Velofy — Free Australian Financial Calculators

Know your numbers.
Make better financial decisions.

Velofy is a set of free Australian calculators for tax, home loans, stamp duty, super and HECS, built on rates published by the ATO, APRA, the RBA and state governments.

Tax Calculator Loan Calculator
Calculations based on
All Tools

Australian financial calculators

Every tool uses current ATO, APRA and state rates.

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Tax Deductions Calculator
ATO rates for 2025–26 returns, profession deductions, offsets and Medicare levy — plus salary sacrifice strategies.
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Loan Calculator
Repayments (principal & interest or interest-only), the bank stress-test buffer, deposit size and mortgage insurance checks.
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RBA Rate Change Calculator
What the next cash-rate rise or cut does to your repayments — save your loan and the new rate loads after each RBA decision.
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Valuation Shortfall Calculator
Bank valuation lower than the purchase price? See how much extra you need to find, or what mortgage insurance costs if you borrow it. Works for off-the-plan too.
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Stamp Duty Calculator
All 6 states compared side-by-side — NSW, VIC, QLD, WA, SA, ACT. First home buyer concessions included.
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HECS Repayment Calculator
$69,528 threshold, marginal repayment rates, indexation and payoff timeline for 2026–27.
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Super Calculator
Projected balance, concessional contributions, salary sacrifice impact.
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Payday Super Check
Payday Super started on 1 July 2026 — check your payslip's super and tax withheld against the official ATO schedules in 30 seconds.
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Capital Gains Tax Calculator
CGT discount method, 50% discount for assets held >12 months, property/shares/crypto.
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Negative Gearing Calculator
Includes the 2026 negative gearing changes (law since 26 June 2026). Tax saving, cash flow, grandfathering check, building and fittings depreciation.
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Medicare Levy Surcharge Calculator
$105k single threshold, tier-by-tier surcharge, hospital cover break-even verdict for 2026–27.
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Salary Sacrifice Calculator
Exact tax saving at your marginal rate, with the high-earner super tax flag, concessional cap tracker and 30-yr compound projection.
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Compound Interest Calculator
Per-period compounding (weekly to annual), nominal + inflation-adjusted real value, year-by-year schedule.
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ETF Projection Calculator
VAS / VGS / VHY / NDQ / IVV / A200 / IOZ / VDHG / DHHF verified 5-year returns after fees, inflation-adjusted value, and what each pays in distributions.
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Pay Rise vs Inflation Calculator
Official inflation data and current tax rates. See if your salary has kept up with inflation.
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Job Offer Comparison Calculator
After-tax + super + salary packaging + bonus likelihood + 30-year retirement gap.
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NSW Rent Check
Is your rent above or below the median? Your weekly rent vs NSW Fair Trading bond data — postcode, dwelling type, bedrooms.
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Sydney Rental Yield Map
Rental yield by suburb: interactive map, every-postcode table and a yield calculator. Real government data.
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Car Stamp Duty Calculator
Motor vehicle duty for QLD, NSW, VIC, WA, SA & ACT — EV, hybrid and cylinder-based rates, plus the $100k price cliffs.
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Car Repair or Replace Calculator
Is the repair quote worth it? Keep vs replace over 3, 5 or 7 years — with the depreciation, stamp duty and loan interest most comparisons skip.
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Property Sale Profit Calculator
Paper profit vs what you actually walk away with — interest paid, all costs, CGT and your break-even sale price.
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School Zone or School Fees Calculator
Catchment premium vs private school cost over 13 years — extra stamp duty, interest on the premium, and the growth rate the zoned home needs to win.
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EOFY Deduction Checklist
Personalised by profession — 8 common deductions + nurse/teacher/tradie/IT/WFH-specific items. Print-ready for your tax agent.
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Tax Outlook for Tax Agents
Drop a client’s notice of assessment and get a free 7-page 2026–27 report with your firm’s name and logo, ready to email.
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Car stamp duty by state: NSW · VIC · QLD · WA · SA · ACT. Weighing a school zone against private fees? Read school zone premium vs private school fees.