Calculators

Smart tools for smarter decisions

Use our interactive calculators to get quick estimates. For a detailed personalised breakdown, our team is ready to help.

Disclaimer: The calculators on this page are provided as general educational tools only and do not constitute financial, tax, or legal advice. Results are estimates based on the information you provide and may not reflect your actual tax obligations or financial situation. Please consult a qualified Nationwide Accountants adviser before making any financial decisions.

Income Tax Calculator

Estimate your 2025–26 income tax

Annual Income

$85,000

Residency Status

Estimated Tax Payable (incl. Medicare) — Estimate Only

Tax Payable (incl. Medicare)$19,792

Take-Home Pay$65,208

Effective Tax Rate23.3%

Borrowing Power Calculator

Estimate your maximum home loan borrowing capacity

Applicant Annual Gross Income

$120,000

Partner Annual Gross Income

Other Annual Income

Monthly Living Expenses

$3,000

Existing Monthly Debt Repayments

Total Credit Card Limit

Number of Dependants

Annual Interest Rate (%)

Assessment Buffer (%)

Loan Term (years)

$30

Estimated Borrowing Power — Estimate Only

Estimated Borrowing Power$870,000

Est. Monthly Repayment (actual rate, P&I)$5,216

Available Monthly Repayment Used$7,000

This is an estimate only and does not account for lender-specific policies, tax, HEM benchmarks, buffers, or full credit assessment.

Mortgage Repayment Calculator

Calculate your monthly repayments

Loan Amount

$600,000

Interest Rate (%)

Loan Term

Monthly Repayment (P&I) — Estimate Only

Monthly Repayment$3,675

Total Interest Paid$722,933

Total Amount Repaid$1,322,933

GST Calculator

Quick GST calculations

Amount ($)

Calculation Type

GST Component — Estimate Only

GST Component$0.00

Inc-GST Total$0.00

PAYG Withholding Calculator

Estimate PAYG tax withheld per pay period

Gross Pay Amount ($)

$2,000

Pay Frequency

Estimated PAYG Withheld — Estimate Only

Tax Withheld per week$507

Take-Home per week$1,493

Superannuation Calculator

Plan your super — SGC is 11.5% in 2025–26

Annual Salary

$100,000

Current Super Balance

$150,000

Current Age

Retirement Age

SGC Rate (%)

11.5%

Annual Return (%)

Superannuation Projection — Estimate Only

Annual SGC Contribution (11.5%)$11,500

Projected Balance at Retirement (32 yrs, 7% pa)$2,574,799

Business Profit Estimator

Estimate your net profit & tax

Annual Revenue

$500,000

Cost of Goods Sold

$200,000

Monthly Overheads

$15,000

Business Profit Estimate — Estimate Only

Gross Profit$300,000

Gross Margin60.0%

Net Profit (after overheads)$120,000

Est. Company Tax (25%)$30,000

After-Tax Profit$90,000

Let's talk about your financial future

Whether you're an individual, a growing business or an established company, we'd love to chat about how we can help.

Book Appointment (08) 8262 8200