Stamp duty, super, HECS, mortgage, tax and more.
No jargon. No American defaults.
Enter savings, rent & house price. Shows stamp duty, repayments vs rent, and if you can make the jump.
Compare renting vs buying over 1–10 years. Uses CBA & Westpac city forecasts.
PropertyAll states & territories. First home buyer exemptions included.
PropertyGross and net yield. See if the numbers stack up before you buy.
PropertyFind out if you'll pay Lenders Mortgage Insurance and exactly how much.
PropertyEstimate how much a bank will lend you based on income, debts, and living costs.
PropertyMonthly repayments, total interest, and how extra payments save you money.
PropertySee if refinancing could save you money. Compare rates and calculate potential savings.
PropertySee how much your mortgage goes up if the RBA raises rates.
FinanceSee how much your offset account saves in interest and years off your loan.
PropertyCGT on property or investments. Includes the 50% discount for 12+ months.
PropertyTax benefits and cash flow from negatively gearing an investment property. Real costs after tax refund.
PropertyAll Australian states and territories — VIC, NSW, QLD, WA, SA, TAS, ACT and NT. Updated April 2026 rates.
PropertyFixed vs variable rates compared. How RBA changes affect your mortgage. What to look for when comparing.
PropertyHow to find the right mortgage. Compare offset accounts, fees, features and flexibility.
Property2025–26 tax, Medicare levy, LITO, HECS. See your real take-home pay.
FinanceCalculate your CCS percentage, out-of-pocket costs and subsidy eligibility.
FinanceConvert hourly, daily, weekly, monthly or annual pay — gross and take-home.
FinanceAnnual repayment, years to pay off, and full threshold table.
FinanceNational minimum wage, casual loading, overtime rates. Calculate your weekly pay.
FinanceProject your super balance at retirement. Are you on track?
FinanceWatch your savings grow. Includes regular deposits and Australian bank rates.
FinancePersonal or any loan. Monthly repayments and total interest paid.
FinanceMonthly repayments with optional balloon payment. Total cost breakdown.
FinanceSimple calculator for electric vehicle novated leases. Take-home pay impact and balloon payment.
FinanceHow long until you hit your savings target? Find out in seconds.
FinanceTrack income vs recurring costs, then push rent + savings into a loan size estimate.
FinanceCost per trip, per week, per year. See savings with a more efficient car.
FinanceEstimate your solar panel rebate. How many STCs does your system earn?
FinanceSplit any bill equally or by custom amounts. Per-person breakdown instantly.
FinanceCalculate your redundancy entitlement under Fair Work rules. Notice period and severance pay.
FinanceHow much tax to withhold from employee wages. For employers and contractors. 2025-26 tables.
FinanceCalculate your leave payout when you resign. Includes 17.5% leave loading.
FinanceHow much to retire early? Based on the 4% withdrawal rule.
FinanceCubic metres, premix bags, and cost for slabs, footings, and steps. Includes wastage.
ConstructionLitres needed for any room. Doors, windows, ceiling, coats, and tin size recommendations.
ConstructionRectangle, L-shape, or multiple rooms. Wastage for straight, diagonal, or herringbone lay.
ConstructionTiles, boxes, grout estimate, and cost. Supports all tile sizes and custom grout gaps.
ConstructionAnnual bill savings from rooftop solar. State-specific sun hours, self-consumption, and payback period.
ConstructionBoards, lineal metres, volume, and weight for any deck or timber floor project.
ConstructionBricks or concrete blocks, mortar bags, and pallets. Standard Australian brick sizes.
ConstructionPosts, rails, sheets, and palings for Colorbond, timber paling, and pool fencing.
ConstructionCubic metres and bags for garden beds, mulch, compost, or lawn topdressing. Includes wastage.
ConstructionBody Mass Index and healthy weight range. Metric and imperial.
HealthBasal Metabolic Rate — calories your body burns at rest. Two formulas compared.
HealthTotal daily energy expenditure and calorie targets for lose/maintain/gain.
HealthCalculate daily calorie needs for weight loss, maintenance or muscle gain with macro breakdown.
HealthPace to time, time to pace, or distance in X time. Splits every 5km.
HealthFind your ideal surfboard volume based on weight, skill level, wave type and fitness.
HealthAU/UK bra size from measurements. US conversion and size chart.
HealthPregnancy due date, current week, trimester, and key milestones.
HealthCheck if your dog ate toxic chocolate. Calculate theobromine risk by weight and chocolate type.
HealthTrack your fertile window, ovulation date and next period prediction.
HealthEstimate blood alcohol level and when you're safe to drive under 0.05.
HealthCalculate Australian standard drinks, BAC estimate and calories in beer, wine or spirits.
HealthEstimate body fat percentage using the US Navy method.
HealthSee how your height compares to average heights around the world.
HealthFind the best time to wake up or sleep based on 90-minute sleep cycles.
HealthCalculate your dog's age in human years (accurate, breed size matters).
Just For FunHow many pizzas do you need? Never run out (or over-order) again.
Just For FunCan you afford a dog or cat? Calculate the real monthly cost.
FinanceTest your typing speed (WPM) and accuracy in 60 seconds.
Just For FunDays, hours, minutes until freedom. Shareable link included.
Just For FunCalculate your astrology birth chart. Sun sign, moon sign, rising sign and planetary positions.
Just For FunFind your Chinese zodiac animal, element and compatibility based on birth year.
Just For FunFuel, tolls, parking, wear & tear, and the value of your time.
FinanceHow common is your name in Australia? Top 20 names by year.
Just For FunSee how much you'd save by quitting. Australian cigarette prices.
FinanceCalculate savings from cutting back or quitting alcohol entirely.
FinanceDaily flat white habit vs home brew. The numbers might shock you.
FinanceWhat is X% of Y? X is what % of Y? Three modes, instant answers.
MathsIncrease, decrease, or work backwards. What % did that change by?
MathsSimplify fractions and do arithmetic with them. Shows working steps.
MathsAustralian and US GPA. Weighted by credit points.
MathsIPv4 subnet calculator. Network address, broadcast, host range from CIDR or mask.
MathsFull scientific calculator with trigonometry, logarithms, exponents and calculation history.
MathsExact age in years, months and days. Days until your next birthday.
TimeDays, weeks, months or years between any two dates. Excludes weekends option.
TimeAll Australian timezones + major world cities. Live updating clock.
TimeFind when you're both awake. No more 3am calls to mum in the UK.
TimeCount down to any date. Live days, hours, minutes, seconds.
TimeAdd or subtract days, weeks, months, or years from any date.
TimeAU, US, UK, EU sizes for men, women and kids. Full size chart included.
ConverterTemperature, weight, length, and area. Converts both directions in real time.
ConverterLive AUD exchange rates. Convert any amount between major world currencies.
ConverterLive crypto prices in AUD. Convert BTC, ETH, SOL and more with real-time rates.
ConverterNEWCompare tyre sizes, speedometer error, and decode what 205/55R16 means.
ConverterCalculate the cost to charge your EV at home or public stations
EVCompare annual running costs of electric vs petrol vehicles
EVEstimate real-world EV range based on driving conditions
EVCalculate when your home EV charger pays for itself
EVPlan your EV road trip charging stops and costs
EVSee how much you save charging your EV with solar
EVMonitor and estimate your EV battery degradation
EVCalculate fringe benefits tax savings for electric vehicles
EVCalculate how much food to stockpile for emergencies
PreparednessPlan your emergency water storage needs
PreparednessCalculate fuel storage for generators and vehicles
PreparednessModel the impact of inflation and rising costs on your budget
PreparednessPrepare for power outages with equipment and supply planning
PreparednessPlan a garden to supplement your food supply
Self-SufficiencyPlan your vegetable garden with Australian climate zones, planting calendars and expected yields.
Self-SufficiencyHow many chickens do you need for your egg consumption?
Self-SufficiencyHow many pepper plants to grow for your household
Self-SufficiencyAdd or remove GST (10%) from any amount. For invoices and quotes.
FinanceEstimate Australia Post postage costs by weight, size and delivery speed.
Australian417/462 visa holders pay 15% on first $45k. See your take-home pay.
FinanceOz Lotto, Powerball, Set for Life. Spoiler: you're not going to win.
Just For FunScore your ACT skilled migration points for subclass 190/491 nomination.
AustralianPractice for the Australian Citizenship Test. 20 questions, 75% to pass. Timed like the real thing.
AustralianAnswer simple questions about your household and get a speed recommendation: NBN 25, 50, 100, 250, or 1000.
AustralianEstimate NSW CTP Green Slip insurance costs. Compare providers and find the best rate.
AustralianSmartKoala is a free collection of tools built for Australians. No sign-up, no tracking, just useful calculators that work. More tools added regularly. For advertising enquiries: hello@smartkoala.app 🐨
