20 calculators
Every calculator, and what each one is for
One per decision. Open the one that matches the thing you are actually facing — or read the page behind it first, which sets out what that calculator works out, what it costs to get the decision wrong, and what the report gives you.
Aged care
RAD or DAP
Prices every lawful way of paying for an Australian aged care room on your own figures — refundable deposit, daily payment, or a combination — applies the means test to your income and assets, and ranks every option on what it leaves your family at the end.
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Tax
Small Business CGT
The four concessions, priced in every lawful order
Division 296 Projector
The $3m super tax, on your own figures
Redundancy Payout
What you are owed, what is taxed, and what you keep
Resident or Not
The Australian tax residency question, answered and priced
Main Residence CGT
Your old home, and how much of the gain is actually taxed
Small Business CGT
Applies the Division 152 basic conditions to your own figures - the $2 million aggregated turnover test, the $6 million maximum net asset value test and the active asset test - then prices every lawful combination of the 15-year exemption, the 50% active asset reduction, the retirement exemption and the small business rollover, and ranks them on what the sale leaves after tax.
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Division 296 Projector
Projects Division 296 tax year by year on a member's own total super balance, prices every lawful response on one measure, calls the SMSF cost base reset election either way, and solves the withdrawal decision before the first measurement date on 30 June 2027.
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Redundancy Payout
Works out an Australian redundancy payout in full — the National Employment Standards scale or an award or agreement scale, notice or payment in lieu, unused annual leave and long service leave — then applies the genuine redundancy tax-free limit, the employment termination payment caps and the flat rates on leave, and ranks every lawful way of handling the payment on what it leaves you.
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Resident or Not
Applies the four Australian tax residency tests in section 6(1) of the Income Tax Assessment Act 1936 — the resides test, the domicile and permanent place of abode test, the 183 day test and the Commonwealth superannuation test — to one person's own facts, then prices every outcome those facts could produce: worldwide income against Australian sourced income, the tax-free threshold in full, apportioned or lost, the Medicare levy, the temporary resident exemption, and the capital gains tax that falls due on the day residency ends.
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Main Residence CGT
Works out how much of the capital gain on a former main residence is taxed in Australia — the days-based apportionment in section 118-185, the six-year absence rule in section 118-145, the market value reset in section 118-192, partial business use, the 50% discount and the tax at your own marginal rate — then prices every lawful option side by side and ranks them on what the sale leaves you after tax.
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Family
Child Support Calculator
Runs the full eight step Australian child support formula on your own figures — combined child support income, the costs of the children table, care and cost percentages, multi-case allowances, non-parent carers and both the fixed and minimum annual rates — then prices all ten change of assessment reasons and the assessment at every one of the 365 nights of care.
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Retirement
Retirement Village Exit Fee Calculator
What the contract takes back on the way out
Pension Optimiser
The assets test, the income test, and what every dollar over the line costs you
Retirement Village Exit Fee Calculator
Prices a retirement village contract on your own figures — the deferred management fee, the capital gain share, the exit obligations and your state’s statutory deadlines — at three, five, eight and twelve years, and ranks the village against staying put, downsizing and a land lease community on one measure.
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Pension Optimiser
Calculates the Australian Age Pension under both the assets test and the income test on your own figures — deeming, the Work Bonus, the homeowner and non-homeowner free areas, gifting and the exemptions — then prices every lawful way of reducing assessable assets and ranks them on one measure: pension received over the projection plus what the household still owns at the end.
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Property tax
Land Tax Check
Every state, every structure, one bill
GST Margin Scheme
Property development GST, priced every lawful way
Land Tax Check
Aggregates Australian land holdings the way each state's revenue office does, applies the published land tax scales, trust surcharge rates and foreign owner surcharges in all eight jurisdictions, and ranks every lawful ownership structure on total land tax over the holding period.
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GST Margin Scheme
Prices the GST on an Australian new residential property sale every lawful way on your own figures — the full one eleventh of the price, the margin scheme on the consideration you paid, the margin scheme on an approved valuation, a GST-free going concern — checks whether the chain of title lets you use the margin scheme at all, works out the amount the purchaser withholds at settlement, and prices the increasing adjustment where the property is rented before it sells.
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Family law
Property Settlement Calculator
Applies the four step pathway in section 79 of the Family Law Act 1975 to one household's own figures — identify and value the pool, assess contributions, assess current and future circumstances, test just and equitable — and produces a percentage range and a dollar range, with every factor priced in percentage points and nine ways of settling ranked on what reaches you after the cost of getting there.
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Business tax
Division 7A Calculator
Company loans, minimum repayments and the deemed dividend, priced
Payroll Tax Grouping
One group, eight states, one shared threshold
Division 7A Calculator
Works out the minimum yearly repayment on a complying Division 7A loan at the 2026-27 benchmark interest rate of 8.77%, prices the deemed dividend if that repayment is missed, and ranks every lawful way of dealing with money taken out of a private company on what it leaves the owner.
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Payroll Tax Grouping
Works out Australian payroll tax across all eight states and territories for a group of businesses treated as one employer, splits each jurisdiction's tax-free threshold by where the wages were paid, adds the state surcharges and levies, and prices every lawful way of dealing with what has been under-declared.
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Wills and estates
Family Provision
Prices what a family provision claim could take out of an Australian estate on your own figures — who counts as an eligible person in your state, how the factors a court weighs line up, an indicative range for the provision, the legal costs the estate usually bears, and the deadline you are working to. Ranks all nine ways the claim can end on what reaches the will's beneficiaries.
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Insurance and super
TPD Claim Value
Works out what an Australian total and permanent disability claim paid through superannuation is worth after tax — across every super account held, applying the future service uplift in section 307-145 of the Income Tax Assessment Act 1997 — and ranks every lawful way of taking the money on what actually reaches the bank account.
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Tax and super
Catch-Up Super
Works out how much unused concessional contributions cap an Australian has built up over the rolling five year window, whether their total superannuation balance at the previous 30 June was under $500,000, and what a catch-up contribution is worth in tax in a specific year — then prices every contribution amount side by side and ranks them on the tax kept after the fund's own 15%.
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Employment
Award Back Pay
What the award said you should have been paid
Contractor or Employee
What a reclassified contractor actually costs
Award Back Pay
Rebuilds what an Australian modern award required week by week — classification rate, casual loading, evening and weekend penalty rates, public holidays, overtime and allowances — compares it against what was actually paid, adds superannuation on the shortfall and interest, applies the six year recovery window, and prices every route the difference can be recovered through.
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Contractor or Employee
Runs the Australian contractor or employee tests on your own arrangement — the multifactor common law test as reframed by the High Court, the Fair Work Act whole-of-relationship test, the super guarantee labour contract rule, the payroll tax relevant contract rules and the workers compensation deeming provisions — then prices the back super and super guarantee charge, payroll tax, workers compensation premium, leave and PAYG withholding that a reclassification would produce, and ranks every lawful option on what it leaves the business paying.
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Money
Super Death Benefits Tax Calculator
Works out the tax payable on an Australian superannuation death benefit paid to somebody who is not a death benefits dependant, applies the current contribution caps to every lawful way of reducing it, and ranks the options on what actually reaches the beneficiaries.
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Every one of them is free to run, and will show you where you stand before it asks you for anything.
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