Step two

Arithmetic on your numbers. No projections, no products.

Everything here runs in your browser. Nothing you type is stored, nothing is sent anywhere, and no account is ever linked. None of it predicts what will happen to any financial product — it shows you how the arithmetic behaves.

Education onlyGeneral, factual information. Not financial advice, general or personal. We hold no AFSL and give no advice.

What compounding does over time

What compounding does over timeArithmetic only

20
Contributed at $200 a month
$92,408What the arithmetic gives at a fixed 6% a year

Arithmetic, not a projection. No financial product is involved and no return is promised or implied — the rate is a fixed figure you choose yourself, to show the shape of the maths. Real returns vary, are not fixed, and can be negative. Nothing you enter is stored or sent anywhere.

What’s left after tax

What’s left after taxArithmetic only

—Income tax
—Medicare levy
—Left over, before anything else
—Share of that figure

Arithmetic against the published resident rates for 2026–27, taken from ato.gov.au — Individual income tax rates for Australian residents and checked on 1 August 2026. Enter your taxable income — that is what the brackets apply to, and it is your income after deductions, not your gross pay. The Medicare levy uses the low-income threshold and its shade-in at $28,011 and $35,013; those are the thresholds legislated for 2025–26 and carried forward, because thresholds for the current year are not set until the next Federal Budget. It does not model the Medicare levy surcharge, HELP or HECS repayments, salary sacrifice, deductions, offsets, the $1,000 instant work-related expense deduction, or the rates for non-residents and working holiday makers — so a real assessment will differ. Nothing you enter is stored or sent anywhere.

What a rate costs over time

What a rate costs over timeArithmetic only

30
—Repayment each month
—Interest over the whole term
—Total repaid
—Interest as a share of the amount owed

The standard arithmetic for a fixed rate compounded monthly with equal repayments. It describes how interest behaves. It is not a quote, it ranks nothing, and it names no product. Real loans carry fees, rates that move and terms that differ, so a real loan will not match this. Nothing you enter is stored or sent anywhere.

Where it actually goes

Where it actually goesArithmetic only

—Going out each month
—Difference

Addition and percentages on figures you type in. It does not categorise anything for you, does not read any account, and does not tell you whether a number is high or low — that is not something we are able to judge for you. Nothing you enter is stored or sent anywhere.