Your AI Financial
Intelligence for Australia
Beyond basic calculators. Get AI-powered insights, real-time market data, and personalized strategies that banks don't offer.
Featured Tools
Our most popular calculators and AI-powered tools
Repayment Calculator
Calculate your home loan repayments with AI-powered market comparison
Borrowing Power Calculator
Calculate how much you can borrow with AI insights on lender policies
Stamp Duty Calculator
Calculate stamp duty for all Australian states with AI-powered concession detection
Income Tax Calculator
Calculate your Australian income tax for 2024-25 and 2025-26. See your tax bracket, Medicare levy, and take-home pay.
Compound Interest Calculator
Calculate how your savings grow with compound interest over time. See the power of compounding on your investments.
Rental Yield Calculator
Calculate gross and net rental yield on any Australian investment property. Compare yields across suburbs, factor in expenses, and see if your property stacks up.
Explore by Category
18 categories, 159+ AI-powered tools
Home Loan
AI-powered home loan tools to help you calculate, compare, and optimize your mortgage. Get instant calculations plus personalized insights.
Pay & Salary
Tools for Australian employees to check payslips, net pay, income tax, and super compliance.
Personal Loan
AI-powered personal loan tools to help you compare rates, calculate repayments, and find the best deal for your needs.
Car Loan
Car loan calculators and vehicle finance tools for Australian buyers
Credit Card
Compare cards, manage debt, and maximize rewards with smart credit card tools
Superannuation
Plan your retirement with AI-powered superannuation tools. Project your balance, compare funds, optimize contributions, and understand tax, insurance, and withdrawal strategies.
Investment & Savings
Grow your wealth with AI-powered investment calculators. Compare returns, plan savings goals, analyse ETFs, and track your net worth with tools built for Australian investors.
Tax & Government
Navigate Australian tax with AI-powered calculators. Calculate income tax, estimate refunds, find deductions, plan CGT, and understand Medicare levy obligations.
Business Finance
Essential financial tools for Australian businesses. Calculate GST, compare business structures, forecast cash flow, and analyse equipment finance and commercial property.
Insurance
Compare and calculate insurance costs for every aspect of your life. From life insurance and income protection to car, home, pet, and business insurance — find the right cover at the right price.
Property & Real Estate
Essential calculators for property investors, first home buyers, and homeowners. From rental yield and land tax to depreciation schedules, granny flat ROI, and auction budgets — everything you need to make smarter property decisions in Australia.
Budgeting
Tools to help you allocate, track, and optimize your savings for multiple financial goals.
Childcare
AI-powered tools to help Australian families understand Child Care Subsidy, calculate out-of-pocket costs, and navigate early childhood education funding.
Crypto
AI-powered tools to help Australians optimise crypto tax and digital asset reporting.
Government Benefits
Estimate your eligibility for Australian rebates, grants, Centrelink payments, and state/federal support schemes in 2026.
Utilities
Tools to help Australians manage, analyze, and save on household utility bills—electricity, gas, water, and more.
Calendar
Regulatory compliance calendars for Australian businesses—track due dates for tax, BAS, superannuation, and more for each financial year.
Retirement
Powerful calculators for Australian retirement planning: FIRE, super, Age Pension, and more.
Why The Finance Algorithm?
More than calculators. An AI-powered financial intelligence platform built for Australians.
AI-Powered Analysis
Get personalized insights and recommendations powered by AI that understands Australian lending and finance.
Real-Time Market Data
Live rate scanning across 50+ Australian lenders. Compare your situation to current market conditions.
Privacy First
Your financial data stays on your device. We don't store or sell your information. Ever.
All Financial Tools
From simple calculations to complex AI-powered advice
Home Loan Tools
AI-powered home loan tools to help you calculate, compare, and optimize your mortgage. Get instant calculations plus personalized insights.
Enhanced Calculators
Repayment Calculator
Calculate your home loan repayments with AI-powered market comparison
LVR Calculator
Calculate your Loan-to-Value Ratio and understand how lenders assess your risk
LMI Calculator
Calculate Lenders Mortgage Insurance costs and discover strategies to avoid it
Stamp Duty Calculator
Calculate stamp duty for all Australian states with AI-powered concession detection
Borrowing Power Calculator
Calculate how much you can borrow with AI insights on lender policies
Extra Repayment Calculator
See how extra repayments can save you thousands in interest and years off your loan
Offset Account Calculator
Calculate how much an offset account can save you in interest on your home loan
Fixed vs Variable Calculator
Compare fixed and variable rate options to find the best choice for your situation
Split Loan Calculator
Calculate the optimal split between fixed and variable portions of your home loan
Loan Offset Account Benefit Calculator
Calculate potential savings on your home loan interest from using an offset account.
AI + Live Data Tools
Live Rate Scanner
Compare real-time rates from 50+ Australian lenders matched to your situation
Lender Policy Matcher
Find lenders that accept your unique situation (self-employed, visa, casual)
Refinance Opportunity Detector
Compare your current loan to market rates and calculate exact savings
First Home Buyer Scheme Navigator
Find all grants, schemes, and concessions you're eligible for
Rate Negotiation Helper
Get talking points and competitor rates to negotiate with your bank
Property Suburb Analyzer
Get median prices, growth data, and demographics for any suburb
AI Advisors
Loan Structure Advisor
AI analyzes your situation and recommends optimal loan structure
Document Checklist Generator
Get a personalized checklist of documents needed for your loan application
RBA Impact Analyzer
Understand how RBA rate changes affect your specific loan
Home Loan Health Check
Comprehensive AI assessment of your current loan vs market opportunities
Affordability Stress Tester
Test your loan against rate rises, income drops, and life changes
Pay & Salary Tools
Tools for Australian employees to check payslips, net pay, income tax, and super compliance.
Enhanced Calculators
Personal Loan Tools
AI-powered personal loan tools to help you compare rates, calculate repayments, and find the best deal for your needs.
Enhanced Calculators
Personal Loan Calculator
Calculate your personal loan repayments with AI insights on rates and lender options
Loan Comparison Calculator
Compare multiple personal loan offers side-by-side to find the best deal
Early Payout Calculator
Calculate how much you'll save by paying off your personal loan early
Debt Consolidation Calculator
See if consolidating your debts into one personal loan will save you money
Affordability Calculator
Find out how much personal loan you can comfortably afford based on your income and expenses
Personal Loan vs Credit Card Calculator
Compare borrowing costs between a personal loan and credit card to find the smarter option
Credit Card Debt Destroyer
Calculate how a personal loan can eliminate your high-interest credit card debt faster and cheaper
Debt Payoff Optimizer
Find the fastest and cheapest strategy to pay off multiple debts - snowball, avalanche, or consolidation
Credit Score Builder Calculator
Calculate how taking a small personal loan can help build or repair your credit score
Secured vs Unsecured Loan Calculator
Compare secured and unsecured personal loans to see if using collateral saves you money
Guarantor Loan Calculator
Calculate the benefits and risks of having a guarantor on your personal loan
Wedding Loan Planner
Plan your dream wedding budget and calculate affordable loan repayments
Medical Expense Loan Calculator
Calculate how to finance medical procedures, dental work, or health expenses with a personal loan
Travel Loan Planner
Calculate if financing your dream holiday makes sense and plan affordable repayments
Home Renovation Loan Calculator
Calculate personal loan financing for home improvements without touching your mortgage
Emergency Fund Calculator
Calculate how much emergency savings you need and when a loan makes sense instead
Variable Income Loan Planner
Plan personal loan repayments around irregular freelance or casual income
Hardship Payment Calculator
Plan for temporary reduced loan payments during financial difficulty
Loan Top-Up Calculator
Compare topping up your existing loan vs getting a new one for additional funds
Car Loan Tools
Car loan calculators and vehicle finance tools for Australian buyers
Enhanced Calculators
Car Loan Calculator
Calculate your car loan repayments, total interest, and compare loan terms
Car Loan Comparison Calculator
Compare up to 3 car loan offers side by side to find the best deal
Car Affordability Calculator
Calculate how much car you can afford based on your income and expenses
Car Loan Early Payout Calculator
Calculate savings and costs of paying off your car loan early
New vs Used Car Calculator
Compare the true cost of buying new versus used over time
Lease vs Buy Calculator
Compare the cost of leasing versus buying a car outright
Trade-In Value Calculator
Estimate your car's trade-in value and how it affects your new car loan
Total Cost of Ownership Calculator
Calculate the true total cost of owning a car including finance, fuel, insurance, and maintenance
Dealer Finance vs Bank Loan Calculator
Compare dealer finance offers with bank or credit union car loans
Balloon Payment Calculator
Calculate balloon/residual payment options and understand the trade-offs
Novated Lease Calculator
Calculate tax savings from salary sacrificing a car through novated lease
Chattel Mortgage Calculator
Calculate business vehicle finance with chattel mortgage and tax benefits
Electric Vehicle (EV) Loan Calculator
Calculate EV financing with incentives, charging costs, and long-term savings
Car Depreciation Calculator
Estimate how much your car will be worth over time
Car Loan Refinance Calculator
Calculate savings from refinancing your car loan to a better rate
Credit Card Tools
Compare cards, manage debt, and maximize rewards with smart credit card tools
Enhanced Calculators
Credit Card Interest Calculator
Calculate how much interest you're paying on your credit card balance
Credit Card Comparison Calculator
Compare credit cards by rates, fees, rewards, and find the best match
Balance Transfer Calculator
Calculate savings from transferring your balance to a 0% interest card
Minimum Payment Calculator
See how long it takes to pay off debt with minimum payments only
Credit Card Payoff Calculator
Plan your debt-free date with a customized payoff strategy
Debt Consolidation Calculator
Combine multiple credit card debts into one manageable payment
Credit Utilization Calculator
Calculate your credit utilization ratio and its impact on your credit score
Credit Score Impact Calculator
Understand how credit cards and debt management affect your credit score
Rewards Points Calculator
Calculate the real value of your credit card rewards and points
Cashback Calculator
Calculate your annual cashback earnings from credit card spending
Annual Fee vs Benefits Calculator
Calculate if your credit card's annual fee is worth it
Interest-Free Period Calculator
Understand and maximize your credit card's interest-free period
Cash Advance Calculator
Calculate the true cost of credit card cash advances and ATM withdrawals
Foreign Transaction Calculator
Calculate the true cost of using your credit card overseas
Credit Limit Calculator
Estimate your likely credit limit and understand what affects it
Buy Now Pay Later Impact Calculator
Assess interest, fees, and long-term costs of Buy Now Pay Later usage.
Credit Score Simulator
Simulate impact of credit actions on your credit score. Uses Australian scoring models and guides for 2026.
Superannuation Tools
Plan your retirement with AI-powered superannuation tools. Project your balance, compare funds, optimize contributions, and understand tax, insurance, and withdrawal strategies.
Enhanced Calculators
Super Balance Projector
Project your superannuation balance at retirement based on your current savings and contributions.
Salary Sacrifice Optimizer
See how much tax you can save by sacrificing salary into superannuation.
Super Co-contribution Calculator
Check your eligibility for the government super co-contribution scheme and see how much you could receive.
Preservation Age Calculator
Find out when you can access your superannuation based on your date of birth.
Retirement Income Calculator
Estimate how much income your super will provide in retirement and how long it will last.
Super Fee Calculator
Calculate how much your super fees cost you over time and see the true impact on your retirement savings.
Employer SG Calculator
Calculate your employer's Super Guarantee contributions and check you're being paid the correct amount.
Super Consolidation Checker
Calculate how much you could save by consolidating multiple super accounts into one.
Super Tax Calculator
Calculate the tax on your superannuation contributions, earnings, and withdrawals at every stage.
Super Gap Analysis Tool
Project retirement savings shortfalls based on current and expected contributions.
AI + Live Data Tools
Super Fund Comparison Tool
Compare super funds side-by-side by fees, returns, and features to find the best fund for you.
Age Pension Deeming Impact Estimator
Model how deeming rate changes (2025–26) affect Age Pension via income test; compare scenarios, single vs couple, asset thresholds.
SMSF Setup Cost Calculator
Calculate the costs of setting up and running a Self-Managed Super Fund and whether it makes financial sense for you.
Transition to Retirement Planner
Plan a gradual transition to retirement by accessing your super while still working part-time.
Insurance Through Super Calculator
Compare the cost and benefits of holding life, TPD, and income protection insurance inside vs outside your super fund.
Super Withdrawal Estimator
Estimate how much you can withdraw from super, when you can access it, and the tax implications.
Super Contribution Planner
Assess effects/taxes of various concessional/non-concessional super contributions under 2026 rules.
Investment & Savings Tools
Grow your wealth with AI-powered investment calculators. Compare returns, plan savings goals, analyse ETFs, and track your net worth with tools built for Australian investors.
Enhanced Calculators
Compound Interest Calculator
Calculate how your savings grow with compound interest over time. See the power of compounding on your investments.
Term Deposit Calculator
Calculate your term deposit returns and compare rates to find the best deal for your savings.
Term Deposit Rate Comparator
Compare current Australian term deposit rates across major banks and credit unions. See which provider offers the best return for your savings term and amount.
Savings Goal Calculator
Calculate how much you need to save each month to reach your financial goal by your target date.
Dividend Income Calculator
Calculate how much passive income you can generate from dividend-paying shares and ETFs.
Dollar Cost Averaging Calculator
Compare dollar cost averaging vs lump sum investing. See which strategy works best based on market conditions.
HECS/HELP Repayment Calculator
Calculate your HECS-HELP repayment amount based on your income and see when your student debt will be paid off.
Emergency Fund Calculator
Calculate how much you need in your emergency fund based on your expenses, income stability, and personal situation.
Inflation Impact Calculator
See how inflation erodes your purchasing power over time and calculate the real value of your money in the future.
Net Worth Tracker / Dashboard
Automate the tracking and visualization of your net worth from your assets and liabilities. See detailed breakdowns and how your net worth changes over time.
AI + Live Data Tools
ETF Returns Calculator
Calculate expected returns from ETF investments including dividends, capital growth, and the impact of management fees.
Net Worth Calculator
Calculate your total net worth by listing all assets and liabilities. Track your financial progress over time.
Tax & Government Tools
Navigate Australian tax with AI-powered calculators. Calculate income tax, estimate refunds, find deductions, plan CGT, and understand Medicare levy obligations.
Enhanced Calculators
Income Tax Calculator
Calculate your Australian income tax for 2024-25 and 2025-26. See your tax bracket, Medicare levy, and take-home pay.
Tax Refund Estimator
Estimate your Australian tax refund or tax bill. Enter your income, deductions, and offsets to see what to expect at tax time.
Capital Gains Tax Calculator
Calculate your Australian capital gains tax on shares, property, and crypto. See how the 50% CGT discount and other concessions apply.
Negative Gearing Calculator
Calculate the tax benefits of negative gearing on your investment property. See how rental losses reduce your taxable income.
PAYG Withholding Calculator
Calculate the correct PAYG tax withholding for your salary or wages. Check if your employer is deducting the right amount of tax.
Medicare Levy Calculator
Calculate your Medicare levy and Medicare Levy Surcharge. See if you qualify for a reduction or exemption, and whether you need private health insurance.
AI + Live Data Tools
Crypto Capital Gains Calculator
Calculate capital gains tax on cryptocurrency trades with FIFO, LIFO or specific identification methods for Australia.
Fringe Benefits Tax Calculator
Calculate the Fringe Benefits Tax on salary packaging, company cars, and other employee benefits. See the grossed-up value and FBT payable.
Tax Deduction Finder
Find tax deductions you might be missing based on your occupation and situation. AI-powered personalised deduction checklist for Australian taxpayers.
Business Finance Tools
Essential financial tools for Australian businesses. Calculate GST, compare business structures, forecast cash flow, and analyse equipment finance and commercial property.
Enhanced Calculators
GST Calculator
Calculate GST on any amount — add or remove 10% GST instantly. Perfect for invoicing, BAS preparation, and pricing decisions.
Business Loan Calculator
Calculate repayments on Australian business loans including term loans, lines of credit, and equipment finance. Compare secured vs unsecured rates.
Break Even Calculator
Calculate your business break-even point — how much revenue you need to cover all costs. Essential for pricing, planning, and new venture viability.
Invoice Payment Calculator
Calculate invoice totals with GST, early payment discounts, and late payment interest. Manage payment terms and outstanding invoices.
Equipment Finance Calculator
Calculate repayments for equipment finance, chattel mortgage, and hire purchase. Compare leasing vs buying for tax and cash flow impact.
AI + Live Data Tools
Business Structure Advisor
Get AI-powered advice on the best business structure for your situation — sole trader, partnership, company, or trust. Compare tax, liability, and setup costs.
Cash Flow Forecast
Project your business cash flow over time. See when cash runs low, plan for seasonal dips, and ensure you can cover expenses and loan repayments.
Commercial Property Yield Calculator
Calculate the rental yield and return on investment for commercial property. Compare net yield, cap rate, and cash-on-cash return.
Cash Flow Stress Tester
Simulate cash flow issues under payment delays or increased expenses for Australian businesses.
Insurance Tools
Compare and calculate insurance costs for every aspect of your life. From life insurance and income protection to car, home, pet, and business insurance — find the right cover at the right price.
Enhanced Calculators
Life Insurance Calculator
Calculate how much life insurance cover you need based on your income, debts, dependants, and financial goals. Get a personalised cover recommendation.
Income Protection Calculator
Calculate the right level of income protection insurance. See how much cover you need, waiting periods, benefit periods, and estimated premiums.
TPD Insurance Calculator
Calculate Total & Permanent Disability insurance needs. See how much TPD cover protects you if you can never work again due to illness or injury.
Home & Contents Insurance Calculator
Estimate the right level of home and contents insurance cover. Calculate your building replacement cost and contents value to avoid being underinsured.
Car Insurance Estimator
Estimate car insurance costs and compare comprehensive, third-party, and CTP. Find the right cover type based on your car's value.
Landlord Insurance Calculator
Calculate landlord insurance cover for your investment property. Protect against tenant damage, lost rent, liability, and natural disasters.
Travel Insurance Calculator
Estimate travel insurance costs for domestic and international trips. Compare cover levels for medical, cancellation, luggage, and adventure activities.
AI + Live Data Tools
Health Insurance Comparison Tool
Compare private health insurance options and find the right cover level. See if hospital cover saves you money vs the Medicare Levy Surcharge.
Trauma / Critical Illness Calculator
Calculate how much trauma (critical illness) insurance you need. Get a lump sum on diagnosis of cancer, heart attack, stroke, and other critical conditions.
Pet Insurance Calculator
Estimate pet insurance costs and calculate if it's worth it. Compare accident, illness, and comprehensive cover for dogs and cats.
Professional Indemnity Insurance Calculator
Estimate professional indemnity insurance costs for Australian professionals. Protect against claims of negligence, errors, and bad advice.
Funeral Insurance Calculator
Calculate funeral insurance costs vs self-insuring. Compare funeral bonds, insurance policies, and savings plans to cover end-of-life expenses.
Business Insurance Calculator
Estimate business insurance costs including public liability, product liability, and business interruption. Find the right cover package for your business.
Property & Real Estate Tools
Essential calculators for property investors, first home buyers, and homeowners. From rental yield and land tax to depreciation schedules, granny flat ROI, and auction budgets — everything you need to make smarter property decisions in Australia.
Enhanced Calculators
Rental Yield Calculator
Calculate gross and net rental yield on any Australian investment property. Compare yields across suburbs, factor in expenses, and see if your property stacks up.
Stamp Duty Comparison Calculator
Compare stamp duty costs across all Australian states and territories side by side. See how much you'd save buying the same property in a different state.
Auction Bidding Calculator
Calculate your maximum auction bid including stamp duty, conveyancing, and inspection costs. Know your true budget before the hammer falls.
Rental Affordability Calculator
Calculate how much rent you can afford based on your income, expenses, and the 30% rule. Find out if your dream suburb is within budget.
Land Tax Calculator
Calculate land tax for investment properties across all Australian states. Includes surcharge for foreign owners and tax-free thresholds.
Property Settlement Cost Calculator
Calculate all the costs involved in settling a property purchase in Australia. Covers stamp duty, conveyancing, inspections, and hidden fees.
Depreciation Schedule Estimator
Estimate property depreciation deductions for your investment property. Covers both capital works (Division 43) and plant & equipment (Division 40).
AI + Live Data Tools
Property Development Feasibility Calculator
Assess whether a property development project is financially viable. Calculate total development costs, expected profit, and return on investment.
Renovation ROI Calculator
Calculate the return on investment from property renovations. See which upgrades add the most value and which are money pits.
Suburb Affordability Finder
Find suburbs that match your budget and lifestyle. AI-powered analysis of affordability, growth potential, and liveability across Australian cities.
SMSF Property Investment Calculator
Calculate whether buying property through your self-managed super fund (SMSF) makes financial sense. Covers LRBA, contributions, and compliance costs.
Granny Flat ROI Calculator
Calculate the return on investment from building a granny flat. See construction costs, rental income, and how long until it pays for itself.
Budgeting Tools
Tools to help you allocate, track, and optimize your savings for multiple financial goals.
Enhanced Calculators
50/30/20 Budget Planner
Allocate your income according to the popular 50/30/20 rule: 50% Needs, 30% Wants, 20% Savings. Track and optimise your monthly finances easily.
Savings Goals Tracker
Track progress towards multiple savings goals with timelines and targets.
Emergency Fund Timer
Estimate how long your emergency fund will last given your monthly expenses.
AI + Live Data Tools
TaxTank Complete Budget Planner
Comprehensive digital budget planner for Australians — real-time bank feeds, automation, tax insights, expense tracking, goal setting.
Wage Calculator Budget Planner
Interactive budget planner that visualises cash flow, projects savings milestones and automates emergency fund targets for Australian consumers.
Billroo Budgeting App
Australian-focused budgeting app with automation, forecasting, open banking integration, and multi-category analysis for expense management.
Childcare Tools
AI-powered tools to help Australian families understand Child Care Subsidy, calculate out-of-pocket costs, and navigate early childhood education funding.
Enhanced Calculators
Child Care Subsidy Calculator
Estimate your Child Care Subsidy (CCS) entitlements and out-of-pocket costs for Australian families
Paid Parental Leave Estimator
Estimate Parental Leave Pay days and total amount after tax based on due/birth date, work history, income test and partner sharing options.
AI + Live Data Tools
Crypto Tools
AI-powered tools to help Australians optimise crypto tax and digital asset reporting.
Enhanced Calculators
Government Benefits Tools
Estimate your eligibility for Australian rebates, grants, Centrelink payments, and state/federal support schemes in 2026.
AI + Live Data Tools
Utilities Tools
Tools to help Australians manage, analyze, and save on household utility bills—electricity, gas, water, and more.
AI + Live Data Tools
Calendar Tools
Regulatory compliance calendars for Australian businesses—track due dates for tax, BAS, superannuation, and more for each financial year.
Enhanced Calculators
Retirement Tools
Powerful calculators for Australian retirement planning: FIRE, super, Age Pension, and more.
Start with Any Question
Our AI understands Australian finance. Just ask.