TaxWiseAU - Australian Tax

TaxWiseAU is the all-in-one financial planning calculator built specifically for Australian residents. Whether you're working out your take-home pay, modelling a mortgage, projecting your superannuation balance, or comparing the capital gains tax on your investments — TaxWiseAU has you covered.

All four calculators are linked: update your salary on the Income tab and every other tab recalculates instantly.

INCOME & TAX CALCULATOR

• Supports FY2025-26, FY2026-27, and FY2027-28+
• Calculates income tax, Medicare levy, and the Working Australian Tax Offset (WATO)
• Salary sacrifice / pre-tax super contributions with concessional cap warning
• Investment property support: new builds, established pre-Budget, and established post-Budget properties
• Negative gearing refund (2026 Budget rules applied automatically)
• Shows taxable income, tax after offsets, net annual pay, and net monthly pay

LOAN REPAYMENT CALCULATOR

• Standard principal-and-interest repayments
• Customisable monthly payment to model extra repayments
• Full year-by-year amortisation table
• Total interest paid summary

SUPER PROJECTION CALCULATOR

• Projects your superannuation balance at retirement
• Includes employer SG contributions (user-editable rate, default 12%) plus salary sacrifice
• User-editable fund return rate
• Shows total contributions vs total growth over your chosen time horizon
• Concessional contribution cap warning ($30,000/yr)

CGT CALCULATOR (2026 BUDGET)

• Three calculation methods: Standard 50% discount, CGT Indexation (from 1 July 2027), and No Discount
• Ownership Percentage field — calculate CGT based on your share of the asset
• Editable marginal tax rate, pre-filled from your Income tab result
• Supports assets acquired before and after 21 September 1999
• Applies Federal Budget 12 May 2026 CGT indexation rules

PRIVACY & SECURITY

TaxWiseAU performs all calculations on-device. No personal data is collected, stored, or transmitted. No account or internet connection required.

LOCALISATION

Available in English and Simplified Chinese (简体中文). Switch languages in the Settings tab at any time.

DISCLAIMER

TaxWiseAU is an educational calculator tool. Results are estimates only and do not constitute financial, tax, or legal advice. Consult a registered tax agent or financial adviser before making financial decisions.

Tax rules are based on publicly available ATO information. Always verify current rates at ato.gov.au.