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Free calculators and tools for Australian small businesses and individuals. All built on current ATO rates.

Tax & pay calculators
Calculate your income, tax and super with current ATO rates for FY2024–25.
⭐ Most popular
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Australian Pay Calculator
Take-home pay, income tax, Medicare, HECS, super, CTC, monthly breakdown, tax tips, 5-year projection and salary comparison.
FY2024–25Stage 3 ratesCharts
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Super Balance Tracker
Project your superannuation balance at retirement. Adjust SG rate, voluntary contributions, returns and fees.
RetirementProjections
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Bonus & Lump Sum Calculator
Calculate the exact tax on a bonus, redundancy payment, ETP or commission. See how it affects your full year tax.
Bonus taxRedundancy
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Contractor vs Employee
Compare true take-home pay across both structures. Includes tax, super, leave entitlements, insurance and business costs.
ContractorABN
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Negative Gearing Calculator
Calculate your investment property cash flow, tax deductions, rental yield and true out-of-pocket cost after tax benefits.
PropertyTax deductions
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GST & BAS Calculators
Quick GST calculator, BAS due date finder, sole trader tax estimator, superannuation calculator and more mini tools.
GSTBASAU
🆕 New
Tax Return Checklist
Select your situation and get a personalised checklist of every document, deduction and deadline for your 2024–25 return. Print to PDF.
PDF downloadPersonalised
🆕 New
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2026 Tax Cut Calculator
See exactly how much extra money you'll take home from 1 July 2026 when the next round of Stage 3 cuts kick in. Weekly, monthly and 5-year view.
Stage 3FY2026-27
🆕 New
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ATO Audit Risk Checker
Answer 10 questions and find out your ATO audit risk score. Get personalised flags and actions to protect yourself before you lodge.
QuizRisk score
🆕 New
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Australian Budget Planner
Enter your take-home pay and monthly expenses. Compare against Melbourne cost-of-living benchmarks and see where your money is going.
Melbourne benchmarksInsights
Business tools
Practical tools to run your business — invoicing, expenses, BAS dates and more.
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Invoice Generator
Create professional tax invoices with GST in seconds. Live preview, print to PDF, includes bank details and ABN. No signup.
PDF downloadGST
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Expense Tracker
Track and categorise business expenses by ATO category. Calculate GST credits, running total and export summary.
ATO categoriesGST credits
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BAS Due Date Reminder
See your next BAS, IAS and tax return due dates. Set email reminders so you never miss an ATO lodgement date again.
BASATO dates
Tax guides & articles
In-depth guides written by Digitwise Consulting — accurate, ATO-verified and updated for 2024–25.
📖 Guide
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Work From Home Deductions 2024–25
Everything you need to know about claiming WFH deductions. Fixed rate 67c/hr method, actual cost method, what you can and can't claim, record keeping and sole trader rules.
8 min readATO verified
📖 Guide
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How to Lodge Your BAS in Australia
Complete guide to BAS lodgement for 2024–25. Due dates, GST labels explained, PAYG withholding, step-by-step instructions, common mistakes and penalty schedule.
10 min readATO verified
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