hakluke@~

~$ ls finance/

Finance calculators

Money decisions I’ve had to make myself, turned into something you can poke at. Australian tax and duty rules, sane defaults, every number editable. Nothing is sent anywhere — your figures live in your browser and nowhere else.

FIN-001

Rentvest vs. Buy

Buy a home with your deposit, or rent and invest the lot? Models the mortgage, stamp duty, capital gains tax and the house you still want in retirement.

Open
FIN-002

Mortgage payoff

What extra repayments, an offset and a lump sum actually do to your loan — years shaved off, interest never paid.

Open
FIN-003

Take-home pay

Salary in, take-home out — income tax, Medicare, LITO and HELP on the current scales, per week, fortnight and month.

Open
FIN-004

Salary sacrifice into super

Trade taxed salary for 15%-taxed super and see what each dollar of take-home turns into — caps, Division 293 and all.

Open
FIN-005

When can I stop working?

Your number, the year you hit it, and whether you’re already coasting — in today’s dollars, with honest return assumptions.

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FIN-006

The true cost of a car

Depreciation, fuel, insurance, interest and the investment growth the money never earns — what the car really costs per week and per km.

Open
FIN-007

Compound interest

The plain one, with nothing hidden — what a pile plus a monthly deposit becomes, and the year the interest starts out-earning you.

Open
FIN-00x

More coming

Company vs. personal income, debt recycling, novated leases. Got one you want? Tell me.

In the queue

General information only, not financial advice. I’m a hacker, not a financial adviser.

Fair warning, before you trust anything above: this was built by one random guy on the internet who likes spreadsheets — not an accountant, not a financial adviser, not a lawyer. It almost certainly contains bugs, simplifications, and rules that have quietly gone out of date. You probably shouldn’t use it for anything that matters.

Nothing on this page is financial, tax or legal advice, or a recommendation to do anything. The numbers are provided as-is with no warranty of any kind, and I accept no liability for any loss that comes from relying on them. Before making a real decision, check the figures against the ATO’s published rates and talk to someone actually licensed to advise you. If you use these numbers anyway, you do so entirely at your own risk.