Free Financial Calculators for Australians
Superannuation, investment properties, ASX stocks — clear financial answers for everyday Australians making real money decisions.
Australia's financial system has features that make it both distinctive and, at times, confusing: compulsory superannuation, franking credits on dividends, widespread investment property ownership, and a tax system with significant concessions for long-term investors. Whether you're tracking whether your super balance is on track for a comfortable retirement, evaluating an investment property, analysing an ASX stock, or valuing a business, the underlying maths is the same as in any finance textbook.
Australia's compulsory superannuation system — the Super Guarantee — requires employers to contribute 11% of your ordinary time earnings into a super fund (rising to 12% by 2025–26). But the employer contribution alone may not be sufficient for a comfortable retirement. Understanding how much your current super balance will grow to by age 65 requires a compound interest calculation. If you're 40 with $150,000 in super and total annual contributions of $20,000, at a 7% annual return you'll accumulate approximately $1.3 million by 65. The Future Value calculator runs this in seconds — try different scenarios with voluntary concessional contributions.
The Reserve Bank of Australia's cash rate shapes mortgage rates, term deposit rates, and the risk-free rate used in every investment analysis. The 10-year Australian Government Bond yield — available from the RBA website — is the baseline rate to use in the CAPM calculator. A diversified Australian equity portfolio (ASX 200) has historically returned around 10% annually including dividends (which benefit from franking credits that can be refunded to low-income investors and retirees).
For ASX investors, the four major banks (CBA, NAB, ANZ, WBC) are among the highest-yielding large-cap stocks in any developed market. But dividend yield alone isn't valuation — the CAPM calculator tells you what return is justified for the risk. The DCF calculator lets you value a company based on its future free cash flows, which is the rigorous approach regardless of how attractive the dividend looks today.
Australia has over 2.5 million active small businesses, many of which change hands between private owners. The DCF calculator and valuation multiples tools provide the same framework that Australian investment banks use when valuing businesses — made accessible without a finance qualification. Every calculator defaults to AUD when you visit this page.
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Use the Future Value calculator. Enter your current super balance as PV, your expected total annual contribution (employer + voluntary) as PMT using the annuity formula, 7% as a long-run balanced fund return, and the years to age 65 as n. The ASFA Comfortable Retirement Standard requires approximately $595,000 for a single person — see if you're on track.
Use the DCF calculator with the net rental income (after rates, strata, and management) as your annual cash flows, a terminal value based on expected resale, and a discount rate of 7–10%. If the DCF value is higher than the purchase price plus stamp duty, the property is generating more value than it costs.
Use the CAPM calculator with rf = the current 10-year Australian Government Bond yield (from the RBA website), the stock's beta (available on ASX.com.au or your broker), and rm = 10% (long-run ASX 200 total return). The required return is the minimum the stock must deliver to justify its risk.
Everything is free — no account required
Every calculator on this site is free to use without creating an account. All results are calculated in your browser — nothing is sent to a server. If you want to save your calculations, track your learning progress, or access full worked answers to practice questions, a Pro account is available — but everything core is and always will be free.