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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?

A hot share tip could cost you more than money
How to spot and protect yourself from a pump and dump scheme.
Warning signsCalculators
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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