Eleven free calculators for Australian businesses and individuals. Built on FY2025-26 rates, kept deliberately simple, and clear about where the line sits between a quick estimate and advice that fits your situation.
EOFY 2026 — calculatingFY2025-26 ratesGeneral information onlyAustralia-wide
Instant Asset Write-Off Calculator
The $20,000 instant asset write-off is law for FY2025-26 only. Assets first used or installed ready for use between 1 July 2025 and 30 June 2026 can be written off immediately, per asset, if your aggregated turnover is under $10M. From 1 July 2026 the threshold reverts to $1,000 unless re-legislated.
Your purchase
Estimated tax saving this year
$0
Deductible amount$0
Cash cost after tax saving$0
Estimate only, based on FY2025-26 rules. Not tax advice. Eligibility depends on the asset and your full circumstances — confirm with a registered tax agent and check the threshold against the ATO.
Company vs Sole Trader vs Trust
A side-by-side estimate of total tax across the three most common small business structures, on the same profit. Structure is a genuine advice decision (asset protection, anti-avoidance rules, cost and complexity all matter), so treat this as a starting point for a conversation, not an answer.
Your numbers
The trust figure assumes profit split evenly between adult beneficiaries on no other income — an illustration of the income-splitting effect only.
Lowest estimated total tax
$0
Estimate only, FY2025-26. The company "distribute" line assumes fully franked dividends; "retain" defers personal tax until profits are drawn. Trust figures ignore each beneficiary's other income and do not account for s100A, Part IVA, family trust elections, the cost of running each structure, or asset protection. This is general information, not tax or structuring advice — see a registered tax agent.
R&D Tax Offset Estimator verify intensity tiers
The Research and Development Tax Incentive can return a refundable offset to companies under $20M turnover, even in a loss year. This gives a rough estimate of the offset on eligible R&D expenditure. Eligibility and registration with the department are strict — this is a sizing tool, not an eligibility ruling.
Your R&D
Estimated R&D tax offset
$0
Offset rate applied—
Benefit above a normal deduction$0
R&D intensityn/a
Estimate only, FY2025-26. Under $20M turnover the offset is refundable (cash back if in loss); $20M and over it is non-refundable and tiered by R&D intensity. Eligibility, the definition of eligible activities, and registration with the department within 10 months of year-end all apply. Verify the current rates and intensity tiers against the ATO and business.gov.au. Not advice.
Small Business Income Tax Estimator
A rough estimate of tax on your business profit for FY2025-26, whether you trade through a company or in your own name. Company profit is taxed at 25% (base rate entity) or 30%. Sole-trader profit is taxed at your individual marginal rates plus the 2% Medicare levy.
Your business
Estimated tax payable
$0
Tax rate applied—
Effective tax rate—
Net after tax$0
Estimate only, FY2025-26 resident rates. Excludes HELP/HECS, Medicare levy surcharge, offsets and franking. Not tax advice — see a registered tax agent for your actual position.
GST Calculator
Add 10% GST to a price, or strip it out of a GST-inclusive amount. The ATO method to find the GST inside a GST-inclusive price is to divide by 11.
Amount
GST-inclusive total
$0
GST-exclusive amount$0
GST (10%)$0
General information only. GST treatment can differ for some goods and services (GST-free or input-taxed supplies). Check the ATO or your tax agent.
Super Guarantee Calculator
From 1 July 2025 the super guarantee rate is 12% of ordinary time earnings — the final scheduled increase. Super is on top of wages. From 1 July 2026, payday super requires it to be paid each payday rather than quarterly.
Employee earnings
Super guarantee cost (annual)
$0
Per employee, per year$0
Per employee, per quarter$0
Total cost to employ (wages + super)$0
Estimate only at 12% SG. The maximum contribution base caps compulsory SG at high earnings ($62,500 per quarter for 2025-26). Not advice — confirm obligations with the ATO or a registered tax agent.
Division 7A Minimum Repayment
If your private company has lent money to you or an associate, Division 7A requires a minimum yearly repayment to avoid the loan being treated as an unfranked dividend. The FY2025-26 benchmark interest rate is 8.37% (down from 8.77%).
The loan
Minimum yearly repayment
$0
Interest component (8.37%)$0
Principal component$0
Remaining term—
Due by the earlier of the company's lodgement day and the actual lodgement of its return for the year.
Estimate using the ATO Division 7A formula and the 8.37% FY2025-26 benchmark rate. Division 7A is complex (distributable surplus, complying loan agreements, interposed entities). Not advice — confirm with a registered tax agent.
Payroll Tax Calculator tapers vary — verify
Payroll tax is a state and territory tax with a different threshold and rate in each jurisdiction. This gives a simple estimate above the tax-free threshold. Large employers face threshold phase-outs and surcharges that this tool does not fully model — verify with your state revenue office.
Your wages
Estimated annual payroll tax
$0
Tax-free threshold$0
Rate applied—
Above threshold?—
Estimate only, FY2025-26. Excludes grouping rules, interstate apportionment, regional rates, and large-employer surcharges (e.g. Victoria's mental health levy). Verify with your state revenue office.
Take-Home Pay Calculator
An estimate of what lands in your bank account after income tax and the Medicare levy, for FY2025-26. Super is shown separately because it is paid on top of your wage, not deducted from it.
Your pay
Take-home pay per month
$0
Annual take-home$0
Income tax (annual)$0
Medicare levy (annual)$0
Super paid on top (12%)$0
Estimate only, FY2025-26 resident rates. A marginal-rate estimate can differ by a few dollars per pay from the ATO withholding tables. Excludes HELP/HECS, the Medicare levy surcharge, low-income offsets and salary packaging. Not tax advice.
Individual Income Tax Estimator
Estimate the tax on your taxable income for FY2025-26 using the resident marginal rates, plus the 2% Medicare levy.
Your income
FY2025-26 resident rates: nil to $18,200; 16% to $45,000; 30% to $135,000; 37% to $190,000; 45% above.
Estimated tax payable
$0
Income tax$0
Medicare levy$0
Effective tax rate—
After-tax income$0
Estimate only, FY2025-26 resident rates. Excludes HELP/HECS, the Medicare levy surcharge, offsets and any non-resident rates. Not tax advice.
The 2026 Tax Cut — What You'll Save
From 1 July 2026 the 16% tax bracket drops to 15%. This compares your tax for FY2025-26 with FY2026-27 and shows the saving. A further cut to 14% is legislated for 1 July 2027.
Your income
The cut applies to the bracket between $18,200 and $45,000, so the maximum saving is about $268 a year for anyone earning above $45,000. Medicare levy is excluded here to isolate the income tax change.
Your annual saving
Estimated annual tax saving
$0
Income tax FY2025-26$0
Income tax FY2026-27$0
Per week$0
Estimate only, income tax (excluding Medicare levy and offsets). The 15% rate from 1 July 2026 and the 14% rate from 1 July 2027 are legislated; confirm against the ATO before relying on them. Not tax advice.
The EOFY 2026 SME tax-saving checklist A plain-English list of the moves worth checking before 30 June, sent to your inbox. No charge.