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BenefitsMate

Free Australian Calculators & Tools

Free finance calculators for stamp duty, mortgage, tax, super, and more.

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Benefits Check — What Am I Entitled To?

Check every government payment you might be eligible for in one place. Enter your details once.

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JobSeeker Payment Calculator

Estimate your JobSeeker Payment based on income, assets, and circumstances.

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Disability Support Pension

Estimate your DSP entitlement based on income and asset tests.

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Carer Payment Calculator

Calculate your Carer Payment including income and asset tests.

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Family Tax Benefit Calculator

Estimate your Family Tax Benefit Part A and Part B payments.

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Child Care Subsidy Calculator

Calculate your Child Care Subsidy based on family income and activity hours.

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Age Pension Calculator

Calculate your Age Pension entitlement including income and asset tests.

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Paid Parental Leave Calculator

Calculate your total parental leave pay: 26 weeks government PPL + employer leave + annual leave.

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Child Support Calculator

Estimate child support payments based on both parents' incomes, care percentage, and number of children.

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NDIS Budget Estimator

Estimate your NDIS plan budget based on support needs. See typical funding for daily activities, therapy, transport, and AT.

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Aged Care Fees Calculator

Calculate residential aged care or home care package fees. See daily fees, means-tested fees, and RAD vs DAP costs.

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Centrelink Payment Dates 2026

See all your Centrelink payment dates for 2026. JobSeeker, Age Pension, Youth Allowance, DSP, FTB, and more.

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Disability Support Pension Calculator

Detailed DSP calculator including impairment tables and income/asset tests.

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Youth Allowance Calculator

Calculate Youth Allowance for students, job seekers, or apprentices.

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Rent Assistance Calculator

Estimate your Commonwealth Rent Assistance supplement.

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Austudy Calculator

Calculate Austudy payment for full-time students aged 25+.

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ABSTUDY Calculator

Calculate ABSTUDY Living Allowance for Aboriginal and Torres Strait Islander students and apprentices.

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Centrelink Payments Overview

Overview of all major Centrelink payments and how to check your eligibility.

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Centrelink Partner Income Test

See how your partner's income affects your Centrelink payments.

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Centrelink Savings Test

Check how your savings and liquid assets affect Centrelink payment eligibility.

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Income Test Calculator

Calculate how your income reduces Centrelink payments under current thresholds.

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Payment Rates 2025-26

Current Centrelink payment rates updated for March 2026 indexation.

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Assets Test Thresholds 2025-26

Complete reference for Centrelink assets test limits across Age Pension, JobSeeker, DSP, and more.

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Deeming Rates Calculator

Calculate deemed income from financial assets under Centrelink deeming rates for 2025-26.

Benefits
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Parenting Payment Calculator

Estimate Parenting Payment Single or Partnered based on your circumstances.

Family
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Income Tax Calculator

Calculate your Australian income tax for 2025-26 including Medicare levy and offsets.

Tax
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After-Tax Income Calculator

See your take-home pay after income tax, Medicare levy, and HECS repayments.

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Take Home Pay Calculator

Calculate your net pay after tax, super, and deductions from your gross salary.

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Pay Calculator

Work out your weekly, fortnightly, monthly, or annual pay after tax.

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Salary Calculator

Calculate your Australian salary breakdown including tax, super, and take-home pay.

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Salary Converter

Convert between hourly, daily, weekly, fortnightly, monthly, and annual salary.

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GST Calculator

Add or remove 10% GST from any amount. Calculate GST-inclusive and exclusive prices.

Tax
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HECS-HELP Repayment Calculator

Estimate your compulsory HECS-HELP repayment based on your taxable income.

Tax
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Medicare Levy Calculator

Calculate your Medicare levy and Medicare levy surcharge for 2025-26.

Tax
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Redundancy Tax Calculator

Calculate tax on your redundancy or ETP payment including tax-free and concessional amounts.

Tax
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Division 293 Tax Calculator

Check if you owe Division 293 tax on super contributions (income over $250K).

Tax
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Capital Gains Tax Calculator (Property)

Estimate CGT on investment property sales including the 50% discount method.

Tax
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Superannuation Calculator

Project your super balance at retirement based on salary, contributions, and returns.

Super
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Salary Sacrifice Calculator

Calculate tax savings from salary sacrificing into super or other benefits.

Super
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Payday Super Calculator

Calculate employer super obligations under the new Payday Super rules from 1 July 2026.

Super
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Super Co-Contribution Calculator

Estimate the government super co-contribution you may receive on personal contributions.

Super
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Retirement Calculator

Estimate how much you need to retire comfortably and when you can afford to stop working.

Super
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Stamp Duty Calculator

Calculate stamp duty (transfer duty) for property purchases in any Australian state.

Property
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Mortgage Calculator

Calculate mortgage repayments, total interest, and amortisation schedule.

Property
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Borrowing Power Calculator

Estimate how much you can borrow for a home loan based on your income and expenses.

Property
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First Home Buyer Grant Calculator

Check your eligibility for the First Home Owner Grant and stamp duty concessions by state.

Property
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LMI Calculator

Estimate Lenders Mortgage Insurance costs based on your loan-to-value ratio.

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Offset Account Calculator

See how much interest an offset account can save you over the life of your mortgage.

Property
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Buying vs Renting Calculator

Compare the long-term financial outcome of buying a home versus renting and investing.

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Negative Gearing Calculator

Calculate the tax benefit of negative gearing on an investment property.

Property
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Rental Yield Calculator

Calculate gross and net rental yield on an investment property.

Property
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Rent Affordability Calculator

Work out how much rent you can afford based on your income and expenses.

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Budget Planner

Create a personal budget to track income, expenses, and savings goals.

Savings
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Savings Goal Calculator

Calculate how long it will take to reach your savings goal with regular deposits.

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Compound Interest Calculator

See how compound interest grows your savings or investments over time.

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Emergency Fund Calculator

Calculate how much you need in an emergency fund based on your monthly expenses.

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Cost of Living Calculator

Compare the cost of living between Australian cities and plan your budget.

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Credit Card Payoff Calculator

Calculate how long it will take to pay off your credit card and total interest paid.

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Debt Consolidation Calculator

See if consolidating your debts into one loan could save you money.

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Personal Loan Calculator

Calculate repayments, total interest, and compare personal loan options.

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Health Insurance Rebate Calculator

Calculate your private health insurance rebate based on age and income tier.

Health
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Lifetime Health Cover Calculator

Calculate your LHC loading and how long until it's removed from your premium.

Health
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Private Health Insurance Decision Tool

Compare the cost of private health insurance versus paying the Medicare levy surcharge.

Health
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Seniors Health Card Calculator

Check if you qualify for a Commonwealth Seniors Health Card. See income limits and concessions worth $2,000+/year.

Benefits
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Low Income Health Care Card Calculator

Check if you qualify for a Low Income Health Care Card. See income limits, PBS savings, and state concessions.

Benefits