Free calculators for Australian money questions
Velofy is a set of free calculators and guides for everyday Australian money questions: how much tax you will pay, whether your pay rise is keeping up with prices, how much stamp duty a home or a car will cost, when your HECS debt will be paid off, and what an interest rate rise does to your repayments.
Every tool is free to use. There is no account to create and no form to fill in before you see your answer.
Velofy is run by Velofy Australia, a small independent Australian business. The site launched in May 2026. We are not owned by, or part of, a bank, lender, super fund, insurer or comparison site.
Calculators for the questions Australians ask most about tax, pay, property, super and cars, each with plain-English answers to the common questions underneath.
The articles explain rules that change: Budget measures, interest rate decisions, new tax and super thresholds, and what they mean in dollars.
Articles are published under four desk names: the Tax Desk, Loan Desk, Property Desk and Super Desk. The desk tells you the topic. Desks are sections of Velofy, not individual people, and every article is written and checked the same way.
We build every calculator from the rules and rates published by the organisations that set them: the Australian Taxation Office, Treasury, the Reserve Bank, the Australian Bureau of Statistics, APRA, the Fair Work Commission and the state revenue offices. Each figure has a recorded check date, and we re-check on the day a number changes, such as an RBA decision or a new tax year.
How we check our figures lists every source and the date each figure was last checked.
Velofy gives general information, not personal advice. Velofy Australia is not a registered tax agent, financial adviser or credit licensee, and our calculators don't know your full situation. Before you lodge a tax return, take out a loan or make an investment decision, talk to a registered tax agent, a licensed financial adviser or a credit licensee.
Velofy is not connected with the ATO, the Reserve Bank, APRA, ASIC or any government agency. We use their published rules; we don't speak for them.
Tell us the page and the figure. We check it against the official source, fix it if it is wrong, and update the date on the page.
Last updated 19 October 2026