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Free tools

Financial calculators

Free tools that show their workings: the assumptions behind every result are editable, and the limitations are written down rather than buried.

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  • 7 free calculators
  • No sign-up or email
  • Runs in your browser
  • Assumptions you can edit
  • Print or save as PDF

Compound interest

Example

Projected balance after 10 years

$100,134

About $78,224 in today's dollars

You put in

$70,000

Growth

$30,134

The calculator's default inputs: $10,000 now, $500 monthly, a 6% assumed return and 2.5% inflation. Before tax and fees. An illustration, not a forecast.
Try it with your own numbers

Every calculator here states what it assumes, what it leaves out, and how to read the answer. None of them require an account, and none of them send what you type anywhere — the maths runs in your browser.

Investment growth

Compound interest calculator

If I keep adding to this every month, what could it be worth?

See what a starting balance and a regular contribution could grow to, and how much of the result is your own money rather than growth.

Open calculator

Home loan

Mortgage repayment, extra repayment and offset calculator

What would paying extra — or keeping cash in my offset — actually save me?

Four paths side by side: your current repayment, paying extra, holding money in an offset, and doing both.

Open calculator

Saving

Savings goal calculator

How much do I need to put aside each month — and how long will it take?

Two ways round the same problem: fix the date and solve for the amount, or fix the amount and solve for the date.

Open calculator

Cash flow

Budget and emergency fund calculator

What is left over each month, and how long until I have a buffer?

Your surplus, your essential spending, and the gap to an emergency fund of the size you choose.

Open calculator

Income tax

Income tax and take-home pay calculator

What actually reaches my bank account after tax?

What the tax, the levy and a study loan take out of a salary, and what lands in your account.

Open calculator

Retirement

Superannuation growth calculator

How much super will I have when I retire?

What a super balance could reach by retirement — and how much of it fees and contributions tax take on the way.

Open calculator

Superannuation

Salary sacrifice to super calculator

If I sacrifice more into super, what actually changes?

The whole picture side by side: what leaves your pay, what reaches your super, and what the two together are worth.

Open calculator

How these are built

Three things every calculator here does

Australians are not short of financial calculators. These are the choices that make these ones worth using.

Assumptions you can change

Every rate, frequency and timing sits in an Assumptions panel you can edit. A result you cannot interrogate is not much use.

Limitations written down

Each page states what the model leaves out — fees, tax, stamp duty, rate changes — instead of leaving you to discover it later.

Nothing leaves your browser

The maths runs on your device. No account, no email gate, and nothing you type is sent to us or stored.

These calculators give general information only. They do not take your objectives, financial situation or needs into account, and nothing here is a recommendation to buy, sell or hold any financial product. Souffle builds software for licensed advice practices; it does not provide personal financial advice.

For financial advisers

Get Souffle for your advice practice

These calculators are free for everyone. For advisers, Souffle is the practice software: client records and fact finds, modelling, fifteen built-in calculators and a branded client portal in one platform.

  • Fifteen built-in calculators, from stamp duty to SMSF property

  • Client records, fact finds and financial position

  • Superannuation and investment modelling

  • A branded client portal for documents and questionnaires

Book a demoSee all features

Client financial dashboard

Clients

Leads

Appointments

Tasks

Modelling

Assets

$1.84m

Liabilities

$612k

Gross income

$248k

Expenses

$132k

Superannuation projection

Built-in calculators

  • Stamp duty
  • Land tax
  • Income tax
  • Debt recycling
  • SMSF property purchase

Fifteen in total, plus ASX and FX data