Updated for FY 2026–27

Australian tax & pay calculators that give you a straight answer

Free, fast and private — every Calcroo tool runs entirely in your browser, from tax and pay calculators to visa-photo, PDF and CV tools. No sign-up, no "talk to an adviser" wall. Just type your numbers and see where your money goes.

Tax & pay calculators

All six updated for the 2026–27 financial year — and tax-time 2026 ready.

Live

Tax Refund Calculator

Estimate your 2025–26 tax return before you lodge — refund or bill, at the correct rates.

Live

Income Tax Calculator

Take-home pay, income tax, Medicare levy and HECS-HELP under the 2026–27 rates.

Live

Pay Calculator

Convert annual, monthly, hourly and weekly pay — before and after tax.

Live

HECS Repayment Calculator

Your compulsory repayment and payoff timeline under the marginal system.

Live

Casual Pay Calculator

Casual loading, weekend & public holiday penalty rates, and real weeks worked.

Live

Salary Sacrifice Calculator

Super contributions, tax savings and the HECS impact most tools miss.

Your dashboard

Saved calculations

Save any setup with one tap and manage your history — stored privately in your browser, no sign-up.

Paperwork tools

Life-admin utilities for visas, loans and applications — all free, running privately in your browser.

Live

Visa Photo Resizer

Crop and size photos to the Australian 35×45mm passport/visa standard — right in your browser.

Live

Document Compressor

Shrink photos and scans to fit upload limits for immi, Centrelink and bank portals.

Live

PDF Merger

Combine PDFs and photos into one file for loan or visa applications. Files never leave your device.

Live

Australian CV Builder

An ATS-friendly resume in the Australian format — no photo, no date of birth.

Live

PDF Splitter

Keep only the pages you need from statements and scans — or drop the ones you don’t.

Live

Signature Maker

Draw a signature — or extract one from a photo — as a transparent PNG for forms.

From the guides

Plain-English explainers that pair with the calculators — see all guides.

Tax time 2026

How to Lodge Your Tax Return in 2026

Key dates, the myTax walkthrough, and what is different this year.

Evergreen

The Tax-Free Threshold, Explained

Where to claim the $18,200 — and why the real zero-tax floor is ~$22,860.

Two jobs

Second Job Tax: The Myth and the Maths

Job two isn’t taxed higher — but the threshold and HECS traps are real.

Why Calcroo?

Most Australian tax calculators are built by banks and lenders to funnel you toward their products, or they lag behind when rates change. Calcroo is different: we update on day one of every financial year (the 2026–27 rates went live from 1 July 2026), we show our working, and your numbers never leave your device — every calculation happens locally in your browser.

We started with the calculations Australians look up most — income tax, take-home pay, HECS-HELP and tax refunds — and the paperwork tools that go with them are now live too: visa photos to the 35×45mm standard, document compression, PDF merging and an ATS-friendly Australian CV builder, all running privately in your browser. Something you'd like us to build next? Tell us.