Calculators & apps

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We have calculators, checklists, toolkits, resources and apps for all your money issue to help give you direction and motivate you to achieve your financial goals.


Top 10 calculators

Budgeting & saving calculators

  • Budget planner icon

    Budget planner

    Enables you to:

    • plan your money and work out your spending
    • get a clear picture of your finances
    • save your results online.
  • Simple money manager icon

    Simple money manager

    This quick and easy budgeting tool:

    • available in English, simplified & traditional Chinese, Italian, Arabic, Vietnamese, Somali, Dari and Sudanese Arabic
    • helps work out your income and expenses
    • has audio content to explain each category.
  • Savings goal calculator icon

    Savings goals calculator

    Helps you work out:

    • how long it will take to reach your savings goals
    • steps to take to put your plan into action.
  • Compound interest calculator icon

    Compound interest calculator

    Helps you work out:

    • what money you'll have if you save a regular amount
    • how compounding increases your savings
    • the difference between saving now and saving later.
  • Income tax calculator icon

    Income tax calculator

    Helps you work out:

    • how much income tax you should be paying
    • what your take home salary will be when tax and the Medicare levy are removed
    • your marginal tax rate.
  • calculator icon


    A basic calculator that crunches your numbers.

 Money health calculators & toolkits

  • Asset stocktake calculator icon

    Asset stocktake calculator

    Allows you to:

    • list all of your assets and liabilities
    • get an overview of your current financial position.
  • divorce and separation toolkit icon

    Divorce & separation financial checklist

    Gives you:

    • practical steps to separate your finances
    • create an action checklist
    • get your money on track.
  • Womens money toolkit icon

    Women's money toolkit

    Helps women:

    • manage money issues
    • gain an edge on finances
    • create a personalised money to do list.
  • Parental leave calculator icon

    Parental leave calculator

    Shows you:

    • what income you'll have over your parental leave so you can plan your money
    • what impact taking a shorter or longer time off work will have on your income.
  • money health check icon

    Money health check

    Helps you take control of your money by:

    • asking you some easy questions about your personal finances
    • giving you simple steps and tips to improve your situation.
  • Your net worth calculator icon

    Your net worth calculator

    Helps you work out:

    • if your total assets outweigh your debts
    • the strength of your current financial situation.

 Mortgage calculators

 Loan, credit & debt calculators

Super & retirement calculators

  • Super calculator icon

    Super calculator

    Helps you work out:

    • how much super you'll have when you retire
    • how fees affect your final payout.
  • Retirement planner icon

    Retirement planner

    Helps you work out:

    • what income you are likely to have from super and the age pension when you retire
    • how contributions, investment options, fees and retirement age affect your retirement income from super.
  • Super contributions optimiser icon

    Super contributions optimiser

    Helps you work out:

    • which type of super contribution will give your super the biggest boost
    • how to make super contributions.
  • Super v mortgage tool icon

    Super vs mortgage tool

    This tool helps you decide whether you should:

    • contribute more to superannuation or
    • pay more off your mortgage.
  • Super co-contributions calculator icon

    Super co-contribution calculator

    Helps you find out:

    • if you are eligible for a co-contribution from the Government
    • how much you can get if you are eligible.
  • Career break calculator icon

    Career break super calculator

    This calculator helps if you are:

    • taking time off paid work (e.g. to have a baby or carer responsibilities)
    • considering working part time.
  • Employee contributions calculator icon

    Employer contributions calculator

    Helps you:

    • work out how much super you should be getting from your employer
    • check if you are getting the right amount per month.
  • Super pension age calculator icon

    Super and pension age calculator

    Helps you:

    • work out when you can get your super
    • find out when you can apply for the age pension.
  • Account based pension calculator icon

    Account-based pension calculator

    Helps you check:

    • how long can you expect your pension to last
    • if you can make it last longer with lower fees or a different investment option
    • see how long your pension will last compared to another fund.

 Investment calculators & tools

  • financial adviser register icon

    Financial advisers register

    This register allows you to:

    • search for people who provide personal advice on investments, superannuation and life insurance.
    • find out details about a financial adviser's professional background and experience.
  • financial advice toolkit icon

    Financial advice toolkit

    This tool helps you navigate the financial advice process with confidence by showing you:

    • how to prepare to meet an adviser
    • what to expect in the first meeting
    • what to do after you receive advice.
  • investing challenge icon

    Investing challenge

    Test your knowledge of:

    • different assets from super and shares to property and ETFs
    • risk factors affecting your investments
    • diversification and protecting your money.
  • investor toolkit icon

    Investor toolkit

    Whether you're starting out or looking to tune up your knowledge, this toolkit helps you with the investing essentials.

  • Managed funds fee calculator icon

    Managed funds fee calculator

    Helps you check:

    • how fees and costs affect your investment
    • the impact of fees and costs between different funds.
  • Margin loan calculator icon

    Margin loan calculator

    Helps you work out:

    • how the amount you borrow could affect your potential gains and losses
    • the risk of a margin call
    • how much money would you need to meet a margin call if markets go down.

 Search tools

  • unclaimed money search icon

    Unclaimed money

    Find out if you have any lost money from bank accounts, companies (shares and investments) and life insurance policies.

  • financial adviser register icon

    Financial advisers register

    Use this register to:

    • search people who provide personal advice on investments, superannuation and life insurance
    • find out details about a financial adviser's professional background and experience.
  • unlicensed companies icon

    Unlicensed companies list

    Protect yourself against scammers by checking this list of companies and individuals you should not deal with that are not licensed by ASIC.

  • financial counsellor search icon

    Financial counsellor search

    Helps you find a free counsellor near you to help solve your money problems.

  • ASIC lists icon

    ASIC lists

    Check basic facts about people, companies, schemes or personal property.

 Mobile finance apps

  • TrackMySpend app icon


    This app helps you:

    • track your personal expenses on the go
    • provides a clear picture of what you are spending your money on.
  • Trackmygoals app icon


    This app helps you cultivate good savings habits and reach your dreams by:

    • creating realistic savings goals
    • prioritising your goals to ensure they can be achieved
    • providing positive encouragement by tracking your progress.
  • MoneySmart Cars app icon

    MoneySmart Cars

    The app helps you:

    • save money by giving you the real cost of your car purchase
    • avoid common car buying traps and identify hidden costs
    • find alternate ways to finance a car.
  • First business app icon

    First Business

    This app helps you:

    • work out whether you are ready to start a business
    • keep track of requirements relating to running a business
    • develop your business networks 
    • save and compile useful websites and information on starting a business.
  • Financial calculator app icon

    Mobile calculator

    Five of our most popular financial calculators in one app: savings calculator, loan calculator, mortgage calculator, superannuation calculator and interest-free deal calculator.

  • Money Health Check icon

    Money health check

    This app helps you take control of your money by:

    • asking you some easy questions about your personal finances
    • giving you simple steps and tips to improve your situation.

 Teaching resources

  • Primary resources icon

    Primary resources

    Quality resources for primary teachers from Foundation to Year 6 that are aligned to the Australian curriculum.

  • Secondary resources icon

    Secondary resources

    Quality resources for secondary teachers that are aligned to the Australian curriculum.

  • VET resources icon

    VET resources

    Training resources for VET and senior high school students to help develop money management skills to support future careers in small business or as contractors.

Last updated: 12 Jan 2017