The Finance Algorithm
10 calculators · free · no signup

Tax & Government.

Navigate Australian tax with AI-powered calculators. Calculate income tax, estimate refunds, find deductions, plan CGT, and understand Medicare levy obligations.

Live · Take-home payFY 2026-27 brackets
Gross salary (incl. super)$120,000
Salary sacrifice to super$0
Concessional cap $32,500 incl. employer SG
Take-home / yr
$91,080
$7,590 / month
Total tax
$28,920
Marginal 30% + 2% Medicare
Total super this year: $14,400 (employer SG 12% + sacrifice). Open full tax calculator →
§ Calculators

All 10 tax & government calculators

Free, instant, no signup. Every result shows its working and can be handed to the assistant.

Most-used

Income Tax Calculator

Calculate your Australian income tax for 2026-27 (and prior years back to 2023-24). See your tax bracket, Medicare levy, and take-home pay.

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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.

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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.

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Negative Gearing Calculator

Calculate the tax benefits of negative gearing on your investment property. See how rental losses reduce your taxable income.

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2026 Tax Cut Estimator

Calculates your tax cut for 2026–27 — the 16%-to-15% rate cut that took effect 1 July 2026 — compared with 2025–26, based on your income.

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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.

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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.

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Live data

Crypto Capital Gains Calculator

Calculate capital gains tax on cryptocurrency trades with FIFO, LIFO or specific identification methods for Australia.

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Live data

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.

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Live data

Tax Deduction Finder

Find tax deductions you might be missing based on your occupation and situation. AI-powered personalised deduction checklist for Australian taxpayers.

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§ FAQ

Questions Australians actually ask the AI.

Drawn from real conversations with the Tax & Government Assistant. Click any to open it in chat.

How does tax & government work in Australia?

Our tax & government calculators apply the same formulas, brackets and buffers that banks and the ATO use internally. We update assumptions weekly from RBA, APRA and ATO releases. Run the math →

Are the numbers reliable?

Yes—every calculation is auditable. We show the working, and the rates come from what every bank publishes under the Consumer Data Right, the RBA cash rate and ATO 2026 brackets. They're estimates, not advice. Run the math →

Do I need to sign up?

No. There are no signups and no upsells. The calculators run in your browser — only a question you choose to send the assistant leaves it. We earn nothing from any bank or product. The math is the product. Run the math →

What can the AI assistant do?

Ask questions in plain English. The assistant runs the calculators live, cites the formulas, and explains the result in your situation—linking back to the underlying tools. Run the math →