Find Australian money tools for household budgets, rent and borrowing, super contributions and ETF comparisons. Each listed guide contains a calculator and explains what the numbers can and cannot tell you. Use Australian dollars (AUD) unless the guide says otherwise.
Choose a topic or find a calculator
Search by the decision you are making, or browse the categories below. Read the guide beside the calculator for its state, tax-year and contract assumptions.
Calculators & guides
16 tool guides
Housing & Borrowing
6 tool guides
Break lease fee NSW: work out the fee and whether moving pays off
Work out the NSW break lease fee from your weekly rent and the share of the fixed term expired, then test whether cheaper rent recovers…
Calculator and guideMoving out costs in Australia: bond, setup and buffer cash plan
Work out how much cash you need to move out in Australia: first month, rental bond, setup, moving and buffer months in AUD, with checked…
Calculator and guideOffset vs redraw: what each costs you in a year (AUD)
Work out what an offset account really costs each year against a redraw-only loan or a savings account, and why redraw can lose interest deductions…
Calculator and guidePaint Calculator: Separate Primer and Paint Tin Costs
Compare separate topcoat and primer can purchases in AUD using confirmed coverage, coats, available sizes and prices. Check minimum spend against least surplus without pooling…
Calculator and guideShould I pay off my HECS debt early? Indexation vs interest
Compare the indexation a voluntary HECS-HELP repayment avoids with the after-tax interest the same cash would earn in savings or save in an offset account,…
Calculator and guideWeekly rent to monthly in Australia: which formula to use
Convert weekly rent to monthly in AUD without the ×4 error: compare the 52-week budget average with the 365-day calendar-month method, reverse a monthly lease…
Calculator and guideSuper & Retirement
2 tool guides
Carry forward concessional contributions: your 2026–27 cap in AUD
Work out how much unused concessional cap you can carry into 2026–27, which amount expires after 30 June 2027, and the tax effect of a…
Calculator and guideSpouse super contribution tax offset: how much to pay for $540
Work out the spouse super contribution tax offset in AUD: the 18% formula, the $37,000 to $40,000 phase-out and the contribution that reaches the largest…
Calculator and guideInvesting
3 tool guides
DHHF vs VDHG: what the fee gap and the bond gap cost in AUD
Split the DHHF vs VDHG difference into a 0.08% fee gap and a 10% bond-mix gap, using VDAL as the bridge, with a hypothetical AUD…
Calculator and guideETF vs managed fund: compare your annual costs in AUD
Compare ETF and unlisted fund annual costs in AUD, including management fees, platform charges and regular purchase costs. A hypothetical calculator shows how the result…
Calculator and guideVGS vs BGBL: does the fee gap cover your switching costs?
Compare the VGS and BGBL annual fee gap in AUD, then test how long it would take to recover your own one-off switching costs.
Calculator and guideBudgeting & Living Costs
4 tool guides
Fuel Cost Calculator: Trip Use vs Refill Cash
Separate the value of fuel a trip consumes from additional pump cash, using your own distance, consumption, price and fuel-stock assumptions.
Calculator and guideGrocery shopping on a budget: count the whole-pack cash
Check what whole packs will cost at checkout, subtract usable pantry stock and test one shopping basket against your actual AUD cash allowance.
Calculator and guideHousehold budget planner for Australia: fixed bills and renewals
Check whether monthly take-home pay in AUD covers essentials, spending, savings and a reserve for irregular bills, then test whether changing a fixed bill pays…
Calculator and guideSelf storage cost: compare quotes and cash before refunds
Compare two complete storage quotes and distinguish final cost from cash advanced before a confirmed refund.
Calculator and guideMore tool guides
1 tool guide
Rent vs buy in Australia: compare costs over your holding period
Separate mortgage principal from housing costs and find the sale price that would bring buying level with renting over your planned holding period.
Calculator and guideNo matching tool guides.
Check the conditions before acting
- Use current records and align weekly, monthly and annual amounts.
- Confirm lender terms, tax eligibility and state-specific rental rules.
- Calculations are planning estimates, not fund recommendations or personalised financial advice.
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