Run the numbers.
Make the call.
Free Australian calculators and guides for superannuation, property, tax and investing — built using Australian rules and designed to explain the numbers behind every result.
General information only — not advice. Open the full projector →
Clarity on any money decision — in seconds.
From take-home pay to your retirement balance, get a clear answer in seconds.
Every tool lays out the steps — not a black-box number you have to take on faith.
Franking, contribution caps, FIFO rosters and each state's duty — modelled properly.
Sourced, dated figures, so your next move is backed by the real numbers.
Australian rules, modelled properly.
Overseas calculators quietly get the local detail wrong. Imputo is built around the things that actually decide your number here — so the answer matches what the ATO and your state revenue office would say.
- The 15% contributions tax, concessional caps and Division 293
- Franking credits, FIFO rosters and HECS/HELP marginal rates
- Each state's stamp duty schedule and first-home concessions
Every tool shows its working.
Most calculators hand you a number and hide the maths. Imputo lays out each step — the income shading, the tax, the buffers — so you can see how the figure was reached and trust it.
- Line-by-line breakdowns, not just a single result
- Assessed at your rate plus the APRA 3% serviceability buffer
- Sourced & dated assumptions you can check yourself
Numbers you can settle in a minute.
Take-home pay calculator
Turn a gross salary into the money that actually lands in your account — after income tax, the low-income offset, the 2% Medicare levy and any HELP/HECS repayment. Shown per week, fortnight, month and year.
Novated lease calculator
See what salary-packaging a car through a novated lease really costs — and what you save versus paying for the same car from your take-home pay. Handles the FBT-exempt electric-vehicle rules and the Employee Contribution Method for petrol and diesel cars.
Associate vs novated lease
Compare the estimated after-tax cost of the same car under a novated lease and an associate lease. A novated lease is simple and, for an eligible EV, FBT-exempt; an associate lease can package the full cost without the post-tax contribution a petrol or diesel novated lease needs — but it's complex and needs professional structuring.
Bridge to 60
If you want to retire before you can access super, you need a "bridge" — accessible investments outside super to live on from your early-retirement age until super unlocks at 60. This sizes that bridge fund, and what you'd need to save to build it.
First Home Super Saver (FHSS)
The FHSS scheme lets first-home buyers save a deposit inside super, where contributions are taxed at just 15% instead of your marginal rate. This estimates how much more deposit you could build versus saving the same amount in your own name.
Redundancy & ETP tax
A genuine redundancy payment has a tax-free portion based on your years of service; the rest is taxed concessionally as an employment termination payment (ETP). This estimates the tax and what you take home.
Savings goal & compound interest
See what a starting balance plus regular deposits grows to with compound interest — and, if you set a goal, roughly when you'd reach it. Interest is compounded monthly.
Retirement drawdown — how long will it last?
How many years a retirement balance lasts if you draw a set amount each year, while the remainder keeps earning a return and your spending rises with inflation. A planning estimate, not a guarantee.
About Imputo
Imputo is a free set of Australian personal-finance calculators and facts-only product comparisons — built to help you run your own numbers and read the figures yourself.
What Imputo is
A free Australian personal-finance toolkit: calculators for tax, super, property, investing and debt, plus side-by-side comparisons of products like super funds, savings accounts, term deposits and brokers. Everything is laid out as plain figures so you can read and weigh them yourself.
What Imputo isn’t
Imputo doesn’t hold an Australian Financial Services Licence and isn’t a financial adviser, accountant or broker. Nothing here is personal advice or a recommendation to buy, hold or sell anything. The calculators are estimates and the comparisons are factual information only — they don’t tell you what to do, because what’s right depends on your full circumstances.
How we stay independent
No fund, bank or broker pays to appear, to rank higher, or to change a number. Some outbound links — mainly to brokers — may be affiliate or referral links that earn Imputo a small commission at no cost to you; that never affects which products are listed or the figures shown. See our Affiliate disclosure.
Get in touch
Spotted a figure that’s out of date or wrong? Email hello@imputo.com.au and we’ll check and fix it. (Placeholder contact — update before launch.)
Methodology
Where our numbers come from, how the tools work, and how we keep figures current.
Where the numbers come from
- Tax & income: the ATO — resident income-tax rates for 2025–26, the Medicare levy, HELP/HECS repayment thresholds and the 12% super guarantee.
- Property: RevenueWA and the other state and territory revenue offices for transfer (stamp) duty.
- ETFs & super: each issuer’s factsheet and PDS, plus SuperRatings and the Chant West fee survey for super performance and fees.
- Savings, term deposits & brokers: each provider’s own pricing pages and reputable rate trackers.
How the calculators work
Each tool uses published rates for the stated financial year and shows its working in a breakdown. They’re projections, not guarantees: real returns, rates and tax outcomes vary. Every calculator lists what it includes and excludes in its own disclaimer.
How the comparisons work
Comparisons are facts only. We don’t score, rank, weight or recommend — every option is listed on equal terms in the order shown. Where a figure can’t be confirmed from the provider it’s left blank rather than estimated or guessed.
Keeping figures current
Rates change. Savings-account and term-deposit tables carry a snapshot date and are reviewed roughly monthly; tax, super, duty and product figures are dated and reviewed on a regular cycle. Always confirm the current figure with the provider before acting — the “as at / verify” note on each tool is there for a reason.
Editorial standards
The principles behind every figure and comparison on Imputo.
Accuracy first
Figures are sourced from primary or reputable references and dated. We’d rather show a blank than a number we can’t stand behind.
No “best”, no recommendations
Because Imputo isn’t licensed to give advice, we don’t crown winners, rank products or say what suits you. We present the facts and let you decide. This is a deliberate compliance choice, and one we’re happy to be held to.
Independence from commercial links
Editorial content and product selection are decided on the figures alone. Affiliate arrangements never determine what’s included, the order it appears in, or the numbers shown.
Corrections
If something’s wrong or out of date, we want to know. Email hello@imputo.com.au and we’ll review it promptly and correct it, noting any material change.
Affiliate disclosure
How a free site keeps the lights on — and the firm lines we draw around it.
How Imputo is funded
Imputo is free to use. Some outbound links — primarily to share brokers, and potentially to some savings or deposit providers — may be affiliate or referral links. If you click one and sign up, Imputo may receive a commission, at no extra cost to you.
What this does and doesn’t affect
- It does not affect which products are listed: comparisons aim to include the providers people actually use, on equal terms.
- It does not affect the figures, the order, or any rating — we don’t rank or recommend.
- It does not add any cost to you: you pay the same as going direct to the provider.
Where we earn nothing
Our super-fund comparison, and our savings and term-deposit tables, currently carry no commission arrangements. We’ll keep this page updated as that changes.
Why we disclose
Australian consumer law — and plain honesty — require it. You deserve to know how a free site stays running, and to trust that the facts aren’t for sale.
Contact
Questions, corrections or feedback — we read every message.
Get in touch
The best way to reach Imputo is by email at hello@imputo.com.au. (Placeholder address — confirm before launch.)
Spotted something wrong?
Imputo is built on figures that change — tax thresholds, contribution caps, rates and duty schedules. If a number looks out of date or incorrect, tell us what it is and where you found it, and we’ll check it against the source and fix it. Accuracy is the whole point.
What we can and can’t help with
- We’re glad to take corrections, feedback, and general questions about how the tools work.
- We can’t give you personal financial, tax or legal advice, or tell you what to do in your situation — Imputo provides general information only and isn’t a licensed adviser. For advice about your circumstances, speak to a licensed financial adviser, a registered tax agent, or your accountant.
Privacy Policy
What we collect, why, and the choices you have.
Starting template only — not legal advice. Have this reviewed by an Australian lawyer and complete the bracketed details before publishing. Last updated: [date].
Who we are
This site, Imputo (imputo.com.au), is a registered business name of Boosttape Australia Pty Ltd (ACN 681 026 871, ABN 32 681 026 871), which operates it. This policy explains how we handle personal information, in line with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
What we collect
- Information you give us — for example your email address if you subscribe to updates, or your name and message if you contact us.
- Information collected automatically — basic technical and usage data such as device type, browser, pages visited and how you arrived, gathered through analytics and cookies.
- The calculators run entirely in your browser. The figures you enter into them are not sent to us or stored on our servers.
How we use it
- To send the updates you have asked for, and to reply to your messages.
- To understand how the site is used so we can improve it.
- We do not sell your personal information.
Cookies and analytics
We use cookies and an analytics tool ([e.g. Google Analytics / Plausible]) to measure traffic and usage. You can control or block cookies in your browser settings, though some features may not work as well if you do.
Who we share it with
We share personal information only with the service providers that help us run the site — such as our email provider ([provider name]) and analytics provider — and only so they can perform those services. Some providers may store data overseas.
Access, correction and complaints
You can ask what personal information we hold about you, ask us to correct it, or unsubscribe at any time, by emailing [contact email]. If you are not satisfied with how we have handled a privacy matter, you can contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.
Changes
We may update this policy from time to time; the current version will always be on this page.
Terms of Use
The basis on which you use Imputo.
Starting template only — not legal advice. Have this reviewed by an Australian lawyer and complete the bracketed details before publishing. Last updated: [date].
Using this site
Imputo (imputo.com.au) is a registered business name of Boosttape Australia Pty Ltd (ACN 681 026 871, ABN 32 681 026 871), which operates this site. By using the site you agree to these terms. If you do not agree, please do not use it.
Information only — not advice
Everything on Imputo is general information and factual content only. We do not hold an Australian Financial Services Licence, and we are not your financial adviser, accountant, tax agent or broker. Nothing here is personal advice or a recommendation to acquire, hold or dispose of any financial product. What is right for you depends on your own circumstances — consider advice from a licensed professional before acting.
Accuracy and estimates
We work to keep figures current and correct, but rates, thresholds and rules change and errors can occur. The calculators produce estimates based on the assumptions stated and the figures you enter; they are not a quote, a guarantee, or a substitute for professional figures. Always verify anything important against the original source (such as the ATO) or with a qualified professional.
Liability
To the maximum extent permitted by law, we are not liable for any loss arising from your use of, or reliance on, the site. Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy you have under the Australian Consumer Law that cannot lawfully be excluded.
Intellectual property
The content, design and code of Imputo belong to Boosttape Australia Pty Ltd (ACN 681 026 871, ABN 32 681 026 871) unless stated otherwise. You are welcome to read and link to it; please do not copy or republish substantial parts without permission.
Third-party links
Some links lead to third-party sites we do not control and are not responsible for. Some may be affiliate links — see our Affiliate disclosure.
Governing law
These terms are governed by the laws of Western Australia and the Commonwealth of Australia.
Contact
Questions about these terms? Email [contact email].
Comparefacts only
Side-by-side, facts-only comparisons — super funds, savings accounts and share brokers, plus head-to-heads of popular ASX ETFs — drawn from each provider's own disclosures. We don't rate, rank or recommend; the figures are laid out so you can read them yourself. General information only, not financial advice.
Your super and investments, finally in one beautiful place.
Track your ASX shares, ETFs and superannuation together — with franking, goals and a dashboard you'll actually want to open. For the price of a coffee, not a $40 tax bill.
Great tools exist. They're just built for accountants — and priced like it.
The trackers Australians actually use feel like a tax return, cost $40+ a month, and pretend superannuation doesn't exist. We listened to what investors keep saying:
Everything you own, in one calm view you'll want to revisit.
Add every super fund — including the lost ones — and finally see your retirement savings sitting next to the rest of your wealth. Not an afterthought. The hero.
Australian-native from day one. Franked and unfranked dividends, franking credits, AUD totals — and a dividend calendar that shows income rolling in, not just balances.
Set your number — financial independence, a deposit, retirement — and watch every contribution move the needle. The reason you'll open Imputo on a Sunday, not just at tax time.
Why superannuation
of Australians don't even know their super balance — yet it's one of the two biggest assets most of us will ever own. Imputo brings it into the light.
A price that respects buy-and-hold investors.
Imputo is in early development. Join the waitlist and you'll get first access — plus founding-member pricing locked in for good.
CalculatorsAustralian
Purpose-built tools for real Australian money decisions. Filter by category below, or open the Calculators menu — more on the way.
Superannuation projection & salary-sacrifice tax saving
Two answers in one tool: what salary sacrifice saves you in tax this year — with the contribution cap and Division 293 in view — and where your balance lands at retirement versus employer super alone, against the ASFA comfortable benchmark.
FIFO take-homeWA wedge
Turn a day rate and a roster into what actually hits your account — per swing, per fortnight, per year. The thing the big comparison sites don't bother building.
ETF & LIC fee compare
Same money, same return — different management fee. See what a few basis points of MER actually costs you over the journey. Compare across ETFs and LICs, or scope to one.
Stamp duty & purchasing costsall states
The number that catches buyers out isn't the deposit — it's everything stacked on top of it at settlement. This works the transfer duty for any state or territory, applies the first-home and owner-occupier concessions you're entitled to, then adds the foreign surcharge, lenders mortgage insurance, statutory fees and the First Home Owner Grant to land on the all-in cash you'll actually hand over.
The base transfer duty for your state, then any first-home or owner-occupier concession, then the foreign surcharge if it applies.
Duty plus the costs people forget — statutory fees, conveyancing and LMI — less any First Home Owner Grant. The deposit sits on top of this.
Upfront purchase costs
The cash you actually need at settlement — deposit, stamp duty, lenders mortgage insurance if your deposit is under 20%, plus conveyancing and inspections. The number that catches buyers out.
Offset calculator
What an offset balance saves you in interest — and how many years it cuts off the loan, while your repayment stays the same.
Home loan repayments
Built the way Australian lenders bill — interest accrued daily, charged each period. Model an offset, extra repayments, an interest-only period and the rounded-fortnightly trick that shaves years off the loan.
Loan balance over time
▸ Year-by-year schedule
| Year | Interest | Principal | Balance |
|---|
Refinance calculator
A lower rate looks like an easy win — but the discharge fee, the new lender's costs and any cashback decide whether it really is one. This sets those against the interest you'd save and finds the month you're square again, the difference over the life of the loan, and the comparison rate that puts both deals on the same footing once their fees are counted. Then the lever is yours: take the lower repayment and free up the monthly cash, or hold your repayment where it is and be done with the loan years sooner.
The comparison rate (AAPR) folds each loan's ongoing fees into a single rate — the apples-to-apples figure lenders must publish. The net switching cost is folded into the lifetime saving above, not the table.
LMI calculator
Lenders Mortgage Insurance applies above an 80% loan-to-value ratio. This estimates the premium by LVR, loan size and state — including the often-forgotten stamp duty charged on the premium and the true cost once it's capitalised onto your loan — then weighs buying now against saving to a 20% deposit.
Paying LMI gets you in sooner; waiting avoids the premium but you keep paying rent and the home may appreciate faster than you save. This weighs the LMI you'd avoid against rent plus price growth while saving — it ignores loan-interest differences, returns on your savings and the equity you'd build by owning sooner. Move the growth assumption to test it.
Debt recycling calculator
Debt recycling quietly turns the dead interest on your home loan into deductible interest — you borrow to invest as you pay the mortgage down, swapping a non-deductible debt for a deductible one dollar by dollar. This sketches the tax it could free up and the portfolio it might build along the way. A back-of-envelope illustration, not a plan to run without advice.
Investment property cashflow
The real weekly cost of holding a rental — on both P&I and interest-only — after rent, costs, depreciation and the negative-gearing tax refund, plus the net-worth picture once growth and loan paydown are counted.
| P&I | Interest-only |
|---|
| Annually | Weekly |
|---|
Superannuation fee impact
What the percentage your super fund charges actually costs you by retirement, against a low-cost alternative earning the same return.
FIRE calculator
Your financial-independence number, the earliest age you could sustainably stop, and every flavour of FIRE — built on the Australian two-pot model: super is locked until preservation age 60, so a bridge fund outside super has to carry you through the years before that. All figures in today's dollars.
FIRE isn't one number. Lean and Fat just change the lifestyle you're funding; Coast means you've saved enough to stop contributing and let compounding finish the job; Barista leans on part-time income to get there sooner.
Capital gains tax calculator
The CGT on selling a property, shares or crypto — worked out the way your assessment actually will: the full five-element cost base, capital losses applied before the 50% discount, and the knock-on costs nobody quotes — the Medicare levy, the surcharge if you don't hold hospital cover, and the HECS-HELP spike. The gain stacks on your income, so we compute the tax with and without it and report the exact difference.
Capital proceeds minus the full cost base, then exemptions, losses and the discount — in the order the ATO applies them — and then exactly what the gain adds at assessment.
PAYG variation
If you're owed a refund each year from deductions like a negatively geared property, a PAYG withholding variation turns it into extra take-home pay now instead of a lump sum later.
Coast FIRE calculator
Coast FIRE is the point where the money you've already invested should grow on its own to fund your retirement — so from here you only need to earn enough to cover today's bills, not keep saving hard. This works out that number.
Franking credits & dividend tax calculator
An Australian company that's already paid tax can attach franking (imputation) credits to its dividends. This grosses up a franked dividend, shows the refund or top-up tax — then shows the same dividend landing completely differently for a pension-phase super fund, a wage earner and a top-rate investor.
What each kind of shareholder actually keeps after the franking credit is applied — a refund at the bottom of the tax scale, a top-up at the top. Bars show cash kept; the figure is the effective tax rate on the grossed-up dividend.
To compare a franked share against a term deposit, gross the franked yield up first — that's the pre-tax yield an unfranked investment would need to match it.
Income tax estimator
Your income tax, Medicare levy and take-home pay on Australian resident rates, including the low-income tax offset. The foundation under most of the other tools here.
Dividend & after-tax yield
Two shares can show the same headline yield yet leave you with very different amounts once franking and your tax bracket are counted. This turns a gross cash yield into the franking-adjusted, after-tax yield you actually keep.
Salary sacrifice optimiser
Salary sacrificed into super is taxed at 15% going in, instead of your marginal rate. This shows the tax saved and how much more ends up invested versus taking the money as take-home pay — within the concessional cap.
HECS-HELP repayment calculator
When is your HELP debt actually gone? This projects the balance year by year the way the system really works: each 1 June indexation is applied before the repayments withheld from your pay are credited at tax time — the detail that makes most estimates too optimistic. It uses the marginal repayment system, your real repayment income (with add-backs), and shows what a voluntary repayment before 1 June buys you.
Each year, in this order: any voluntary repayment, then the 1 June indexation, then the compulsory repayment credited at tax time.
The amounts withheld from your pay all year aren't credited to the loan until your return is assessed — so each 1 June, indexation is charged on a balance that still includes them. A voluntary repayment is credited straight away: pay extra in May and it dodges that year's indexation; the same payment in July doesn't. BPAY can take days to land — don't leave it to 31 May.
Division 293 tax
If your income plus your concessional super contributions tops $250,000, an extra 15% tax applies to some of those contributions — lifting the tax on them from 15% to 30%. This shows whether it applies to you and how much.
Borrowing power calculator
What a real Australian lender would actually approve — not a sugar-coated estimate. Applies APRA's 3% serviceability buffer and floor rate, the HEM expense floor, full per-year tax, shaded income and credit-card limits. Every assumption is surfaced below.
Income → tax → net → expenses (floored at HEM) → surplus → the maximum loan that surplus services at the stressed rate. This is the lens a lender applies.
Every lender has its own HEM table, buffer and income shading — which is why your capacity can swing tens of thousands between them. Illustrative archetypes, not specific lenders.
How your maximum loan moves as the offer rate changes — the APRA buffer is still applied on top. A 1% higher rate can cost you tens of thousands of capacity.
Learn
Short, Australian-specific explainers for the decisions behind the calculators. Filter by category below, or jump straight to one from the Learn menu.
Disclaimer
The basis on which Imputo’s information and tools are provided.
Starting template only — not legal advice. Have this reviewed by an Australian lawyer and complete the bracketed details before publishing. Last updated: [date].
General information only
Imputo (imputo.com.au) provides general, factual information and calculation tools about Australian personal finance. It does not take into account your objectives, financial situation or needs, and it is not financial product advice.
Estimates, not guarantees
The calculators produce estimates based on the figures you enter and a set of stated assumptions, such as tax rates, returns and inflation. Real outcomes will differ, rates and thresholds change, and the tools may not always reflect the latest changes. Always verify figures against the relevant primary source before acting.
No liability
To the extent permitted by law, Imputo and Boosttape Australia Pty Ltd accept no liability for any loss arising from reliance on the information or tools on this site. You use them at your own risk.
Seek advice
Before making a financial decision, consider obtaining advice from a licensed financial adviser, registered tax agent or other qualified professional, and read the relevant Product Disclosure Statement (PDS).
Who provides this site
Imputo is a registered business name of Boosttape Australia Pty Ltd (ACN 681 026 871, ABN 32 681 026 871).
Cookie Policy
What cookies Imputo uses and how to control them.
Starting template only — not legal advice. Have this reviewed by an Australian lawyer and complete the bracketed details before publishing. Last updated: [date].
What cookies are
Cookies are small text files a website stores on your device to help it work and to understand how it is used.
What we use
- Essential — needed for the site to function, for example remembering basic display preferences.
- Analytics — we use [e.g. Google Analytics / Plausible] to measure traffic and usage so we can improve the site. [Confirm whether this is privacy-friendly or cookieless.]
The calculators run entirely in your browser — the figures you enter are not sent to us or stored on our servers.
Controlling cookies
You can block or delete cookies in your browser settings. Some features may not work as well if you do.
More
See our Privacy Policy for how we handle personal information.
Important information
Why Imputo’s tools and content are general information only.
Starting template only — not legal advice. Have this reviewed by an Australian lawyer and complete the bracketed details before publishing. Last updated: [date].
General advice warning
The information and calculators on Imputo are general in nature only. They do not take into account your personal objectives, financial situation or needs. Before acting on any information or result, consider whether it is appropriate for your circumstances and seek advice from a licensed financial adviser or registered tax agent.
Not a product recommendation
Imputo does not recommend any specific financial product, fund, lender or strategy. Where products or categories are compared, this is factual information only, not a recommendation to buy, hold or sell. Always read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) before deciding.
No AFSL
Imputo does not hold an Australian Financial Services Licence and does not provide personal financial advice.
Who provides this site
Imputo is a registered business name of Boosttape Australia Pty Ltd (ACN 681 026 871, ABN 32 681 026 871).