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Useful Tools
Tools to support your financial decisions financial tools.
Good financial decisions rarely happen in a vacuum. They depend on having the right numbers in front of you at the right time. The tools below are designed to give you a clearer picture of your financial position, whether you are planning a major purchase, reviewing your tax obligations, or working through a business budget.
Each calculator or resource has been selected because it addresses a question we hear regularly from clients. They are starting points, not substitutes for professional advice. If a result raises questions or you want to understand what it means for your specific situation, our team is available to walk through it with you.
Use these tools freely. Bookmark the ones you return to often. And if something you need is not here, the contact section at the bottom of this page is the fastest way to reach us.
Tax and income
Understanding your tax position is foundational to any financial plan. These tools help you estimate your income tax liability, work out your effective tax rate, and check whether your PAYG withholding is on track throughout the year.
Income Tax Estimator
Enter your gross income and the tool calculates your estimated tax payable, Medicare levy, and take-home pay for the current financial year. Useful for employees, sole traders, and contractors checking their position before lodgement.
PAYG Withholding Calculator
Verify that the right amount of tax is being withheld from your salary or wages each pay period. Discrepancies caught early prevent a large tax bill at year end.
Capital Gains Tax Guide
A reference tool for understanding how capital gains are calculated on the sale of assets, including the 50% CGT discount for assets held longer than twelve months.
Business and planning
Running a business involves constant financial decisions. These tools are aimed at business owners who want to model scenarios, track cash flow, or assess the viability of a new direction before committing resources.
Cash Flow Projection Template
A structured spreadsheet for mapping expected income and expenses across a twelve-month period. Identifying cash flow gaps before they occur gives you time to act, whether that means adjusting payment terms, drawing on a facility, or deferring a purchase.
Break-Even Calculator
Enter your fixed costs, variable costs per unit, and selling price to find the volume at which your business covers its costs. A practical first step when evaluating a new product, service, or pricing change.
GST Calculator
Quickly add or extract GST from a price. Straightforward, but useful when quoting, invoicing, or reconciling figures that mix GST-inclusive and GST-exclusive amounts.
Superannuation and retirement
Superannuation is often the largest financial asset outside of property for Australian workers. These tools help you understand where you stand and what adjustments might make a meaningful difference over time.
Super Contributions Calculator
Model the impact of additional voluntary contributions on your projected balance at retirement. Even modest increases made consistently over a long period can produce a significant difference in outcome.
Concessional Contributions Cap Reference
A quick reference for the current concessional and non-concessional contribution caps, including carry-forward rules for those with lower balances. Staying within the caps avoids excess contributions tax.
Loans and borrowing
Before taking on debt, it helps to understand the full cost and the repayment commitment involved. These calculators give you a clear view of what borrowing actually costs over the life of a loan.
Loan Repayment Calculator
Enter the loan amount, interest rate, and term to see your estimated monthly repayment and total interest paid. Useful for comparing loan options or assessing serviceability before approaching a lender.
Mortgage Offset Calculator
See how funds held in an offset account reduce the interest charged on your home loan and shorten the loan term. A useful tool for anyone deciding how to allocate surplus cash.
Stay informed
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