# NodeSaver
> Free Australian financial calculators and money guides. Data sourced from ATO, RBA, AER, and state revenue offices. Updated for 2025–26.

## Calculators

- [Salary Take-Home Calculator](https://nodebases.com/salary): ATO income tax + Medicare levy + super guarantee (2025–26 rates, Stage 3 cuts applied)
- [Pay Rise Calculator](https://nodebases.com/pay-rise): After-tax value of a raise, keep rate and threshold crossings
- [HECS Payoff Calculator](https://nodebases.com/hecs-payoff): HELP debt repayment timeline by income
- [Salary Sacrifice Calculator](https://nodebases.com/salary-sacrifice): Pre-tax super contributions and take-home impact
- [ABN vs PAYG Calculator](https://nodebases.com/abn-vs-payg): After-tax income comparison for contractors
- [Long Service Leave Calculator](https://nodebases.com/long-service-leave): Weeks accrued and payout rules for all 8 states
- [Hourly to Salary Calculator](https://nodebases.com/hourly-to-salary): Hourly rate to annual salary with 2026–27 take-home pay
- [WFH Deduction Calculator](https://nodebases.com/wfh-deduction): Work from home tax deduction (ATO fixed-rate method)
- [GST Calculator](https://nodebases.com/gst): Add 10% GST or extract GST with the divide-by-11 rule
- [Medicare Levy Surcharge Calculator](https://nodebases.com/medicare-levy-surcharge): MLS threshold and tier calculator
- [Franking Credits Calculator](https://nodebases.com/franking-credits): Imputation credit refund estimate
- [Family Tax Benefit Calculator](https://nodebases.com/family-tax-benefit): FTB Part A and B estimate (2025–26 rates)
- [Child Support Calculator](https://nodebases.com/child-support): Basic 8-step formula estimate (2026 rates)
- [Paid Parental Leave Calculator](https://nodebases.com/paid-parental-leave): PPL days, income test and payment (2026–27 rates)
- [Super Projection Calculator](https://nodebases.com/super-projection): Superannuation balance at retirement
- [Super Co-contribution Calculator](https://nodebases.com/super-co-contribution): Government co-contribution eligibility
- [Super Consolidation Calculator](https://nodebases.com/super-consolidation): Savings from merging multiple super accounts
- [Transition to Retirement Calculator](https://nodebases.com/transition-to-retirement): TTR pension strategy
- [Super Drawdown Calculator](https://nodebases.com/super-drawdown): How long an account-based pension lasts
- [FHSS Calculator](https://nodebases.com/fhss-calculator): First Home Super Saver scheme
- [FIRE Calculator](https://nodebases.com/fire-calculator): Financial independence retirement corpus
- [ETF Fee Drag Calculator](https://nodebases.com/etf-fee-drag): Long-run cost of management fees
- [Dollar Cost Averaging Calculator](https://nodebases.com/dollar-cost-averaging): DCA vs lump sum projection
- [Inflation Calculator](https://nodebases.com/inflation): Purchasing power between any two years, 1949–2026 (ABS CPI)
- [Home Loan Calculator](https://nodebases.com/loan): Monthly repayments, P&I and interest-only
- [Stamp Duty Calculator](https://nodebases.com/stamp-duty): All 8 Australian states and territories
- [House Deposit Savings Calculator](https://nodebases.com/deposit-savings): Time to save a deposit including stamp duty and LMI trade-off
- [Rent vs Buy Calculator](https://nodebases.com/rent-vs-buy): Break-even analysis with opportunity cost
- [Negative Gearing Calculator](https://nodebases.com/negative-gearing): After-tax cash flow on investment property
- [Property Affordability Calculator](https://nodebases.com/property-affordability): Borrowing capacity estimate
- [LMI Calculator](https://nodebases.com/lmi): Lenders mortgage insurance estimate
- [Offset Account Calculator](https://nodebases.com/offset-account): Interest saved via offset
- [Extra Repayments Calculator](https://nodebases.com/extra-repayments): Loan term reduction from extra payments
- [Mortgage vs Super Calculator](https://nodebases.com/mortgage-vs-super): Extra repayments vs salary sacrifice to super
- [Bridging Loan Calculator](https://nodebases.com/bridging-loan): Peak debt, capitalised interest and end debt
- [Rental Yield Calculator](https://nodebases.com/rental-yield): Gross and net rental yield
- [Land Tax Calculator](https://nodebases.com/land-tax): Land tax by state
- [Property Depreciation Calculator](https://nodebases.com/property-depreciation): Div 40/43 depreciation
- [CGT Calculator](https://nodebases.com/cgt): Capital gains tax with 50% discount
- [CGT Timing Optimizer](https://nodebases.com/cgt-optimizer): When to sell for lowest CGT
- [Rentvesting Calculator](https://nodebases.com/rentvesting): Rent where you live, invest elsewhere
- [EV vs Petrol Calculator](https://nodebases.com/ev): Running cost comparison with state electricity rates
- [Fuel Cost Calculator](https://nodebases.com/fuel): State-by-state petrol/diesel costs
- [Novated Lease Calculator](https://nodebases.com/novated-lease): FBT-exempt EV lease savings
- [Car Loan Calculator](https://nodebases.com/car-loan): Vehicle finance repayments
- [Vehicle Total Cost Calculator](https://nodebases.com/vehicle-cost): Total cost of ownership over 5 years
- [Solar Panel ROI Calculator](https://nodebases.com/solar): Payback period with state feed-in tariffs
- [Home Battery ROI Calculator](https://nodebases.com/home-battery-roi): Battery storage payback period
- [Gas vs Electric Appliance Calculator](https://nodebases.com/gas-vs-electric): Running cost comparison
- [Credit Card Payoff Calculator](https://nodebases.com/credit-card-payoff): Debt repayment timeline

## Money Guides

- [Australian Money Guides](https://nodebases.com/guides): Authoritative explainers on tax, investing, property, super, vehicles, and household bills

## Data Sources

ATO (income tax brackets, super guarantee rate, HECS/HELP thresholds, franking credits), RBA (cash rate), AER (default market offer electricity tariffs), state revenue offices (stamp duty and land tax schedules), RACQ / FuelCheck / FuelWatch (state fuel prices), PropTrack (dwelling price benchmarks).

## Optional

Full sitemap: https://nodebases.com/sitemap.xml
Editorial policy: https://nodebases.com/about/editorial