01
Real government data
Every rate traces back to the ATO, RBA, AER or a state revenue office — not an industry estimate. Source and date sit at the bottom of every page.
Smart Money · Australia
The honest guide to every Australian dollar.
NodeSaver is a free Australian financial calculator site — 38 tools covering salary, mortgages, EV costs, property and investing, for every state and territory. All built on real ATO brackets, RBA rates and government data. Sourced, dated, never embellished.
By the Editors·Source & date on every page·Australia, all states
For most Australians, the difference between a good year and a bad one is a handful of numbers nobody really explains. What does a $110,000 salary actually pay after tax? With the RBA cash rate at 4.35% and the average variable mortgage above 6.8%, how much is that adding to your repayments? Is an EV worth it in Victoria? NodeSaver built the tools we wished existed: state-aware, source-cited, and free to use without giving up an email address.
Every calculator draws on the same datasets our editors maintain, refreshed on the cadence each one demands — annually for tax thresholds, within a day of each RBA decision, quarterly for fuel and electricity. The source and last-updated date are printed at the bottom of every page. If you spot something wrong, write to us — we correct it the same day.
§ Why NodeSaver
Numbers you can actually check.
Anyone can build a slider that spits out a number. The difference is whether you can trace that number back to something real, and whether you had to hand over your email to see it.
02
No sign-up, ever
No account, no email, no paywall. Every calculation runs in your browser and is never sent to our servers.
03
State-by-state, not averaged away
Electricity, fuel, stamp duty and land tax all vary by state. Our numbers do too, instead of one national figure standing in for eight different systems.
04
We show the working
Every result comes with the assumptions behind it, so you can see why the number is what it is, not just trust a black box.
§ The Full Index
Every tool, one list.
- 01
Salary take-home calculator · Most-read
After income tax, Medicare levy, HECS/HELP and super — using current ATO brackets and the 2025–26 super guarantee.
Pay · 12,400 this month→ - 02
Mortgage repayments
Monthly, fortnightly or weekly repayments, total interest, amortisation schedule, and offset impact.
Loan · 8,150 this month→ - 03
Stamp duty by state
Transfer duty across all eight states and territories, including first-home-buyer concessions.
Property · 4,720 this month→ - 04
EV versus petrol
Five-year ownership cost across 60+ Australian models, with state electricity and fuel prices.
Vehicle · 3,940 this month→ - 05
Fuel cost calculator
Spend per trip, week, month and year, with current state-based bowser prices.
Vehicle · 2,810 this month→ - 06
Negative gearing
Annual tax saving and weekly holding cost on an investment property, using ATO brackets and all deductible expenses including depreciation.
Property · 3,840 this month→ - 07
Rent vs buy
True cost of buying versus renting over 10, 20 and 30 years — factoring in capital growth, stamp duty, mortgage interest and opportunity cost.
Property · 2,990 this month→ - 08
FIRE calculator · New
Years to financial independence based on your savings rate, expected returns and target portfolio — with compound interest projections.
Investing · New→ - 09
Credit card payoff · New
Months to clear your balance, total interest paid, and the true cost of making only minimum repayments.
Debt · New→ - 10
Property hub · New
Stamp duty, negative gearing, rent vs buy, offset account and depreciation tools together on one page with shared inputs.
Property · New→ - 11
Pay rise calculator · New
What a raise is actually worth after tax, Medicare and HECS — your keep rate, and whether it crosses a bracket or threshold.
Pay · New→ - 12
Mortgage vs super · New
Extra repayments or salary sacrifice for your spare monthly cash — marginal tax vs 15% contributions tax, compared year by year.
Property · New→
Where to begin
Most readers arrive at one of four life moments. Pick yours and we'll point you at the right calculator — and the next one you'll need.
Scenario · 01
I'm changing jobs
See exactly what a salary offer means after tax, super and HECS.
Salary →Scenario · 02
I'm buying a house
Repayments, total interest, plus stamp duty in your state.
Scenario · 03
I'm thinking about an EV
Five-year ownership cost vs petrol, with charging at your state's rate.
Scenario · 04
I own an investment property
How much tax do you actually save? Is it positively or negatively geared after depreciation?
Letters & replies
Questions, answered.
Drawn from real reader queries and search-engine traffic. If yours isn't here, write to the editors.
Are these calculators free? Do I need to sign up?+ open
Yes — everything on the site is free, with no account required. Calculations run in your browser; we do not store your inputs. The site is funded by advertisements.
How accurate is the salary calculator?+ open
We apply current ATO resident tax brackets (including the 15% rate that applies from 1 July 2026), the 2% Medicare levy with surcharge thresholds, and the 12% super guarantee in force since 1 July 2025. Your actual payslip can vary with salary sacrifice, fringe benefits and offsets.
Where does your data come from?+ open
Tax brackets and super: ATO. Cash rate and mortgage rates: RBA and Finder. Stamp duty: each state revenue office. Negative gearing: ATO tax brackets (2026–27). Electricity: AER default market offer. Fuel: FuelCheck, RACQ and FuelWatch state averages. Dwelling prices: PropTrack. Each calculator page lists its own sources at the bottom.
Can I use these for financial advice?+ open
No. We are a tools publication, not licensed advisers. Use the numbers to inform your own thinking and to ask better questions of a registered planner, broker or tax agent.
How often do you update the numbers?+ open
Tax and super at the start of each financial year (July) and after federal budget changes. Cash rate within a day of each RBA meeting. Fuel and electricity quarterly with the most recent state averages.
Is NodeSaver affiliated with the ATO, RBA or a bank?+ open
No. NodeSaver is an independent publisher, not a government body, bank or licensed financial adviser. Our calculators use publicly published rates and thresholds from the ATO, RBA, AER and state revenue offices, but we have no commercial relationship with them. Use the numbers to inform your own research, not as official guidance.
Data & method
Financial tools without sourcing are worthless. Below is every dataset behind the calculators, its upstream owner, and when we last refreshed it.
| Dataset | Source | Last updated | |
|---|---|---|---|
| Resident income tax brackets | ATO | Jul 2026 | Salary · Neg. gearing |
| HECS/HELP repayment thresholds 2025–26 | ATO | Jul 2025 | Salary |
| Superannuation guarantee rate (12%) | ATO / Treasury | Jul 2025 | Salary |
| RBA cash rate (4.35%) | Reserve Bank of Australia | May 2026 | Mortgage |
| Avg variable mortgage rate (6.84%) | RBA / Finder rate tracker | May 2026 | Mortgage |
| Stamp duty schedules — all 8 states | State revenue offices | Apr 2026 | Stamp duty · Neg. gearing |
| Median Sydney dwelling ($1.62m) | PropTrack / CoreLogic | Apr 2026 | Homepage |
| Electricity default offers (c/kWh) | AER / ESC / IPART | Apr 2026 | EV · Solar |
| Feed-in tariff rates by state | AER / state distributors | Apr 2026 | Solar |
| State fuel averages (bowser) | FuelCheck, RACQ, FuelWatch | May 2026 | Fuel · EV |
| EV & ICE model prices and consumption | Manufacturer RRPs (Australia) | Mar 2026 | EV |
| Solar irradiance (peak sun hours) | Bureau of Meteorology | Mar 2026 | Solar |
NodeSaver is an independent project. We are not authorised representatives of any bank, lender or financial institution. Results are estimates intended to inform your own research; they are not personal financial product advice within the meaning of the Corporations Act 2001 (Cth).