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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 clock started at the funeral, or at probate. Nobody had to tell you which.
Somebody has been left out of a will, or left far less than they expected, and now there is a solicitor's letter and a family that has stopped speaking. Nobody in this has told you the two things that decide it: how long you have, and how much of the estate the fight itself will eat.
A simple claim that settles early costs $20,000 to $40,000 a side, and one taken to a hearing upwards of $100,000 a side — out of the same estate everybody is arguing over. We price all nine endings in three minutes, so you can see which of them costs what before anybody spends a dollar.
A rough guide only, on stated assumptions about the person claiming. The full calculator asks about their circumstances and prices every ending.
If this is you
There is no Australian law about contesting a will. There are eight, one per state and territory, and they disagree about who may claim, how long they have, and what a court can reach. Nobody publishes them side by side, because nobody has any reason to.
Because it depends on the state and on what the period runs from, and half the country's clocks start on a date nobody announces. The executor's solicitor acts for the estate, not for you, and has no duty at all to tell you when yours started.
It is a power one state has and seven do not. In New South Wales a court can point at the house that passed to the survivor automatically, or superannuation paid straight to a nominated person, and treat it as though it had been in the estate all along.
A cousin who won one in Victoria, a mate who lost one in Queensland, and an article about New South Wales. All three can be right and none of them is about your state, or your relationship, or the size of the estate you are actually arguing over.
The honest answer is that a lot of it might, and that almost nobody works out how much before they start. The costs of both sides usually come out of the same money everybody is fighting over, and they come out before anybody inherits anything.
You type in the estate, the person and their circumstances. We apply your state's own Act, work out all nine ways this can end, and put them in order on one measure: what reaches the people the will actually names. No appointment, no conflict check, no retainer, and we do not act for anybody in it.
Three questions, thirty seconds, and you will know roughly where you stand. It costs nothing.
The loss
A $1,850,000 New South Wales estate with $120,000 of debts, two children named in the will and a third who was left out. The same claim, by the same person, on the same facts — and the only difference is how far it was allowed to run.
Both families are invented. What is not invented is the arithmetic: every figure above is what this calculator produces on those inputs, under the Succession Act 2006 (NSW), and you can put the same numbers in yourself and get the same answer. The provision figures are an indicative range built from published anchors and stated assumptions, and the report says which is which on every line. Nothing here predicts what a court would order.
The alternatives
| Guess what most families do |
A solicitor wills and estates |
Family Provision This calculator |
|
|---|---|---|---|
| What it costs | Nothing now, the estate later |
$20,000 – $40,000 a side to run a simple claim |
$249 |
| How long it takes | Weeks of arguing | Two to six weeks | Under 3 minutes |
| Every ending priced | |||
| Working shown | Usually not | ||
| Can act for you |
The clock
Every one of them is in an Act of parliament, and missing one makes the choice for you at a price you did not pick and cannot change back. This is the only kind of urgency this site is allowed to use, and on this subject there is more than enough of it.
From the date of death, not from probate — Succession Act 2006, s 58(2). It is the longest effective period in the country and it is also the one people miscount, because they assume it starts when probate is granted. The deadline in every state.
From the grant of probate — Testator's Family Maintenance Act 1912, s 11(1). The shortest window in Australia, and short enough that late applications are ordinary rather than exceptional. Tasmania, the NT and the ACT.
A transaction entered into within that window before the death can be designated as notional estate where the purpose was to defeat a claim, and within one year regardless of purpose where a moral obligation was owed. Succession Act 2006, s 80(2). What notional estate reaches.
The report
The free estimate tells you roughly where you stand. This is the part that gives you the actual numbers and puts every ending in order. Sixteen sections and fourteen 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 estate 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 know roughly what the house is worth, you can use this. Simple mode asks about fifteen questions and makes stated assumptions about the rest. Advanced is there if you want to change them.
Roughly what it is worth, the debts, anything that passed outside the will, and who might claim. We never ask for a name — not yours, not the person who died, not any party, and not a single document. Nothing here would identify anybody to anybody.
Whether this person is on your state's list, the deadline and what it runs from, the pool a claim can reach, and all nine endings named and explained. The two figures held back are the exposure and the provision, and both are shown to you as bands.
$249 opens the full report: every ending worked out and put in order, so the expensive one is obvious before anybody commits to it. PDF included, ready to take to a solicitor.
Succession Act 2006 (NSW), Administration and Probate Act 1958 (Vic), Succession Act 1981 (Qld) and the other five, quoted with the section number wherever they are used.
What the Act says, what somebody else published, and what the model assumes. Every figure on the report is labelled as one of the three, on the page rather than in a footnote.
We are not a law firm, we do not act for anybody, and we take no referral fee from anybody who does. Nothing here predicts what a court would decide, because nobody can.
If the report does not apply to your circumstances, tell us what went wrong within 14 days and we refund you in full.
Included with the report
Every report comes with an assistant that has read your report — your estate, your state's Act, your nine endings — 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.
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 the matter runs.
Prices in Australian dollars. Paid securely through PayPal — card or PayPal balance, no account needed. See a sample report before you decide.
Questions
Only an eligible person, and the list is set by each state's own Act. A spouse or de facto partner and a child of the person who died are eligible everywhere. Beyond that it varies: New South Wales also allows former spouses, grandchildren and household members who were dependent; Victoria also allows stepchildren and registered caring partners; Queensland is the narrowest of all at spouse, child or dependant. Being eligible is only the door — the court then asks whether the will left that person without adequate provision for their proper maintenance, education and advancement in life.
New South Wales allows 12 months from the date of death. Queensland wants written notice within 6 months of the death and the application filed within 9 months of the date of death. Victoria, South Australia, Western Australia and the ACT allow 6 months from the grant, the Northern Territory allows 12 months from the grant, and Tasmania is the shortest at 3 months from the grant. What catches people is not the length but what the period runs from: probate is often granted months after a death, so six months from probate and six months from the death are very different amounts of time.
Australian practitioners publish $20,000 to $40,000 a side for a simple claim that settles early, and upwards of $100,000 a side for an average estate taken to a hearing — and an estate usually carries both sides. No Australian court publishes a scale, so the report prices costs as an indicative band and says on the page that it is one: roughly 1% to 8% of the estate where it settles and 8% to 20% of the estate where it runs to a contested hearing. The one thing a court has published is a power rather than a figure: where the net distributable estate is under $1,000,000, the Supreme Court of New South Wales may cap what a party recovers (Practice Note SC Eq 7, paragraph 40).
In New South Wales it can. The notional estate provisions in the Succession Act 2006 let a court designate property that never formed part of the estate — a house that passed to the survivor, superannuation paid straight to a nominated person, a gift made in the three years before death — and treat it as though it had been in the estate all along. No other state or territory has anything like it, so everywhere else what passes outside the will is outside the claim.
The one national study of this is White, Tilse, Wilson, Rosenman, Purser and Coe, Estate Contestation in Australia: An Empirical Study of a Year of Case Law (2015) 38(3) UNSW Law Journal 880. It reviewed every publicly available Australian succession judgment over twelve months and found that about 74% of the family provision claims in it resulted in some change to the distribution, rising to about 88% for estates between $1m and $3m. 63% of the claims were brought by children of the deceased and 23% by partners or former partners. Those are findings about judgments — the minority of matters that did not settle — and they are not a prediction about any particular claim. Nothing on this site will give you a percentage chance of success, because nobody can.
No. This is an information service: it applies the published succession legislation to the figures you enter and shows what they produce, with every working visible. It ranks the ways a claim can end on one stated arithmetic measure — what reaches the will's beneficiaries — and it does not recommend one, does not predict what a court would do, and does not tell you whether to bring or defend a claim. For a live dispute you will want a solicitor, and the report ends with the questions to put to one.
On the worked example above, $428,302 of the difference was the gap between settling before anything was filed and fighting it to judgment — both open, on the same facts, with nobody conceding a thing about the merits. That part is a choice.
The deadline is not. A figure can be renegotiated, a mediation can be adjourned, a valuation can be redone. A limitation period that has run out can only be fixed by asking a court's permission, and that is never automatic — and once an estate has been paid out to the beneficiaries, a claim runs against them personally rather than against a fund. Three minutes now is the cheapest three minutes in the whole of this.
No card. No sign up. No names. Your answer on the next screen.
Whichever side of this you are on, the arithmetic is the same and neither of you has seen it.
Most pages tell you a will can be contested. This one prices what a claim would actually take out of the estate — the provision, the legal costs and the assets your state can reach — and lays out all nine ways it can end, side by side.
Figures as at —. The legislation is quoted with its section number wherever it is used.
Your estimate
What that figure is, on the estate you entered.
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.
A link straight back to this estimate, the deadline in your state and what it runs from, and the section of the Act it comes from. One email, and you can keep the deadline even if you never come back.
One email, then only if the figures change or a deadline is close. Unsubscribe in one click. We never sell your address.
Before the deadline, whichever side you are on
A claim against a will moves money twice: once in provision and once in legal costs, and both come out of the same estate. The report prices all nine ways the claim can end on your own figures, puts them in order on one stated measure, and shows the deadline, the eligibility and every line of the working behind them.
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.
Yes, and they often do. It is one price and one report, and the arithmetic is identical whichever side pays for it — which is the point. We do not act for anybody, we never see who anybody is, and there is nothing here that one side gets and the other does not. Several families have bought two and compared them; they were the same report.
Family Provision 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 position is decided by the Supreme Court of the state or territory where the estate is administered, in the exercise of a broad discretion, and by whatever you and the other side agree to before it gets there. Nothing on this site predicts either, and no tool that gave you a percentage chance of winning would be telling you the truth.
The full report opens the moment the payment clears, on the figures you already entered.
You can provide a different email to use as your login - or the PayPal one
Worked examples
Eleven invented families, in eight different jurisdictions, covering the shapes of dispute that actually turn up: the child left out, the second spouse, the stepchild across a state line, the son estranged for twenty years, the daughter who gave up work to care, the grandchild raised by grandparents, the estate too small to fight over, the estate where most of the money never went near the will, the farm, the claimant who is comfortable already, and the relative who is not on the list at all. Every figure on this page is computed at load time by the same engine a paying customer's report uses. Nothing here is typed into the markup, so nothing here can quietly go stale — when a figure in the model moves, this page moves with it.
One Act per state and territory, and they disagree about who may claim, how long they have, and what a court can reach. The same family with the same facts gets a different answer either side of a border. Every card below says which Act it was run under.
Costs in these cases usually come out of the estate, on both sides, in a proportion the court decides. They come out before anybody inherits anything, and they do not follow the event the way they do in other litigation — so an estate that wins can still pay for the loser.
Everything below is those facts in real dollars, for eleven different families. Figures as at current, with each family's own Act named on its card.
Your own figure turns on five things none of these families shares with you: which state the estate is in, how the person was related, what the will already gives them, what they actually need, and how many other people have a call on the same money. It takes about three minutes and it costs nothing.
Every way a family provision claim against this $1,730,000 pool can end, and what each one leaves the two children the will names. Same estate, same claim — the difference is only in how far it is taken and what that costs to get there. Open Show Details on any of them — those panels are live on this page and they are the same ones a customer reads.
Three numbers. Everything else in this report explains where they came from.
How to read the ranking. Every one of the nine endings is measured the same way: the pool a claim can reach, less the provision that leaves it, less the legal costs that leave it. The top of the list is the ending that leaves the most for the people the will names. It is not called the best one, because which ending is available depends on things no calculator can see — whether the other side will settle, what the evidence looks like, and whether anybody has run out of time.
The same figures as the list above. The longer the bar, the more of the estate reaches the people the will actually names.
The ranking says which ending leaves the most. This says what the difference is made of. On the ending that leaves the least, $275,000 of the $630,370 is legal costs rather than provision — 15.9% of the whole pool, spent on deciding who gets the rest of it.
Adult child is an eligible person in New South Wales. Under Succession Act 2006 (NSW), Chapter 3.
The category is on the list in this person's own right. No extra threshold applies before the Court reaches the merits.
What the Act says about this category. A stepchild is not on the New South Wales list as a stepchild. A stepchild who was wholly or partly dependent on the deceased and was a member of the same household at some point is eligible under the household category, and has to show factors warranting the application as well.
Eligibility is the door, not the answer. Getting onto the list means the Court will hear the claim. It then asks a separate question — whether the will left this person without adequate provision for their proper maintenance, education and advancement in life — and the second question is the one that decides it.
12 months from the date of death — Succession Act 2006 (NSW), Chapter 3, s 58(2). On a death on 12 May 2026 the period ends on 12 May 2027.
What it runs from decides more than how long it is. Six months from probate and six months from the death are very different amounts of time, because a grant is often made months after a funeral. Two jurisdictions run from the death and six run from the grant, and mixing them up is the most common way a claim arrives too late.
The factors are mixed. Every line that moved this number is on the chart, with how much it moved it.
This is an index, not a probability. It says how the answers given line up against the matters the Act names. It is not a chance of success, and no court has ever published weights for these factors because deciding them is a discretion.
Why have it at all. Because being told "it depends on many factors" teaches nobody anything, and seeing which answers push the number up and which pull it down tells you what the case actually turns on — which is the thing worth knowing before anybody spends money on it.
Everything above is real arithmetic on a fictional estate. Run yours and this half opens on your own figures, your own state's Act and your own deadline.
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 the name of anybody involved.
That is somebody else's estate. 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
Written for the person who has just read a will and does not know what to do about it, not for a practitioner. Every guide names the Act and the section it is describing, says which state it applies in, and says plainly where the law is settled and where it is not.
Reading is useful. Knowing what this is about to cost you is better.
Protecting an estate
A life interest gives somebody the use of an asset rather than the asset itself — the right to live in a house for the rest of their life, or the income from a fund — with whatever is left going where the will says when the interest ends. It answers a need for somewhere to live without handing over capital, which is why it turns up so often in blended families where a house is meant to end up with the children of a first marriage.
Two interests are carved out of the same asset. One person — the life tenant — has the right to use it for their lifetime, or until some other stated event. Somebody else — the remainder beneficiary — takes the asset itself when the life interest ends.
The classic form is a right to reside: a second spouse can live in the house for as long as they want to, and when they die or move out permanently the house goes to the children of the first marriage. A variant is a life interest in a fund, where the person receives the income and the capital passes on afterwards.
In modern drafting this is usually done through a testamentary trust rather than as a bare life estate in land, because a trust gives a trustee the flexibility to sell the house and buy a smaller one if circumstances change — which over twenty years they will.
Because it answers the thing the court is actually asking about.
The statutory question is whether adequate provision has been made for the person's proper maintenance, and in a great many cases the substance of that is housing. Somebody who has a secure right to live somewhere for the rest of their life has had the largest component of their need met, and a court weighing whether the will made adequate provision has a very different exercise in front of it than if they had been left nothing.
It also does something no cash legacy does: it keeps the asset heading where the will-maker wanted it to go. A $900,000 house given outright to a second spouse ends up wherever that spouse's own will sends it, which is frequently not to the first marriage's children.
These are the failure modes practitioners see, and every one of them is a drafting question rather than a legal one.
Nobody said who pays for what. Rates, insurance, water, repairs, and the difference between maintenance and capital improvement. A life interest that does not deal with outgoings produces an argument every year for as long as it runs.
The person wants to move. Downsizing, moving closer to family, moving into aged care. A bare life estate in a specific house makes all of those difficult; a trust with a power to sell and re-purchase makes them straightforward. This is the single strongest argument for using a trust.
Aged care. A right to reside can interact awkwardly with an aged care means assessment, and it is worth checking rather than assuming.
The remainder beneficiaries wait a very long time. A life tenant of fifty-eight may live another thirty-five years. Children who expected to inherit "eventually" can find themselves in their seventies before it happens, and the resentment that produces is real.
The trust costs money to run. Every year, for the whole period. On a modest estate the cumulative cost of administering a trust for three decades is not trivial.
A life interest is provision, and a court assessing whether it is adequate provision will look at what it actually delivers. A right to reside in a house the person cannot afford to maintain, with no income and no ability to move, may well be found inadequate.
Australian courts have varied wills that gave a surviving spouse a right to reside, replacing it with an outright interest or a larger fund, where the arrangement left the person without practical security. The structure helps; it does not immunise.
Against an outright gift, a life interest costs less capital and keeps the asset directed — but it is more complicated, costs money to run, and can be varied.
Against leaving somebody out entirely, it substantially reduces exposure, because it goes to the heart of the statutory question. See leaving a child out of your will.
Against a court-approved release, it is less certain. A release actually removes the right to apply; a life interest only makes an application less likely to succeed. See releases.
The report prices provision as a life interest alongside a lump sum, a release, a pre-action settlement and a contested hearing, on your own figures, and shows what each leaves the people the will names.
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About
Somebody has died, a will has been read, and a person who expected something has been left with nothing or with far less than they thought. Within weeks there is a solicitor's letter, a family that has stopped speaking, and a deadline that in one Australian state is three months long. Both sides are making a six figure decision about the same estate, neither of them has been told what it is worth, and the money that will pay for the argument is the money they are arguing over.
None of it is secret. It is in the Succession Act 2006 (NSW), Part IV of the Administration and Probate Act 1958 (Vic), the Succession Act 1981 (Qld), the Family Provision Act 1972 (WA), Part 6 of the Succession Act 2023 (SA), the Testator's Family Maintenance Act 1912 (Tas), the Family Provision Act 1970 (NT) and the Family Provision Act 1969 (ACT), and in the practice notes the Supreme Courts publish alongside them. The problem is that there are eight of them, they disagree with each other on who may claim and how long they have, they are written for practitioners, and nobody publishes them side by side because nobody has any reason to.
Family Provision does one thing: it applies those published rules to your figures and shows you, in full, what they produce. All nine ways a claim can end, priced on one stated measure — what reaches the people the will names — and every working visible, so you can check it, argue with it, or take it to somebody who can act on it. Every figure on the report is labelled as one of three things: what the Act says, what somebody else published, or what this model assumes. We think that last distinction matters more here than anywhere else on this domain, because provision is a discretion and anybody who tells you otherwise is selling you something.
We do not tell you what to do. We are not licensed to, and frankly the arithmetic is the part people are missing — not the opinion. We are not a law firm, we do not act for anybody in any estate, and we take no referral fee from anybody who does. Here is what a solicitor costs if you decide you want one as well — and for a live dispute, you will.
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, the names of the parties, the will itself, or any court document, 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, solicitors, barristers, executors or any other party to an estate, 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 people making a will, people administering an estate, and people deciding whether they have been left without adequate provision. 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 succession legislation of each Australian state and territory only. If you use it from outside Australia you do so on your own initiative and are responsible for local compliance.
Family Provision is an information and calculation service. It applies the published succession legislation of each Australian state and territory 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 legal 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 an executor or administrator. 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