Calculators

The following calculators are provided by ASIC's MoneySmart website for your personal use. They are intended only as a guide. For more information or for a detailed analysis of the financial impact of a decision you are considering, please contact us at (08) 8231 4709..

Budgeting & saving calculators

• Budget planner - see where your money is going and how you can save more
• Savings goals calculator - how to reach your savings goals and how long it will take to get there
• Compound interest calculator - see how compound interest grows your savings faster
• First home saver calculator - see whether a First Home Saver Account can boost your deposit
• Income tax calculator - work out how much tax you are paying and what your marginal tax rate is

Money health calculators

• Money health check - assess your financial health and get personalised tips for improving it
• Your net worth calculator - weigh up your debts and assets to review your financial situation

Mortgage calculators

• Mortgage calculator - see how much you could borrow and calculate your mortgage repayments
• Mortgage switching calculator - find out if switching to another mortgage would save you money
• Mortgage health check - check how well you are coping with your mortgage
• Reverse mortgage calculator - how interest rate and house price changes can affect your equity

Loan, credit & debt calculators

• Credit card calculator - find out how much you can save by paying off your credit card faster
• Interest-free deal calculator - see how much you need to repay monthly to avoid interest
• Payday loan calculator - find how much a payday loan will really cost you
• Personal loan calculator - see how much you could borrow and what your repayments would be
• Financial counsellor online search - find a free counsellor to help solve your money problems

Super & retirement calculators

• Superannuation calculator - find out how much super you're likely to have when you retire
• Super contributions optimiser - see how you can boost your super by making extra contributions
• Super vs mortgage calculator - are you better off paying extra to your super or your mortgage?
• Super co-contribution calculator - find out if a Government co-contribution can boost your super
• Employer contributions calculator - how much should your employer be paying into your super?
• Retirement planner - work out how you can boost your retirement income by taking action now
• Super and pension age calculator - see when you can access super and apply for the pension
• Account-based pension calculator - work out whether you can make your pension last longer

Investment calculators

• Managed funds calculator - find out how much your managed fund could be worth in the future
• Margin loan calculator - learn how the amount you borrow can affect potential gains and losses