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.
You have been handed a number and a date, and about a fortnight to work out what either of them means. Your employer will tell you what it is withholding. Nobody will tell you what the payment actually costs you, or what could still be changed about it.
A licensed adviser sorts it out for $3,300 to $6,600, over weeks you do not have. We do it in three minutes — your entitlement, the tax on every part of it, and every lawful way of handling the payment put in order.
A rough guide only. The full calculator asks how the payout is made up, because the parts are taxed four different ways.
If this is you
Four different payments, four different tax treatments, two caps that interact, and a Centrelink rule almost nobody mentions — all of it landing in the fortnight you are least able to think about it.
You were told on Monday. There is a letter, a number, and a date to sign by. The decisions that are still open — the termination date, whether the notice is worked, when a discretionary amount is paid — close within days, and nobody has said they were decisions.
Employment termination payment. Genuine redundancy tax-free amount. Whole-of-income cap. Lump sum A. Division 293. Every one of them is a real charge with a real figure behind it, written in language nobody outside a payroll department uses.
Payroll says what it is withholding. A colleague who went through it in 2019 quotes figures from a different set of caps. A forum says put it all in super. Someone else says do not, because you will not be able to reach it. All four can be right, for different people.
You will, eventually. What almost nobody is told before the money lands is that a redundancy payment is treated as income for the number of weeks of pay it represents — and that the tax-free part is tax free and not Centrelink free.
You type in what you have. We apply the published Fair Work scales and the ATO's own rules, work out every lawful way you are allowed to handle the payment, and put them in order. No appointment, no sales call, no adviser, and nothing to sign.
Three questions, thirty seconds, and you will know roughly where you stand. It costs nothing.
The loss
One question decides it, and it is not how much you are paid. It is whether the termination is a genuine redundancy — which changes the tax-free amount, which cap applies, and the rate on your unused leave, all at once.
Steve and Rachel are invented, and the figures beside them are not. Both are a $115,000 salary, fourteen completed years, 12 weeks of redundancy pay, 5 weeks of notice paid out, 5 weeks of annual leave, 8 weeks of long service leave and a $60,000 ex gratia amount, run through this calculator's own engine on the 2026-27 rules. The scales, the caps and the rates are all published, and every one of them is named in the guides.
The alternatives
| Guess What most people do |
An adviser A one-off statement of advice |
Redundancy Payout This calculator |
|
|---|---|---|---|
| What it costs | Nothing now, and you find out in October |
$3,300 – $6,600 | $249 |
| How long it takes | An afternoon of forum posts | Two to six weeks for an appointment and a document | Under 3 minutes |
| Every option priced | |||
| Working shown | Usually a conclusion, not the arithmetic | ||
| A personal recommendation |
The clock
None of them is ours and none of them can be moved. Missing one does not cost you a discount — it settles the answer at a figure you did not pick and cannot change back.
An unfair dismissal or general protections application has to be lodged with the Fair Work Commission within 21 days of the dismissal taking effect. It is one of the shortest limits in Australian law, and it runs whether or not anybody has explained what a redundancy is supposed to look like. What makes a redundancy genuine.
A termination payment is taxed against the year it is received. On 1 July the brackets start again, the $270,000 cap starts again, and the whole-of-income cap resets to — before your new year's income reduces it. Which side of that date the payment falls on is very often the largest single number in the report.
The tax-free base of —, the — a completed year, and the termination payment cap are all indexed to wages growth on 1 July. A calculation run against last year's schedule is not slightly out — it is out in every line that touches a cap. These figures are the — ones.
The report
The free estimate tells you roughly where you stand. This is the part that gives you the actual numbers and puts every option in order. Twelve sections and eleven 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 redundancy 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 payslip, you can use this. Simple mode asks eight short steps and makes sensible assumptions about the rest. Advanced is there if you want to go deeper.
Your salary, your years of service, your age, the weeks of leave you have not taken and what is being paid. We never ask for your tax file number, your Centrelink reference number, your bank details or your employer's name, and there is nowhere on this site to enter any of them.
Your whole package worked out from the published scales, your tax-free amount to the dollar, whether the redundancy is genuine, which cap applies, and how much is riding on how the payment is handled.
$249 opens the full report: every option worked out and put in order, the tax itemised, the withholding reconciled and the Centrelink wait counted in weeks. PDF included, ready to print or send to your accountant.
Sections 117, 119 and 121 of the Fair Work Act 2009 for what you are owed. Divisions 82 and 83 of the Income Tax Assessment Act 1997 for how it is taxed. Every figure is dated and every source is named.
Nothing is a black box. Every figure in the report carries the arithmetic that produced it, and the rate it was charged at.
We are not licensed to tell you what to do, and we do not. Options are ranked on one stated measure and the report says out loud what that measure cannot see.
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 options, 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.
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
Under the National Employment Standards the scale runs from 4 weeks of pay after one year up to 16 weeks at nine years, and then falls to 12 weeks at ten years and stays there. That drop is in the Act rather than a mistake. An award, an enterprise agreement or your contract can pay more, and many do — three or four weeks for every year of service is common. A small business employer with fewer than 15 people does not have to pay redundancy pay under the standards at all, though notice and accrued leave are still owed.
If it is a genuine redundancy, $13,598 plus $6,801 for every completed year of service, in 2026-27. That part is not income at all — it never appears in your taxable income, it attracts no Medicare levy, and it counts towards no income test. Anything above it is an employment termination payment. Unused annual leave and long service leave are never part of the tax-free amount and are taxed separately.
The taxable part of a termination payment is taxed at 32% under 60, or 17% at 60 and over — but only up to a cap, which is $270,000 in 2026-27. A second cap of $180,000, reduced by the rest of your income for the year, applies to golden handshakes and to payments in lieu of notice where the termination is not a genuine redundancy, and where both apply the smaller one wins. Above the cap the rate is 47%, and that jump is where most of the tax on a large payout ends up.
It can delay it, sometimes for months. Services Australia treats a termination payment as income for the number of weeks of pay it represents — the income maintenance period — and separately imposes a liquid assets waiting period on savings above $5,500 single or $11,000 partnered. The two run at the same time, so the wait is the longer of them rather than the sum. The tax-free part of a genuine redundancy is tax free and it is not Centrelink free: it is money in the bank, so it counts for both.
That is not a yes or a no, it is an amount — and this report works out the amount rather than guessing at it. A termination payment cannot be salary sacrificed and cannot go straight to a fund: it is paid to you in cash and then contributed personally, with a notice of intent lodged with your fund. Up to $32,500 can go in this year, or as much as $175,000 where five years of cap have gone unused and your balance at the last 30 June was under $500,000. The fund takes 15% on the way in, and the money cannot be reached before 60.
It is usually right for what payroll could see, and that is a different thing from right. Your employer withholds under the ATO's tax tables using the figures it has on the day you leave. It cannot see income you earn afterwards, it usually cannot see a second employer, and the whole-of-income cap it applies is worked out on its own records. The final figure is settled when your return is assessed, months later. The report shows both numbers and the gap between them, so you know in advance whether to expect a refund or set money aside.
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 options on one stated arithmetic measure — what is left of the payment — and it does not recommend one. A one-off statement of advice from a licensed adviser typically costs from $3,300 and includes a personal recommendation this service is not licensed to make and does not attempt.
The termination date is agreed, the paperwork is signed, the payment is processed and the tax is withheld. After that, the only thing left to decide is what to do with a smaller number than you expected — and by the time the assessment arrives in October, everything that could have been asked about has been closed for months. Three minutes now is the cheapest three minutes of the whole process.
No card. No sign up. Your answer on the next screen.
You do not have to understand any of this. You have to know what it comes to.
Most calculators stop at your tax-free amount. This one prices what the rest of the year does to it — the caps, the levy and the Centrelink wait — then shows every lawful way of handling the payment side by side, so you can see which one leaves you the most.
Figures as at —.
Your estimate
The gap between the way of handling this payment that leaves you the most and simply letting it happen — on the figures you entered, not on an average.
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 result with every figure you entered still in it, so you can change one number and see what it does — and the one thing about Centrelink that catches nearly everybody.
One email, then only if the figures change or a deadline is close. Unsubscribe in one click. We never sell your address.
Before the payment lands
Your whole package, the tax on every part of it, and every lawful way of handling the payment ranked on what it leaves you. It reconciles what payroll will withhold against what the tax actually is, and it counts the Centrelink wait in weeks. One payment, no expiry, and every working shown so you can check it.
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.
Run it on what you have. The scales work the package out from your salary and your years of service, so an estimate of the leave balance and the ex gratia amount is enough to see where you stand. Access does not expire and there is no limit on how many times you re-run it, so the version you save today can be reopened and corrected the moment the real payslip arrives.
Redundancy Payout 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 actual entitlement is set by the National Employment Standards and by whichever award, enterprise agreement or contract covers you. What is withheld is worked out by your employer under the ATO's tax tables, and the final tax is settled by the ATO when your return is assessed. Any Centrelink entitlement is decided by Services Australia and not by us.
The full report opens the moment the payment clears, on the figures you have already entered. Nothing to install, nothing to wait for.
You can provide a different email to use as your login - or the PayPal one
Worked examples
Nine people made redundant on nine different sets of figures — a café worker with three years, an executive well past the cap, a teacher with thirty years of long service leave, somebody one month short of a whole year. The people are invented. Every figure beside them is worked out at page load by the same engine the paid report uses, on the current rules, so nothing on this page can quietly go stale.
It is up to five payments with five different tax treatments. Part of it can be entirely tax free. Part of it is held at a flat rate. Part of it can be taxed at 47%. Unused leave is taxed on its own rules and never gets any of the tax-free amount. A single "what rate is redundancy taxed at" answer is always wrong.
The salary already earned sets the marginal rate, reduces the second cap dollar for dollar, and decides whether the Medicare levy surcharge and Division 293 apply. Two people with identical packages and different start dates finish thousands of dollars apart, and neither of them chose it.
Everything below is those two facts in real dollars, for nine different people. Worked out on the current schedule.
Yours turns on your salary, your completed years of service, how the package is made up, what else you earn this income year, whether you hold hospital cover and how much unused super cap you are sitting on. Change any one of them and the order these options come in changes.
Every lawful thing that can be done with Dan's same package — six of them on his figures — and what each one leaves. Same job, same payment, same entitlement; the difference is only in where the money is directed and when it is paid. Ranked on one measure and one only: what is left of the payment. The column beside it says how much of that he could actually spend. Open Show Details on any row for what it means and what the process involves.
Three numbers. Everything else in this report explains where they came from.
$13,598 plus $6,801 for each of Dan's nine completed years. It never enters his taxable income, attracts no Medicare levy, and is invisible to every income test in the tax system. The $27,193 above it is an employment termination payment, taxed at a flat 32% because he is under 60, and the $23,750 of unused leave is held at 32% on its own separate rules.
This is why a single tax rate for a redundancy payout is always the wrong answer. Dan is being paid five things and no two of them are taxed the same way.
The tax-free part, the part that is taxed and survives, and the part that does not. $108,245 reaches Dan's bank account.
Nothing about a redundancy payout has one tax rate. These are the rates each slice of Dan's package actually attracts, side by side.
Dan holds no private hospital cover, and the payout carries his income for the year to $120,276 once the taxable half of the payment is counted — past the $105,000 single threshold. The surcharge is then charged on all of it rather than on the amount above the line: $1,203, on a single dollar of crossing. His employer had no way to know it was coming, so it is not in what was withheld.
16 weeks at nine completed years, which is the highest the National Employment Standards scale ever goes — and it drops to 12 weeks at ten years and stays there for the rest of a working life.
The drop at ten years is in the Act, not in this calculator. The scale was written on the assumption that somebody with ten years has a long service leave entitlement instead. Dan is one year short of it, which is worth four weeks of pay — $8,000 — on top of another $6,801 of tax-free amount.
Everything above is real arithmetic on a fictional person. 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
Written for the person being paid rather than the person doing the withholding. Every rule is named and dated, every figure is the 2026-27 one, and the arithmetic is shown rather than asserted — so you can check any of it against the Act or the ATO's own page in one click.
Reading is useful. Knowing what this is about to cost you is better.
Super and Centrelink
A termination payment cannot be salary sacrificed and cannot be sent to a fund by the employer. Since 2007 it has to be paid to you in cash. What can be done is to make a personal contribution out of that cash and claim a deduction for it — which is a different mechanism with its own cap, its own paperwork and its own deadline.
Before 2007 an employer could roll a termination payment straight into a fund. That was abolished. Today an employment termination payment must be paid to the employee, and salary sacrifice does not apply to it either — sacrifice is an arrangement about future salary and a redundancy payment is not future salary.
So the sequence is: the payment arrives in your account with tax withheld, you contribute some of it to your own fund as a personal contribution, you lodge a notice of intent to claim a deduction, the fund acknowledges it, and you claim the deduction in your return for the same income year. The fund deducts 15% contributions tax when the notice is processed.
The right amount is almost never "all of it" and almost never "the cap". It has a peak, and the peak exists because your marginal rate falls as your taxable income falls, while the 15% the fund takes does not fall at all.
| Your marginal rate on the money | Less 15% in the fund | Worth doing? |
|---|---|---|
| 47% (above $190,000, with the levy) | 32% net saving | Strongly |
| 39% (above $135,000) | 24% net saving | Yes |
| 34% (above $45,000) | 19% net saving | Yes, if the money is not needed |
| 17% (above $18,200) | 2% net saving | Almost never |
| 0% (the tax-free part of the payout) | A 15% loss | No |
The last row is the one to be careful of. Contributing the tax-free part of a redundancy payment converts money that was never going to be taxed into money that is taxed at 15% on the way in. It is a straightforward loss.
Unused concessional cap from the last five financial years can be added to this year's, provided your total superannuation balance at the previous 30 June was under $500,000. For somebody who has only ever received their employer's compulsory contributions, that is often well over $100,000 of unused cap sitting there unused.
Most people never have both the cap and the cash in the same year. A redundancy year is very often the only time they do — which is why this is the single largest lever in most redundancy reports, and also why it deserves the caution in the next section.
The ATO publishes the exact figure. In myGov: Australian Taxation Office, then Super, then Information, then Carry forward concessional contributions.
Superannuation cannot be reached before 60 and a condition of release. Somebody who has just lost their job is exactly the person who may need money they can get at, and the tax saving on a contribution is worth nothing at all if it has to be replaced with a loan six months later.
That is why every option in this calculator's report carries two columns: what it leaves in total, and what it leaves in the bank. The ranking is arithmetic. The second column is the part the arithmetic cannot see.
The calculator prices every contribution from nothing up to your available cap, names the peak, and shows what each one leaves you able to actually spend.
Your saved reports and your access are waiting.
Free. It saves your scenarios so you never re-type a figure.
We will email you a link that works once and expires in an hour.
Pick something you will remember.
Unlock the full report to see every option priced and ranked.
About
You were told on a Tuesday. There is a letter with a number on it, a finish date, and somebody in HR who has been asked not to say very much. Six figures may be attached to it, the decisions that are still open close within days, and nobody has told you which of them are decisions at all.
None of the rules are secret. What you are owed is in sections 117, 119 and 121 of the Fair Work Act 2009 and in whichever award or enterprise agreement covers you. How it is taxed is in Divisions 82 and 83 of the Income Tax Assessment Act 1997, and the figures are published by the ATO and reindexed every 1 July. All of it is free to read. It is also spread across some fourteen pages written for the person doing the withholding rather than the person being paid, and every one of them assumes you already know which parts apply to you.
Redundancy Payout does one thing: it applies those published rules to your figures and shows you, in full, what they produce. Your whole package worked out from the scales. Your tax-free amount to the dollar. The tax on every component with the rate beside it. Every lawful way of handling the payment, priced and put in order on one stated measure. What payroll is likely to withhold against what the tax actually is, and how many weeks before Centrelink can start. Every working is visible, so you can check it, argue with it, or take it to somebody who can.
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. Here is what licensed advice 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, Centrelink Customer Reference Number or superannuation member number, 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, employers, payroll providers, recruiters or insurers, 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 employees who have been made redundant, or are about to be. 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 Fair Work redundancy standards and the Australian tax rules for termination payments only. If you use it from outside Australia you do so on your own initiative and are responsible for local compliance.
Redundancy Payout is an information and calculation service. It applies the published Fair Work redundancy standards and the Australian tax rules for termination payments 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 tax or financial advice about a termination payment, 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 employer. 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