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Australian tax, super & HECS calculators

Free, no-sign-up calculators that run the same Australian pay model as FinanceOS - take-home pay, HECS/HELP and the current ATO tax rates. Save any result to a free workspace to track it across the year.

Calculators

Take-home pay calculator

Break down your salary into take-home pay, income tax, Medicare levy, HELP/HECS and employer super - the core FinanceOS pay model.

HECS/HELP repayment calculator

Your compulsory HECS-HELP repayment on current ATO marginal rates, plus indexation and an estimated payoff.

Guides

Australian tax brackets 2026-27

The resident income tax rates, thresholds, Medicare levy, and HELP bands for the 2026-27 financial year.

Save this to your FinanceOS dashboard

Create a free workspace to keep these numbers, track them across the financial year, and model salary sacrifice, extra super, and HELP timing with your own figures. Built for Australia on current ATO rates.

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Estimate only - based on the figures you enter and the assumptions shown. General information, not financial, tax, or legal advice.

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General information only.Not financial, tax, investment, or legal advice.