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Make retirement planning make sense
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We're an Australian Government service here to help when it comes to making informed choices around money, using free tools, tips and calculators.
What can we help you with?
Is your mortgage offset account working for you?
Hidden failures are costing Australians millions.
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Calculators
Moneysmart's calculators help you set realistic goals and can give you the confidence to take the next step.
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Retirement planner
Explore and plan your future retirement income.
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Superannuation calculator
Explore what your super balance might be at retirement.
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Budget planner
Work out where your money is going and find ways to save.
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Savings goals calculator
Plan to set and reach your savings goals over time.
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Income tax calculator
Work out your Australian income tax.
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Personal loan calculator
Work out how much you could afford to borrow and repay.
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Credit card calculator
Calculate savings with higher repayments or a lower interest rate.
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Mortgage calculator
Find out how to repay your home loan sooner.
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Payday loan calculator
See how much a payday loan will really cost you.
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Employer contributions calculator
Check if you're getting the right amount of super.
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Reverse mortgage calculator
Explore what a reverse mortgage could cost over time.
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Spotlight
What to think about before you switch your super fund
What to compare
A hot share tip could cost you more than money
Warning signs
Thinking about downsizing in retirement?
What to know
What's in your credit report?
How to check
How investment platforms work
Pros and cons
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