General Calculators

Please enjoy the links to these free tools supplied by MoneySmart – a great resource for general financial information. Please get in touch if you would like to discuss any questions that you may have as a result of using these calculators.

Managing my Money

Budget Planner

This budget template enables you to:

  • Work out where your money is going
  • Create your own custom items
  • Change the currence

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Simple Money Manager

This quick and easy budgeting tool in community languages:

  • Is available in English, Simplified/Traditional Chinese, Italian, Arabic, Vietnamese, Somali, Dari, and Sudanese Arabic
  • Helps work out your income and expenses

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Savings Goals Calculator

This calculator helps you work out:

  • How long it will take to reach your savings goals
  • Steps to take to put your plan into action

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Compound Interest Calculator

The compound interest calculator helps you work out:

  • What money you’ll have if you save a regular amount
  • How compounding increases your savings interest

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Income Tax Calculator

Helps you work out:

  • How much Australian income tax you should be paying
  • Your marginal tax rate

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Net Worth Calculator

Helps you work out:

  • If your total assets outweigh your debts
  • The strength of your current financial situation

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Rent vs Buy Calculator

Helps you work out:

  • If it is better to rent, buy or borrow electrical goods or furniture
  • The total cost of renting (consumer lease)

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Life Insurance Calculator

Helps you work out:

  • If you need life cover
  • How much life cover you might need

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Borrowing & Credit

Mortgage Calculator

This calculator helps you work out:

  • How much will my mortgage repayments be?
  • How much can I borrow?

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Mortgage Switching Calculator

This calculator helps you work out:

  • Whether you will save money by switching to another mortgage
  • How long it will take to recover the cost of switching

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Personal Loan Calculator

This calculator helps you work out (Also suitable for car loans):

  • How much will my personal loan repayments be?
  • How much can I borrow?

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Credit Card Calculator

Helps you work out:

  • How long it will take to pay off your card by making minimum repayments
  • How much time and money you’ll save by making higher repayments

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Interest-Free Deal Calculator

Helps you work out:

  • How much you need to repay to avoid being charged a high interest rate on the amount owing
  • The total cost of the interest-free deal, including fees (if you pay it off within the interest-free period)

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Superannuation

Retirement Planner

This calculator helps you work out (how to boost your super):

  • What income you’re likely to get from super and the age pension when you retire
  • How contributions, investment options, fees and retirement age affect your retirement income

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Superannuation Calculator

This calculator helps you work out (how fees affect your payout):

  • Find out your super balance at retirement
  • How much super you’ll have when you retire
  • How fees affect your final super balance

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Super Contributions Optimiser

This calculator helps you work out (how fees affect your payout):

  • Which type of super contribution will give your super the biggest boost
  • How to make super contributions

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Employer Contributions Calculator

Use this calculator to:

  • Work out how much super you should be getting from your employer
  • Check if you are getting the right amount per month

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Retirement

Retirement Planner

This calculator helps you work out (how to boost your super):

  • What income you’re likely to get from super and the age pension when you retire
  • How contributions, investment options, fees and retirement age affect your retirement income

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Super & Pension Age Calculator

Helps you work out:

  • When you can access your super and the Age Pension
  • When you can access your super
  • When you can apply for the Age Pension

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Reverse Mortgage Check

Helps you work out:

  • Unlocking the wealth in your home after retirement
  • Is there anyone living in the house who will not be a co-borrower?

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Account-Based Pension Calculator

It helps you work out:

  • How long your super pension (account-based pension) will last
  • How investment returns affect your pension balance

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Investing

Managed Funds Fee Calculator

This calculator helps you check:

  • How fees and costs affect your investmente
  • The impact of fees and costs between different funds

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Compound Interest Calculator

The compound interest calculator helps you work out:

  • What money you’ll have if you save a regular amount
  • How compounding increases your savings interest

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