Velofy — Free Australian Financial Calculators

Know your numbers.
Make better financial decisions.

Velofy is an independent Australian fintech tool offering free, ATO-compliant tax calculations, APRA serviceability assessments, and state-specific stamp duty — all client-side, all private.

Tax Calculator Loan Calculator
Calculations based on
All Tools

Australian financial calculators

One shared engine. Every tool calculates in your browser — no data ever leaves your device.

NEW · EOFY
EOFY Deduction Checklist
Personalised by profession — 8 common deductions + nurse/teacher/tradie/IT/WFH-specific items. Print-ready for your tax agent.
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Tax Deductions Calculator
Current ATO brackets, profession deductions, offsets and Medicare levy — plus salary sacrifice strategies.
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Loan Calculator
Repayments (principal & interest or interest-only), the bank stress-test buffer, deposit size and mortgage insurance checks.
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New
RBA Rate Change Calculator
What the next cash-rate rise or cut does to your repayments — save your loan and the new rate loads after each RBA decision.
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Live
Stamp Duty Calculator
All 6 states compared side-by-side — NSW, VIC, QLD, WA, SA, ACT. First home buyer concessions included.
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HECS Repayment Calculator
$69,528 threshold, marginal repayment rates, indexation and payoff timeline for 2026–27.
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Super Calculator
Projected balance, concessional contributions, salary sacrifice impact.
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New
Payday Super Check
Payday super is law from July 2026 — check your payslip's super and tax withheld against the official ATO schedules in 30 seconds.
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Capital Gains Tax Calculator
CGT discount method, 50% discount for assets held >12 months, property/shares/crypto.
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Negative Gearing Calculator
Updated for 12 May 2026 budget. Tax saving, cash flow, grandfathering check, building and fittings depreciation.
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Medicare Levy Surcharge Calculator
$105k single threshold, tier-by-tier surcharge, hospital cover break-even verdict for 2026–27.
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Salary Sacrifice Calculator
Exact tax saving at your marginal rate, with the high-earner super tax flag, concessional cap tracker and 30-yr compound projection.
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Compound Interest Calculator
Per-period compounding (weekly to annual), nominal + inflation-adjusted real value, year-by-year schedule.
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ETF Projection Calculator
VAS / VGS / VHY / NDQ / IVV / A200 / IOZ / VDHG / DHHF verified 5-year returns after fees, inflation-adjusted value, and what each pays in distributions.
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Pay Rise vs Inflation Calculator
Official inflation data and current tax rates. See if your salary has kept up with inflation.
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Job Offer Comparison Calculator
After-tax + super + salary packaging + bonus likelihood + 30-year retirement gap.
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NSW Rent Check
Is your rent above or below the median? Your weekly rent vs NSW Fair Trading bond data — postcode, dwelling type, bedrooms.
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NEW
Sydney Rental Yield Map
Rental yield by suburb: interactive map, every-postcode table and a yield calculator. Real government data.
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Live
Car Stamp Duty Calculator
Motor vehicle duty for QLD, NSW, VIC, WA, SA & ACT — EV, hybrid and cylinder-based rates, plus the $100k price cliffs.
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New
Car Repair or Replace Calculator
Is the repair quote worth it? Keep vs replace over 3, 5 or 7 years — with the depreciation, stamp duty and loan interest most comparisons skip.
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New
Property Sale Profit Calculator
Paper profit vs what you actually walk away with — interest paid, all costs, CGT and your break-even sale price.
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New
School Zone or School Fees Calculator
Catchment premium vs private school cost over 13 years — extra stamp duty, interest on the premium, and the growth rate the zoned home needs to win.
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Car stamp duty by state: NSW · VIC · QLD · WA · SA · ACT. Weighing a school zone against private fees? Read school zone premium vs private school fees.