Tools / Australian Finance Tools
Australian Finance Tools
Free calculators built specifically for Australians — 2024–25 ATO tax rates, HECS thresholds, franking credits, super rules and more. All 100% free, no account required.
Salary & Tax Planner
PAYG tax, HECS repayments, Medicare Levy, super contributions & salary sacrifice — all in one.
Dividend Income Tracker
Track ASX dividends, calculate franking credits and estimate tax on your dividend income.
Property Investment Cashflow
Rental yield, negative gearing benefits, depreciation and after-tax cashflow projections.
FIRE Calculator Australia
Calculate your Financial Independence number, years to retire early, and safe withdrawal rate.
Superannuation Optimizer
Optimize concessional contributions, compare tax savings, and project your super balance.
GST & BAS Tracker
Track GST collected and paid, calculate your quarterly BAS liability, and manage tax reserves.
Tradie Financial Dashboard
Estimate daily rates, tax reserves, GST obligations and net take-home for tradies.
Mortgage Repayment Optimizer
Model extra repayments, offset account savings, and refinancing scenarios side-by-side.
ASX Dividend Calendar
Browse upcoming ASX dividend dates, yields and franking percentages for major stocks.
HECS/HELP Repayment Planner
Calculate your annual HECS repayments, debt payoff date and salary impact year by year.
Frequently Asked Questions
Are these Australian finance tools free to use?
Yes, all 10 Australian finance tools on Softstribe are completely free. No subscription, no credit card, and no account is required. All calculations run instantly in your browser.
Do the tools use 2024–25 Australian tax rates?
Yes. All tools use the current 2024–25 ATO rates including the Stage 3 tax cuts (effective 1 July 2024), the updated HECS/HELP repayment thresholds, the $30,000 superannuation concessional contributions cap, and current Medicare Levy rules.
What is the HECS/HELP repayment threshold for 2024–25?
The minimum HECS/HELP repayment threshold for 2024–25 is $54,436. Repayment rates range from 1% at $54,436 up to 10% for incomes above $158,891. The Softstribe HECS/HELP Repayment Planner models your full repayment timeline including salary growth and indexation.
How do I calculate my take-home salary after the Stage 3 tax cuts in Australia?
Use the Softstribe Australian Salary & Tax Planner. Enter your gross salary, HECS debt, and super details. The tool applies the 2024–25 Stage 3 tax brackets (0%, 16% up to $45k, 30% up to $135k, 37% up to $190k, 45% above), Medicare Levy, LITO and HECS repayment to give your annual, monthly and fortnightly take-home pay.
What is a FIRE number and how do I calculate it for Australia?
Your FIRE (Financial Independence, Retire Early) number is the total investment portfolio needed to cover your living expenses indefinitely. The standard formula is Annual Expenses ÷ Safe Withdrawal Rate (typically 4%). The Softstribe FIRE Calculator Australia models Lean FIRE, Regular FIRE and Fat FIRE scenarios, accounting for Australian superannuation and investment returns.
What are franking credits and how do they affect my dividend tax in Australia?
Franking credits (imputation credits) represent tax already paid by an Australian company at the corporate rate (30%). When you receive a franked dividend, you can offset these credits against your personal income tax. If your tax rate is lower than 30%, you may receive a refund. The Softstribe Dividend Income Tracker calculates your franking credits, grossed-up income and tax payable or refundable.
Can I use these tools for my tax return or financial planning?
These tools are designed for educational and planning purposes to help you understand your financial position. For lodging a tax return or making investment decisions, always consult a registered tax agent or financial adviser.
Does the superannuation optimizer include the $30,000 concessional cap for 2024–25?
Yes. The Softstribe Superannuation Optimizer uses the 2024–25 concessional contributions cap of $30,000 per year (up from $27,500) and the non-concessional cap of $120,000. It calculates your tax saving from salary sacrifice and projects your balance at retirement using compound growth.
All calculators use 2024–25 Australian Tax Office rates. Always consult a registered financial adviser for personal advice.