer automatically funds your super. Model all three without mistaking revenue for spendable cash.
A second job has no special tax rate, but two payrolls cannot see your combined income. Calculate what the extra wage leaves after tax, Medicare and HELP — and whether scheduled withholding may still leave a bill.
A $10,000 salary sacrifice does not cost the same as a $10,000 mortgage or HELP payment. This calculator equalises the take-home cost, then shows the interest, tax, indexation, access and risk trade-offs.
A higher tax bracket cannot make a normal raise cost you money, and HELP is now marginal. But the Medicare Levy Surcharge is a genuine cliff: cross a tier without hospital cover and a small raise can reduce annual take-home. Calculate the full before-and-after result.
A bonus is taxed at your marginal rate — but for most full-time earners the rate that actually comes off it lands between 32% and 58% once the Medicare levy, the surcharge and your HELP repayment stack up. Here is what a bonus is really worth, and what each of the three things people do with it leaves behind.