Featured calculator
Refinance calculator
Compare repayments, refinance costs and potential savings in one place.
Money calculators
Money calculators to help you plan with confidence
Open's calculators are designed to be easy to use and understand, so you can compare repayments, check borrowing power, plan savings, and explore other money decisions in one place.
24
calculators across 6 planning categories
Budgeting, tax, debt, property, investing, super and retirement in a calmer public-facing library.
Open the refinance calculatorBuilt to be easier to browse: some calculators open in a richer Open Loans experience, while others stay available in a hosted MoneySmart view so the library remains complete.
Banking and budgeting
4 tools
Budget planner
Map your income, bills, spending and savings in one place.
Build a clearer household budget before making bigger money moves.
Compound interest calculator
See how your savings or investments could grow over time.
Useful for long-term savings and investment planning.
Simple money manager
Check whether your money coming in covers your money going out.
Good for a quick cashflow check before taking on new commitments.
Savings goals calculator
Estimate how much to save each month to reach your goal.
Helpful for deposits, emergency funds and other savings targets.
Work and tax
2 tools
GST calculator
Add or remove GST and see the before- and after-tax amount.
Handy for invoices, quotes and business costs.
Income tax calculator
Estimate your tax, Medicare levy and take-home pay.
Useful when comparing salary, overtime or side income.
Loans, credit and debt
9 tools
Personal loan calculator
Estimate repayments, borrowing costs and loan payoff time.
Good for comparing loan sizes and repayment pace.
Payday loan calculator
See the real cost of a payday loan, including fees and repayments.
Shows how short-term borrowing costs can add up.
Interest-free deal calculator
Check the true cost of an interest-free offer once fees are included.
Useful for checking whether the deal is really cheaper.
Rent vs buy calculator
Compare the cost of renting, buying outright or borrowing instead.
Helpful for major purchases where the financing method changes the outcome.
Credit card calculator
Estimate how long it will take to pay off your card and how much interest you could pay.
Good for building a faster debt-payoff plan.
Mortgage calculator
Calculate home loan repayments, borrowing power and payoff time.
Covers the three questions most borrowers ask first.
Interest-only mortgage calculator
See your repayments during the interest-only period and what they may become later.
Useful for understanding the later repayment jump.
Mortgage switching calculator
Compare refinancing costs against the savings you could make by switching.
Ideal for refinance and switch-cost checks.
Net worth calculator
Add up your assets and debts to see where you stand today.
A simple snapshot of your current position.
Investing and planning
1 tools
Managed funds fee calculator
See how fund fees can affect your balance over time.
Shows the long-term impact of fees on growth.
Super and retirement
7 tools
Superannuation calculator
Estimate how your super balance could grow over time.
Helpful for checking whether retirement savings are on track.
Employer contributions calculator
Estimate how much super your employer should be contributing.
Useful for payslip and super guarantee checks.
Super contributions optimiser
See how extra contributions could change your super outcome.
Best for weighing tax savings against take-home pay.
Retirement planner
Estimate your retirement income needs and how long your savings may last.
Useful for testing different retirement income targets.
Super and pension age calculator
Check your preservation age and Age Pension age.
A quick way to confirm key retirement age milestones.
Account-based pension calculator
Estimate withdrawals, minimum payments and how long your pension balance may last.
Useful for balancing income needs with sustainability.
Reverse mortgage calculator
See how a reverse mortgage could affect your loan balance and remaining equity over time.
Shows how rates and home value growth can change the outcome.
Insurance
1 tools
Life insurance calculator
Estimate how much life insurance cover you may need.
Useful for stress-testing family financial protection.
Jump between tools
Browse the full calculator collection
Account-based pension calculator
Estimate withdrawals, minimum payments and how long your pension balance may last.
Budget planner
Map your income, bills, spending and savings in one place.
Compound interest calculator
See how your savings or investments could grow over time.
Credit card calculator
Estimate how long it will take to pay off your card and how much interest you could pay.
Employer contributions calculator
Estimate how much super your employer should be contributing.
GST calculator
Add or remove GST and see the before- and after-tax amount.
Income tax calculator
Estimate your tax, Medicare levy and take-home pay.
Interest-free deal calculator
Check the true cost of an interest-free offer once fees are included.
Interest-only mortgage calculator
See your repayments during the interest-only period and what they may become later.
Life insurance calculator
Estimate how much life insurance cover you may need.
Managed funds fee calculator
See how fund fees can affect your balance over time.
Mortgage calculator
Calculate home loan repayments, borrowing power and payoff time.
Mortgage switching calculator
Compare refinancing costs against the savings you could make by switching.
Net worth calculator
Add up your assets and debts to see where you stand today.
Payday loan calculator
See the real cost of a payday loan, including fees and repayments.
Personal loan calculator
Estimate repayments, borrowing costs and loan payoff time.
Rent vs buy calculator
Compare the cost of renting, buying outright or borrowing instead.
Retirement planner
Estimate your retirement income needs and how long your savings may last.
Reverse mortgage calculator
See how a reverse mortgage could affect your loan balance and remaining equity over time.
Savings goals calculator
Estimate how much to save each month to reach your goal.
Simple money manager
Check whether your money coming in covers your money going out.
Super and pension age calculator
Check your preservation age and Age Pension age.
Super contributions optimiser
See how extra contributions could change your super outcome.
Superannuation calculator
Estimate how your super balance could grow over time.