Australia's money has its own rulebook, 10% GST on every receipt, home loans with offsets and redraws, and a 38 hour working week, and American built calculators get half of it wrong. This page plays by local rules instead: GST in both directions, home loans the Australian way, pay converted on the 38 hour week. Free, instant, no sign up.

The GST is beautifully simple and still trips people up daily: a flat 10%, the same in every state and territory since 2000. The two questions never change, add GST to this net quote, or strip it out of this gross invoice. Our gst calculator australia does both: $100 ex GST becomes $110, and $110 strips back to $100, with the GST component shown each way. Worth memorising: the GST hiding inside any GST inclusive price is always the total divided by eleven.

A home loan here is a structure, not just a rate. Principal and interest repayments chip away at the balance each month; interest only leaves it standing still, mostly an investor's game. Variable rates ride the market while fixed rates lock in certainty for one to five years. Then the clever bits: an offset account, where savings in a linked account cancel out part of the interest (keep $50,000 parked against a $500,000 loan and you pay interest on $450,000), and redraw facilities that let you pull back extra repayments you've already made. Put down less than 20% and Lenders Mortgage Insurance joins the bill. It protects the lender, not you, and you pay for it. Our home loan calculator australia tests amounts, rates and terms in AUD, so the repayment you stress test is the one the bank will quote.

Jobs are advertised by the hour and budgeted by the year, and Australia's 38 hour full time week makes the conversion its own thing: hourly rate × 38 × 52. So $35 an hour is about $69,160 a year, before tax, and before the superannuation guarantee your employer pays on top of your wage. Our salary calculator australia handles casual and part time hours too, returning annual, monthly and weekly figures in AUD. Gross, always. Tax comes after.

Health maths takes seconds: kilograms and centimetres in, BMI and the standard categories out, run it through our BMI calculator. And a word for newcomers, tipping isn't a thing here. Hospitality staff earn proper minimum wages, so rounding up or leaving around 10% for exceptional service is a genuine thank you, never an obligation. Nobody counts your tip at an Aussie table; they just split the bill fairly.

Everything here is free, needs no account, and works on your phone, stress test a home loan on the tram, strip GST off a quote at the counter. Figures in AUD, units in metric, answers the moment you type.

Frequently asked questions

How do I add or remove GST on a price in Australia?

To add GST, multiply the net (GST exclusive) price by 1.10: a $100 net price becomes $110, with $10 of GST. To remove GST from a GST inclusive price, divide the gross price by 11 and multiply by 10 (or simply divide by 1.10): $110 becomes $100 net, again with $10 of GST. A handy shortcut: the GST hidden inside any GST inclusive price is always the gross amount divided by 11.

Should I choose a variable or fixed home loan in Australia?

A variable rate moves up and down with the market, so your repayments can change, but you usually get features like offset accounts and unlimited extra repayments. A fixed rate locks your repayments for one to five years, giving certainty for budgeting, though breaking the fixed term early can trigger break costs and limits on extra repayments often apply. Many borrowers split their loan, part fixed, part variable, to get a bit of both.

What does an offset account do on an Australian home loan?

An offset account is a savings or transaction account linked to your mortgage. Its balance is "offset" against your loan balance when interest is calculated, so with a $500,000 loan and $50,000 sitting in the offset, you only pay interest on $450,000. A redraw facility is similar but works on extra repayments you have already made into the loan, letting you withdraw them later, usually with some limits. Both reduce the interest you pay and can shorten the loan term.

When do I have to pay Lenders Mortgage Insurance in Australia?

Lenders generally require LMI when your deposit is less than 20% of the property's value (a loan to value ratio above 80%). It is a one off premium that protects the lender, not you, if you default, and it is often added to the loan amount so you pay it off over time. The premium grows as your deposit shrinks, so saving a full 20% deposit avoids it entirely.

How do I convert an hourly wage to an annual salary in Australia?

Multiply your hourly rate by your weekly hours, then by 52. Australia's standard full time week is 38 hours, so a full time wage is hourly × 38 × 52, $30 an hour equals $59,280 a year before tax. Our calculator also handles part time and casual hours. Note this is gross pay; income tax comes off afterwards, and the superannuation guarantee is paid by your employer on top of your wage.

Do I need to tip in Australia?

No, tipping is not customary or obligatory in Australia. Hospitality workers are covered by relatively high minimum wages, so service costs are already built into prices. Rounding up the bill or leaving around 10% for genuinely exceptional service is appreciated but entirely optional, and nobody will think twice if you don't.

Free Australia Calculators

Free Australian Calculators: GST, Home Loans, Salary & Everyday Sums