Stamp duty, capital gains tax, mortgage repayments, LMI, superannuation, crypto tax and more — all updated for 2025-26 rates.
Financial Calculators
Instant estimates for property, tax, and finance decisions — updated for the 2025-26 financial year.
Property & Finance Guides
Plain-English guides to help you understand the big financial decisions — all updated for 2025-26.
Aussie Property & Crypto Calc is a free Australian financial calculator tool built to help property buyers, investors, and everyday Australians understand the real costs of buying, selling, and holding property and crypto assets.
All calculators are updated for the 2025-26 financial year using published rates from the Australian Tax Office (ATO), Revenue NSW, and state government revenue offices. We cover all eight states and territories for stamp duty, and all major asset types for capital gains tax.
We are not a financial advice service. All figures are estimates for general information only. Always verify with a licensed financial adviser, conveyancer, or the relevant state revenue office before making financial decisions.
Australian property tax and finance calculations are surprisingly complex. Stamp duty rates differ across all eight states and territories. Capital gains tax depends on how long you have held the asset, your marginal tax rate, and whether exemptions apply. LMI premiums vary by lender, deposit size, and loan type. Superannuation projections require understanding contribution caps, preservation ages, and the super guarantee rate.
When I was buying my first investment property, I used three different online stamp duty calculators and got three different answers. One had not been updated in two years. Another was run by a mortgage broker to capture leads. The third charged for a basic calculation that should be free. I built these calculators to solve that problem: free, accurate, no sign-up, and updated whenever rates change.
Every calculator on this site is tested against worked examples published by the ATO, state revenue offices, and ASIC MoneySmart. When a government source publishes a sample calculation, I verify the calculator produces the same result before publishing it. If a rate or threshold changes, the page is updated and shows a last updated date so you know it is current.
Each calculator works entirely in your browser: your inputs are never sent to a server or stored. Here is how to get the most out of them:
For detailed explanations of how each calculation works, including the formulas, rate tables, and worked examples, read the corresponding guide linked on each calculator page. The guides explain the methodology, common pitfalls, and how the calculations apply to real-world situations.
Frequently Asked Questions
Common questions about Australian property tax and finance calculations.
Our calculators use current 2025-26 rates published by the ATO and state revenue offices. They provide reliable estimates for budgeting purposes. However, your actual liability may vary based on specific concessions, exemptions, or individual circumstances. Always confirm with a professional before settlement.
First home buyers in NSW may be exempt from stamp duty on new homes up to $800,000, or existing homes up to $650,000. Partial concessions apply above those thresholds. You may also opt into annual land tax instead of paying stamp duty upfront on properties up to $1.5 million.
CGT is calculated on the profit from selling a property. If you've owned the property for more than 12 months, you receive a 50% CGT discount. The discounted gain is added to your taxable income and taxed at your marginal rate. Our CGT calculator handles all of this automatically.
Lenders Mortgage Insurance (LMI) protects the lender if you default on your loan. You typically pay it when your deposit is less than 20% — that is, your Loan to Value Ratio (LVR) is above 80%. LMI can often be added to your loan amount rather than paid upfront.
Cryptocurrency is treated as a CGT asset by the ATO. You pay CGT when you dispose of crypto (sell, trade, gift, or use it). The same 50% discount applies if you've held the asset for more than 12 months. Our Crypto CGT calculator handles AUD conversions and discount eligibility.
The Superannuation Guarantee (SG) rate is 12% for the 2025-26 financial year. The concessional contribution cap (pre-tax) is $30,000 per year, and the non-concessional cap (after-tax) is $120,000 per year.