Free, and nothing changes on this page. One email, then only if the rates change or a deadline is close. Unsubscribe in one click.
Every calculation is unlocked. Change one figure and re-run it as many times as you like — nothing is deducted, nothing counts down, and none of it expires.
The year you sell is the only year this works
You have sold something, or you are about to, and there is a tax bill coming that is bigger than any you have had before. Somewhere in myGov there is a number called unused concessional contributions that could take a large bite out of it — and nobody in the transaction is paid to mention it.
A licensed adviser will work it out for $2,500 to $6,000, over weeks you may not have. We do it in three minutes — every contribution amount priced, ranked, and shown with the working.
A rough guide only. It assumes you have never contributed beyond the compulsory employer amount. The full calculator asks what actually went in, year by year.
If this is you
It is buried in one section of the tax act, shown in myGov as a number with no explanation beside it, and useful in about one year out of ten. Almost nobody is told, and the people around a sale are not paid to say.
The accountant does the return months after the year has closed, and by then the contribution can no longer be made. The window shut on 30 June and nobody in the room at the time was thinking about superannuation.
Concessional. Non-concessional. Total superannuation balance. Notice of intent. Division 293. Every one of them is a real rule with a real figure behind it, written in language nobody outside the industry uses.
Sometimes that is right and often it is not. The last dollars of a large contribution come off a lower tax bracket than the first ones, and above $250,000 of income the fund takes 30% instead of 15%.
Two different fears. One is a deadline that is real and closer than the calendar suggests. The other is preservation: money that goes into super stays there until a condition of release, and no tax saving changes that.
You type in what you have. We apply the published caps and tax rates, work out every amount you are allowed to contribute, and put them in order on one measure. No appointment, no sales call, no tax file number, and no name unless you want one on the cover.
Three questions, thirty seconds, and you will know roughly where you stand. It costs nothing.
The loss
Both sold the same rental for the same gain in the same year, on the same salary, with the same super balance. One of them looked up a number in myGov before 30 June and the other one did not.
Dean and Marcus are invented. The arithmetic is not: both figures come from this calculator's own engine on a $400,000 gross gain less $18,000 of selling costs, a $120,000 salary, $14,400 of employer contributions, $320,000 in super at 30 June and five earlier years at the amounts shown on the worked examples page, on the 1 July 2026 caps and rates.
The alternatives
| Guess What most people do |
An adviser Licensed, personal advice |
Catch-Up Super This calculator |
|
|---|---|---|---|
| What it costs | Nothing now, the whole saving later |
$2,500 – $6,000 | $249 |
| How long it takes | An afternoon of searching | Two to six weeks | Under 3 minutes |
| Every amount priced | |||
| Working shown | Usually not | ||
| Tells you what to do |
The clock
This whole subject runs on 30 June. Miss one of these and the choice is made for you, at a price you did not pick and cannot change back.
Unused concessional cap lasts five years and is then gone. The — amount is the oldest one still usable and it disappears on —. Nothing warns you. How the five year window works.
A contribution counts in the income year the fund receives it, not the year it is sent. This year's cap is —, and the most anyone can contribute with five years behind them is —. The paperwork behind it.
The concessional cap is reindexed in $2,500 steps and the second marginal rate falls again. The balance test stays at — because it has never been indexed at all. These figures are the —, for the — income year.
The report
The free estimate tells you roughly where you stand. This is the part that gives you the actual numbers and puts every contribution amount in order. Twelve sections and thirteen charts, on your own figures, with every working shown so you can check it or argue with it.
See a real one, free — an invented household run all the way through, with the open half exactly as a customer sees it, and the assistant live on it for two questions.
How it works
If you can read a super statement, you can use this. Simple mode asks seven short steps. Advanced adds selling costs, capital losses, salary sacrifice and next year's income.
Your super balance at the last 30 June, your age, what went in during each of the five earlier years, this year's income and the gain. We do not ask for your name, your tax file number, your member number or your myGov login, and we never will.
Your total contribution room, whether you pass the $500,000 test, which rules switch on for you, every amount you could contribute named in plain English, and a band around what the whole thing is worth.
$249 opens the full report: every amount priced to the dollar and put in order, so the expensive mistake is obvious before the year closes. PDF included, ready to send to your accountant.
The carry-forward rule itself, the balance test in subsection (3), the ATO's published contribution caps, and the individual income tax rates for 2026-27.
Nothing is a black box. Every figure in the report carries the arithmetic that produced it, down to which tax bracket each slice of the deduction came off.
We are not licensed to tell you how much to contribute, and the arithmetic is the part people are missing anyway — not the opinion.
If the report does not apply to your circumstances, tell us what went wrong within 14 days and it is refunded in full.
Included with the report
Every report comes with an assistant that has read your report — your figures, your unused years, your numbers — and answers questions about it in plain English. Not a search box and not a help page. It knows what your report says because it has been given it.
An example of the kind of answer it gives, on the sample report's figures. Every number in it is on that page.
Pricing
One payment, no expiry, nothing to renew, and we never keep your card. It opens the whole report and lets you redo the sums as often as you like, for as long as you like.
Prices in Australian dollars. Paid securely through PayPal — card or PayPal balance, no account needed. See a sample report before you decide.
Questions
Everyone has an annual limit on the super contributions that go in before tax — the concessional cap, $32,500 in 2026-27. Since 1 July 2018, whatever you do not use in a year is carried forward and can be added to a later year's cap. The window is five years, so in 2026-27 the unused amounts from 2021-22 onwards are still there. Somebody who has only ever had employer contributions going in can have a cap of up to $175,000 in one year.
Only somebody whose total superannuation balance was under $500,000 at the 30 June immediately before the year they contribute in. It is a hard line rather than a sliding scale: at $499,999 the whole carried forward amount is available and at $500,000 none of it is. The balance on any other date makes no difference at all, and the test is run again every 30 June.
The deduction comes off your taxable income at your top rate, and the fund pays 15% on the way in, so what you keep is the difference between the two. At the 47% rate that is 32 cents in every dollar contributed and at the 39% rate it is 24 cents. Once income plus contributions passes $250,000 the fund's rate doubles to 30% under Division 293 and the saving roughly halves.
Yes, and silently. Each year's unused amount lasts five years and is then gone for good. The 2021-22 amount is the oldest one still usable and it expires on 30 June 2027. Nothing warns you, nothing rolls it over, and the ATO does not write to tell you it has happened — the figure in myGov simply reads lower the following July.
No, and this is the part no tax figure can show you. Superannuation is preserved: for everybody now, preservation age is 60, and before then it cannot be reached at all without meeting a condition of release. From 65 it is available whether you have retired or not. The report states your own position on the page rather than in a footnote, because for a lot of people it decides the question on its own.
No. This is an information service: it applies the published rules to the figures you enter and shows what they produce, with every working visible. It ranks contribution amounts on one stated arithmetic measure — the tax kept after the fund's 15% — and does not recommend one. Whether you can afford to lock the money away, and whether your fund will accept the contribution, are not in that measure.
A contribution made in July cannot be deducted against a gain made in June, and the oldest slice of your unused cap is gone by then anyway. The return is lodged months later, when there is nothing left to decide. Three minutes now is the cheapest three minutes in the whole transaction.
No card. No sign up. Your answer on the next screen.
Your unused cap is a real number, the ATO already holds it, and it is worth more this year than it will be next year.
myGov shows you a number. This one shows you what that number is worth in the year you sell — every contribution amount priced side by side, including the ones that save less than they cost.
Figures as at —.
Your estimate
That is the tax on the table this year, on your own figures, after the fund has taken its share.
You can provide a different email to use as your login - or the PayPal one
And you can ask it questions. Your report comes with an assistant that has read it and explains any figure in plain English — if you want it. It is given the amounts on your report, never your name or your email, and the conversation stays in your browser.
Your contribution room, whether you passed the $500,000 test, and the date the oldest slice of your unused cap expires — so it is still in front of you in May when there is time to act on it.
One email, then only if the figures change or a deadline is close. Unsubscribe in one click. We never sell your address.
One decision, one price
In the year something is sold, choosing the wrong contribution amount costs tens of thousands in tax, and the window closes on 30 June. The report prices every amount you could contribute, ranks them on the tax kept after the fund's 15%, and shows the working behind every line.
Yes, it is included, and using it is entirely your choice. It sits behind one button on your report and does nothing until you press it — nothing in the report is held back from somebody who never opens it.
When you do ask it something, what it receives is the figures on your report: amounts and categories. Not your name, not your email address, not your account, and never a Medicare number, tax file number or bank detail — we do not hold those in the first place. The name you can put on the report cover is optional and is not part of what it is given. The conversation stays in your browser tab and is gone when you close it, and we record that a question was asked without recording what it said.
Section 5 of the privacy policy sets out exactly what does and does not travel, including who processes it.
No. You pay once and the access is yours. There is no subscription and nothing renews. PayPal handles the payment, so we never even see your card number.
No, and it is not allowed to. It prices every amount you could contribute on your own figures and puts them in order on one stated measure — the tax kept after the fund's 15% and any Division 293 tax. Which amount suits you also depends on whether you can do without the money until you can reach your super, and no calculator knows that.
Catch-Up Super provides information, not financial product advice. We are not licensed to give personal financial advice and we never tell you which option to pick. What we do is apply the published rules to the figures you enter and show you what they produce, with every working visible. Your real unused cap is the figure the ATO holds and shows in myGov, and a deduction is only allowed once your super fund has acknowledged the notice of intent you lodge with it. Both of those beat anything on this site.
The full report opens the moment the payment clears, on the figures you have already entered. Nothing renews.
You can provide a different email to use as your login - or the PayPal one
Worked examples
Eleven people with a one-off income year: a rental sold, a business sold, an inherited townhouse, one very good trading year, a balance over the line, a cap already used up. The households are invented. Every figure on their cards is not — each one is produced at page load by the same engine a paying customer's report is built from, on the caps and rates below. Nothing here is typed in, so nothing here can go stale.
Everyone has an annual limit on the super that goes in before tax — $32,500 this year. Whatever you do not use is carried forward and can be added to a later year. Each year's leftover lasts five years and then disappears, and nothing warns you when it does.
The carried forward part is available only where your total super balance at the 30 June just gone was under $500,000. It is a hard line, not a sliding scale, and it is measured on that one date and no other.
A deduction is worth whatever rate the income it removes was taxed at, and the fund takes 15% on the way in. What you keep is the difference. That is why the same contribution is worth 32 cents in the dollar to one person on this page and almost nothing to another.
Everything below is those three facts in real dollars, for eleven different households. Worked out on the current schedule.
Your own figure turns on five things none of these people share with you: your balance at the last 30 June, what actually went in during each of the five earlier years, your income before the sale, the size of the gain, and how much cash you could put in before 30 June. Change any one of them and the ranking moves.
Every amount Helena is lawfully allowed to contribute, and what each one keeps. Same income, same cap space — the difference is only in how much of it is used. Open Show Details on any row for what that amount means and what the process involves.
Seven contribution amounts priced on Helena's figures, ranked on the tax kept after the fund's 15%.
The measure, and it is the only one. Every amount is ranked on the income tax and Medicare levy it saves, less the 15% the fund takes on the way in and any extra Division 293 tax it attracts, across 2026-27 and 2027-28 together. It is arithmetic and it is not a recommendation.
What that measure cannot see. Money contributed to superannuation is preserved: on Helena's age it is available on retirement. Whether she can do without it until then is not in any figure on this page.
The longer the bar, the more tax that amount keeps. Nothing on this chart says which one to choose.
Carry-forward is not one bigger cap. It is five separate amounts, each with its own expiry date, used oldest first once this year's own cap is full.
| Income year | Cap | Went in | Unused | Expires |
|---|---|---|---|---|
| 2021-22 | $27,500 | $9,800 | $17,700 | 30 June 2027 |
| 2022-23 | $27,500 | $10,600 | $16,900 | 30 June 2028 |
| 2023-24 | $27,500 | $11,400 | $16,100 | 30 June 2029 |
| 2024-25 | $30,000 | $13,100 | $16,900 | 30 June 2030 |
| 2025-26 | $30,000 | $14,160 | $15,840 | 30 June 2031 |
The slice with a date on it. $17,700 of unused cap from 2021-22 can be used in 2026-27 and in no year after it. On 1 July it is simply not there, and nothing writes to say so.
The whole range from nothing to $101,780, priced one step at a time. Where the line flattens is where another dollar stops earning its keep.
Why the line is not straight. Division 293 charges an extra 15% on the lesser of Helena's concessional contributions and the $64,160 by which her income passes $250,000. Once her contributions pass that figure the extra tax stops growing, so the last $50,000 of the contribution keeps almost twice as much per dollar as the first $50,000 does.
Every date here is legislated or published. None of them is a deadline this site invented.
| Date | What happens | Why it matters |
|---|---|---|
| 30 June 2027 | The 2021-22 unused cap expires | Unused concessional cap lasts five years. Helena's $17,700 from 2021-22 can be used in 2026-27 and in no year after it. |
| 30 June 2027 | The last day the fund can receive a 2026-27 contribution | A contribution counts in the year the fund receives it, not the year it is sent. A transfer made on 30 June that clears on 2 July is a 2027-28 contribution against a 2026-27 tax bill. |
| 30 June 2028 | The deadline for the notice of intent | A deduction is only allowed once the fund has acknowledged a valid notice of intent, and the notice has to be given by the earlier of the day the return is lodged and the end of the following income year. |
Written as the general process, not as instructions. This service is not licensed to tell any particular person what to do with their own money.
Everything above is real arithmetic on a fictional household. Run yours and this half opens on your own figures.
And you can ask it questions. Every report comes with an assistant that has read your report and explains any figure in it in plain English. Using it is entirely your choice, it does nothing until you press the button, and it is given the amounts on your report and never your name, your email or your account.
That is somebody else's answer. Yours takes about three minutes and costs nothing.
The link may have already been used. If you are still getting emails, write to us and we will stop them by hand.
Guides
Twenty-one plain English guides to catch-up concessional contributions: the five year window, the $500,000 balance test, what a deduction is actually worth against a capital gain, and the paperwork that decides whether it counts. Written for somebody who has just sold something and has never heard the words before — this year's caps, this year's rates, and every working shown.
Reading is useful. Knowing what this is about to cost you is better.
The year you sell
You do not need to sell anything for this to be worth doing. A large bonus, one exceptional year of self-employed income, a lump sum of back pay, or the taxable part of a redundancy payout all push income into a band you are not normally in — and a catch-up contribution comes off the top of it.
The mechanism does not care where the income came from. Australia taxes on a progressive scale, so the last dollars of a large year are taxed at a much higher rate than the first ones. A deduction removes income from the very top of that stack.
The difference from a capital gain is that ordinary income has no discount. A $150,000 gain on a property held over twelve months adds $75,000 to taxable income; a $150,000 bonus adds $150,000. So a given amount of one-off income does more damage than the same amount of capital gain — and a deduction against it is correspondingly more useful.
This is where a redundancy year needs care, because a termination payout is not one thing. It is usually four or five things with four or five different tax treatments, and only some of them belong in this calculation.
| Part of the payout | How it is taxed | Include as one-off income? |
|---|---|---|
| Tax-free part of a genuine redundancy | Not assessable at all | No |
| Employment termination payment (the taxable balance) | Its own concessional rates up to a cap | No |
| Unused annual leave paid out | Ordinary rates, with an offset in some cases | Generally yes |
| Unused long service leave paid out | Depends on when it accrued | Ask a tax agent |
| Salary and wages up to the last day | Ordinary rates | Yes, in the salary field |
| A bonus or ex gratia amount that is ordinary income | Ordinary rates | Yes |
Putting a whole termination payout into a calculator as ordinary income overstates the answer, often by a lot. The figure that belongs here is the part that goes in at ordinary marginal rates and nothing else.
Bianca is 41 and works as a contract project manager. Four ordinary years on around $118,000 were followed by one where a long project finished and she invoiced an extra $145,000. Her taxable income for the year is $263,000 rather than $118,000.
She has $205,000 in super, so she passes the $500,000 test comfortably. Her employer contributions have never filled the cap, leaving $87,340 of unused cap, and $18,340 of this year's own cap. Room: $105,680 — but she has $90,000 of cash available, so the cash is what binds rather than the rules.
Contributing $90,000 removes income taxed at 47% down to $190,000, then at 39% below that. Against the fund's 15% and the Division 293 tax that a $263,000 year attracts, she keeps a little under $27,000 — and $74,550 of the contribution lands in her super.
The following year her income goes back to $118,000, where the same contribution would have been worth about a third less. That is the whole argument for using the room in the year the income is unusual.
Division 293 charges an extra 15% on concessional contributions where income plus contributions passes $250,000, so the fund effectively takes 30%. The threshold has not moved since 2017 and is not indexed.
A one-off income year is exactly what pushes somebody over it who is nowhere near it ordinarily, and it applies for that year alone. It does not make the contribution pointless — 47% against 30% still keeps 17 cents in the dollar — but it does roughly halve the answer, and it is the single biggest reason a rule of thumb overstates the saving. How it is actually calculated is here, and it is not what most people assume.
In a sale year the money arrives and the tax bill arrives together. In a redundancy year the money arrives and the income may not restart.
A catch-up contribution moves cash into an environment it cannot be taken back out of. Preservation age is 60 for everybody now, so somebody made redundant at 48 with an uncertain employment outlook is contemplating locking money away for twelve years at exactly the moment liquidity matters most.
That is not an argument against it. It is an argument for the figure the calculator asks for: how much cash could you actually put in, as opposed to how much room the rules allow. The two are usually very different, and the smaller one is the one that decides.
A deduction reduces income tax and the Medicare levy. It does not reduce:
Nothing about a bonus or a redundancy changes the mechanics of the contribution itself. The money has to reach the fund before 30 June of the same income year, a notice of intent has to be lodged with the fund and acknowledged in writing, and the deduction is claimed in that year's return.
One thing worth watching in a redundancy year: if you are consolidating or rolling over super accounts at the same time — which people often do when they leave a job — the notice of intent has to be given before the money leaves the account. Rolling over first destroys the deduction.
Enter the extra income, your ordinary salary and your balance at 30 June, and we price every contribution amount against it.
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About
You have sold a rental, a business or something you inherited, or you have had one year of income that is nothing like the others. There is a tax bill coming that is larger than any you have had before, the money to pay it is sitting in your account, and somebody has mentioned that you could have put some of it into super. The window to do anything about it closes on 30 June, which is usually months before the return is even prepared.
None of the rules are secret. Carry-forward is section 291-20 of the Income Tax Assessment Act 1997, the $500,000 balance test is subsection (3) of it, the contribution caps are published by the ATO each year, and the individual income tax rates are in the Income Tax Rates Act 1986. The reason so few people ever see their own figures is that those rules sit across four documents, none of which is written for the person affected, and the one screen that shows the number — myGov — shows it without any arithmetic beside it.
Catch-Up Super does one thing: it applies those published rules to your figures and shows you, in full, what they produce. Every contribution amount priced, every one ranked on one stated measure, and every working visible — down to which tax bracket each slice of the deduction comes off — so you can check it, argue with it, or take it to somebody who can.
We do not tell you how much to contribute. We are not licensed to, and frankly the arithmetic is the part people are missing — not the opinion. Here is what licensed advice on this actually costs, if you decide you want it as well.
Short version: we hold as little as we can, we never ask for the identifiers that matter most, and the calculation runs on your own device. The long version is below, because you are entitled to it.
This policy explains how XTO Pty. Ltd. (we, us, our) collects, holds, uses and discloses personal information, and how you can access, correct or complain about it. We handle personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
It applies to calculatedchoices.com.au and to every email we send you. It does not apply to any third party site we link to.
We do not ask for, and you should never send us, your Medicare number, tax file number, tax file number, super member number or myGov login, bank account details or card number. The calculator does not need them. If you send one to us anyway we will delete it rather than store it.
We do not collect sensitive information as defined in the Privacy Act — health information, racial or ethnic origin, political or religious beliefs, sexual orientation, or criminal record. Where the calculator asks about care needs it asks about funding categories, never about a medical condition.
Information you give us
Information collected automatically
In your browser, on your device. The figures you type into the calculator are processed locally to produce your result. They are transmitted to us only if you choose to save a scenario to your account. If you never save one, we never receive them.
Two exceptions, and both are things you have to choose to do:
A paid report comes with an optional assistant you can ask questions about your own figures. It is the one part of this site that sends anything to a third party, so it is set out here in full.
It is entirely your choice, and it does nothing until you use it. Nothing is sent anywhere unless you open the assistant and ask a question. If you never open it, this section does not apply to you at all, and the rest of the report works exactly the same.
What is sent when you do ask
What is not sent
What travels is a set of amounts and categories. On its own it does not identify anybody, and we do not send anything alongside it that would.
Who processes it
The request is answered by Google's Gemini API, which processes it outside Australia — see sections 10 and 11. We do not train any model on your figures and we have no arrangement permitting anyone to do so; what Google does with data sent to its API is governed by its own terms, which we do not control.
How long it is kept
Because the assistant is optional, you can have the entire paid report without any of the above ever happening. Nothing in the report is withheld from somebody who never opens it.
We use the following, and nothing else:
You can clear or block these through your browser at any time. Clearing them will sign you out and reset your preferences; the site will otherwise work normally.
We use Google Analytics and Google Ads to measure how people find and use the site and whether our advertising is worth running. Where these are enabled, Google receives your IP address, device and browser information, the pages you viewed, and — when you complete a purchase — the order reference and the amount paid. Google may set its own cookies and may combine this with data it holds from other sources. Google's handling of that data is governed by its own privacy policy, not ours.
We do not sell your personal information, and we do not disclose it to data brokers, advertising networks other than as described above, super funds, accountants, financial advisers or the ATO, or anyone who might try to sell you something.
You can opt out of Google Analytics using Google's browser add-on, and you can adjust personalised advertising in your Google account settings.
Payments are processed by PayPal. Your card or account details are entered on PayPal's systems and are never transmitted to, seen by, or stored on our servers. We receive only the transaction reference, the amount, the status and the email address associated with the payment.
Some of these providers store or process data outside Australia, principally in the United States (Google, PayPal) and, depending on our email provider, in other countries. By using the site you acknowledge that we take reasonable steps to ensure overseas recipients handle your information consistently with the APPs, but that we cannot control and are not accountable for how an overseas recipient handles it once disclosed, and that you may not be able to seek redress in that jurisdiction.
The site runs entirely over HTTPS. Passwords are stored as salted PBKDF2 hashes, not as text anyone here can read. Access to the database is restricted to those who need it. No system is perfectly secure, and we cannot guarantee the security of information transmitted over the internet, but we take reasonable steps to protect it from misuse, interference, loss and unauthorised access, modification or disclosure.
If a data breach occurs that is likely to result in serious harm, we will notify you and the Office of the Australian Information Commissioner as required by the Notifiable Data Breaches scheme.
If you give us your email address for a free estimate we may follow up about the full report. Every commercial email we send identifies us and carries a functional unsubscribe link, as required by the Spam Act 2003 (Cth). We action unsubscribes immediately. You will still receive transactional email — receipts, access details and password resets — because those are not marketing.
Write to support@calculatedchoices.com.au. We will:
We will respond within 30 days and will not charge you for making a request. We may need to verify your identity first.
If you think we have breached the APPs, write to support@calculatedchoices.com.au with "Privacy complaint" in the subject line. We will acknowledge within 5 business days and respond substantively within 30 days.
If you are not satisfied with our response, you may complain to the Office of the Australian Information Commissioner: oaic.gov.au, 1300 363 992, or GPO Box 5288, Sydney NSW 2001.
The site is intended for adults deciding how much to put into super in a year their income is unusually high. It is not directed at children and we do not knowingly collect personal information from anyone under 18.
We may update this policy. The effective date at the top changes when we do. Where a change is material we will tell you by email or by notice on the site before it takes effect. Continuing to use the site after that means you accept the updated policy.
Privacy Officer
XTO Pty. Ltd. (ACN [ACN NOT SET])
Level 1, 457 Elizabeth Street, Surry Hills NSW 2010
support@calculatedchoices.com.au
Plain English, because the whole point is that you understand it. Section 6 is the one that matters most — please read it before you rely on anything here.
By using calculatedchoices.com.au (the site) or buying a pass you agree to these terms. If you do not agree, do not use the site. In these terms we, us and our mean XTO Pty. Ltd.; you means the person using the site or, where you use it on behalf of another person or an entity, both you and that person or entity.
You must be at least 18 and legally able to enter a contract. The site is intended for use in Australia and applies Australian law and the published superannuation contribution caps and income tax rates only. If you use it from outside Australia you do so on your own initiative and are responsible for local compliance.
Catch-Up Super is an information and calculation service. It applies the published superannuation contribution caps and income tax rates to figures you supply and reports what those rules produce, showing its workings and naming the fee schedule used.
It is not financial product advice, personal advice, legal advice, tax advice, accounting advice or superannuation or taxation advice, and it is not a recommendation to acquire, dispose of or deal in any financial product.
You should obtain independent, licensed advice before acting. Any decision you make is yours.
We take considerable care to keep the rates current and the formulas right, and every report prints the schedule it was built on. Even so:
Always confirm before you act.
You acknowledge and agree that you are solely responsible for evaluating the output, for verifying it against official sources, for obtaining independent professional advice, and for every decision you make or do not make. We are not your adviser and no fiduciary or advisory relationship arises from your use of the site.
You are responsible for keeping your password confidential and for everything done under your account. Tell us immediately at support@calculatedchoices.com.au if you suspect unauthorised use. We may suspend or close an account we reasonably believe is being used in breach of these terms.
A report you export as a PDF or otherwise save remains yours to keep and to show to family, an adviser or a super fund. That licence is personal and non‑commercial. It does not permit republication, resale, or use as part of a product or service you provide to others.
Our promise: if the calculator cannot properly model your circumstances, or something has gone wrong, write to us within 14 days of purchase and we will refund the pass. No form and no argument. We would rather refund you than have you rely on a number that does not fit.
This is a voluntary commercial guarantee offered in addition to, and it does not limit, your rights under the Australian Consumer Law. Refunds are made to the original payment method within five business days of us accepting the request.
You must not:
All content, code, calculation methodology, report design, text and branding on the site is owned by us or licensed to us and is protected by copyright and other laws. Legislated rates and government data are not owned by anyone; our expression, arrangement and implementation of them is. Nothing in these terms transfers ownership to you.
We aim to keep the site available but do not guarantee it will be uninterrupted, timely, secure or error free. We may modify, suspend or discontinue any part of it, and may perform maintenance, at any time. If we permanently discontinue the service while your pass is running, we will refund the unused portion.
The site relies on third party services including PayPal, Google and our hosting and email providers, and links to third party sites and government resources. We are not responsible for those services or sites, their availability, their content or their terms.
Our goods and services come with guarantees that cannot be excluded under the Australian Consumer Law. For major failures with the service, you are entitled to cancel your service contract with us and to a refund for the unused portion, or to compensation for its reduced value. You are also entitled to be compensated for any other reasonably foreseeable loss or damage. If the failure does not amount to a major failure, you are entitled to have problems with the service rectified in a reasonable time and, if this is not done, to cancel your contract and obtain a refund for the unused portion of the contract.
Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy conferred by the Australian Consumer Law or any other law which cannot lawfully be excluded, restricted or modified. If any part of these terms would do so, that part does not apply.
Subject always to section 15, and to the maximum extent permitted by law:
You agree that this allocation of risk is reasonable given the price of the service and that the service is information rather than advice.
Our liability is reduced to the extent your loss is caused or contributed to by you, including by entering incorrect figures, by failing to verify output against official sources, or by failing to obtain independent advice.
To the maximum extent permitted by law, you indemnify us against any claim, loss, liability, cost or expense (including reasonable legal costs) arising from your breach of these terms, your misuse of the site, or your provision of the site's output to a third party who relies on it. This does not apply to the extent the claim arises from our own breach, negligence or wilful misconduct.
You may stop using the site at any time. We may suspend or terminate your access immediately if you breach these terms. Sections 4, 5, 6, 9, 12, 15, 16, 17, 19 and 20 survive termination.
Our Privacy Policy forms part of these terms and explains how we handle personal information.
These terms are governed by the laws of New South Wales, Australia. You and we submit to the non‑exclusive jurisdiction of the courts of New South Wales and the courts entitled to hear appeals from them.
XTO Pty. Ltd. (ACN [ACN NOT SET])
Level 1, 457 Elizabeth Street, Surry Hills NSW 2010
support@calculatedchoices.com.au