Where every number came from

Tax, cashflow, waterfall, hospital, offset, hold

Resident income-tax brackets, 2% Medicare levy, $1,000 standard labour deduction (s25-130)

Source. ATO — tax rates Australian residents; ITAA 1997 s25-130 · as at 1 July 2026 (FY2026–27)

How we use it. Baked table. LITO is included (nil above $66,667). Singles Medicare levy shade-in uses the latest ATO thresholds, $28,011 to $35,013. Family levy reduction is not applied. Not an assessment.

Tax, hospital, cashflow

HELP / HECS compulsory repayment — $69,528 nil; 15c; 17c; 10% of total repayment income from $186,051

Source. ATO / Study Assist HELP repayment thresholds 2026–27 · as at 1 July 2026

How we use it. Default stand-in is taxable income. Optional RFBA / RESC / investment-loss add-backs switch to repayment income.

Tax, hospital, cashflow

Medicare levy surcharge 0 / 1 / 1.25 / 1.5%. Singles from $105,001. Family from $210,001 + $1,500 after first child

Source. ATO Medicare levy surcharge · as at 1 July 2026

How we use it. Singles unless family toggle. Cover toggle zeroes surcharge, not the 2% levy.

Waterfall, private super, hospital, offset, cashflow

SG 12%, concessional cap $32,500, max contribution base $270,830, Div 293 $250,000, NCC $130,000, bring-forward $390,000 if total super was under $1.84m on 30 June 2026, general transfer balance cap $2.1m

Source. ATO super contributions and Division 293 · as at 1 July 2026

How we use it. Caps are annual. QLD public SG 12.75% is an award overlay, labelled where used.

Division 296, private super, waterfall

LSBT $3m extra 15% on the attributable share of relevant super earnings; VLSBT $10m a further 10%. CPI steps $150,000 and $500,000. First income year 2026–27.

Source. ATO — how Division 296 tax is calculated · as at 1 July 2026

How we use it. User types TSB and relevant earnings. Proportion rounded to two decimals. Not the 2023 unrealised proposal. Defined benefit out of retirement phase is out of scope. SMSF CGT election is not calculated.

When you can use your super, drawdown sketch

Minimum pension drawdown under 65 is 4%, then 5, 6, 7, 9, 11, 14. TTR maximum 10%.

Source. ATO key super rates; ATO transition to retirement · as at Current law

How we use it. Table is labelled. History chips on the drawdown page are illustrations, not a forecast. Not a US 4% rule.

Investing for a child

Tax of minors on eligible unearned income: nil to $416; 66% of the excess to $1,307; 45% of the whole amount above that.

Source. ATO — children’s share investments · as at ATO table

How we use it. Four columns. Bond column is a 30% illustration, not a product. No winner.

Hospital packaging

s57A public-hospital FBT exemption. $9,010 living + $2,650 meal entertainment. FBT year 1 Apr–31 Mar

Source. ATO fringe benefits and public benevolent / public hospital s57A · as at FBT year 1 Apr 2026 – 31 Mar 2027 (sketch)

How we use it. HELP add-back uses reportable amounts. Packaging is an input, not a recommendation.

Hold, rent

Land tax on site / unimproved / AUV. NSW 3-year average; VIC/QLD/SA/WA/TAS/ACT tables; NT = $0

Source. State revenue offices (Revenue NSW, SRO VIC, QRO, RevenueSA, RevenueWA, SRO Tas, ACT Revenue) · as at 2026 land-tax year / FY2026–27

How we use it. Site value + ownership type + other taxable land in that state. Trust/company and absentee are labelled approximations. Confirm on the official calculator.

Hold (buy), rent vs buy

General transfer duty. No first-home or PPR concession in the sketch

Source. State revenue transfer-duty schedules · as at FY2026–27 sketch

How we use it. Price in, general rates out. Link-out to the state calculator is the verification path.

Income by specialty

Occupation taxable income — average, median, headcount, ANZSCO code

Source. ATO Taxation statistics 2023–24, Individuals Table 15A, taxable income, Total, by occupation (ANZSCO 6-digit). Returns processed by 31 Oct 2025. · as at 2023–24 income year. Returns processed by 31 Oct 2025. File checked 11 Oct 2026.

How we use it. Individuals Table 15A, Sex = Total, taxable income. Not salary. Not split into public and private. Average and median only — percentiles are not in the table. Gynaecologist 253913 is the obstetrics and gynaecology row.

If you had invested

Calendar-year total returns in AUD: cash, gold, All Ords / VAS, S&P 500, Nasdaq-100 from 1985, HESTA Balanced from 1988

Source. RBA / bank-bill proxies; LBMA gold × AUDUSD; MLC All Ords / S&P; Nasdaq-100; HESTA MySuper dashboards · as at Weekly open-year stub 21 Sep 2026. Closed years frozen.

How we use it. No live pull. 1 January levels plus a weekly ‘today’ stub. Equities include dividends then ETF MER after listing. Visitors never hit an API.

Compare super funds

MySuper and Choice multi-sector net returns after fees and tax, one growth-asset band per tab. Quarter fee on $50,000. 2026 MySuper performance test where the fund name still matches

Source. APRA Quarterly Superannuation Product Statistics, Performance, June 2026. Tables 4a, 5a, 8a and 8b · as at 30 June 2026

How we use it. Balanced is the MySuper product with member assets summed across its stages. A lifecycle product shows the latest birth cohort with a five-year return, or the lowest age band. Conservative is the Choice multi-sector option in the 20–40% growth-asset band, Growth is 75–90%, High Growth is 90–100%. The pathway kept is the one with the most member assets via that pathway. Lifecycle stages are left off the Choice tabs. No option in the band is marked not in APRA data. Not a ranking.

Card spend, net of the fee

Ongoing annual fee, earn rate, statement cap, FX fee, purchase rate

Source. Issuer terms as frozen in our file — Amex, Qantas, ANZ, NAB, Latitude, ING-style no-fee · as at 21 Sep 2026

How we use it. Alphabetical list of frozen issuer terms. Click a column to sort. No apply button. Offers change; this file does not.

Jobs board

Specialty, state, location, advertised pay, conditions

Source. Public ads (hospital careers pages / locum boards) copied as a snapshot · as at 9 Oct 2026

How we use it. Apply on the source site. We do not take applications. Pay is advertised, not take-home.

Public hospital base, by state

Ordinary-hours base salary for the published grade you pick, in each state. Victoria is a weekly rate. A staff specialist row that is not in the agreement we use is not shown.

Source. The state instrument named on each row. Not another site’s compiled table. · as at Per-state effective date on the award page.

How we use it. Ordinary-hours base only. Base salary, full-time ordinary hours. Excludes super, allowances, overtime, penalties and salary packaging. Victoria’s annual figure is the weekly rate × 52.17857, rounded to the nearest dollar. Other states use the annual dollar in the file. Queensland is the level code only, with no added job title.

Public hospital benefits

Award base for the grade you pick, plus annual leave, sick leave, long service, professional-development leave and cash allowances. Regional extras only where the agreement states one figure.

Source. NSW medical officers award and PD2026_011; VIC doctors-in-training agreement; QLD MOCA7 and Queensland Health allowance page (1 Jul 2026); WA AMA Industrial Agreement 2024; SA 2025 agreement summary; Tasmanian medical practitioners award; ACT determination; NT Health incentives poster Aug 2025 · as at Oct 2026

How we use it. Blank where the clause was not read. A staff specialist row that is not published in the agreement we use is marked not published. Where the file has a rate, that rate is shown. Regional lines only where one figure is published. Salary packaging, overtime and penalties are excluded. Queensland super 12.75% is not stopped at the federal cap.

What the job costs

Medical Board annual registration, and college training and fellow subscriptions

Source. Medical Board fee schedule 1 Aug 2026; RACGP membership categories; RACP fees; RACS 2026 fee table; RANZCO VTP fees; ANZCA training fees; CICM 2026 fee schedule; ACEM fees page (dollar not extracted); RANZCOG fees; RANZCP 2026 fee schedule; RANZCR membership fees; RCPA 2026 training fees · as at 2026 schedules

How we use it. Yearly figure is registration plus the college only. Exams, courses, travel and specialty-society fees are named and not added. Indemnity is not priced: there is no MDO table on this page. NSW registration uses the $925 figure. A blank college cell was not on the public page.

Full-time dial

Take-home at a fraction of a typed full-time wage, employer-style super, and whether income plus super crosses the Division 293 line

Source. ATO resident tax rates FY2026–27; super guarantee 12% and the $250,000 Division 293 line; ordinary hours 38 × 52.18 from the award hourly method · as at FY2026–27

How we use it. The wage is what you type, not an award. Packaging is the hospital sketch with $9,000 of living expenses on the salaried slice only. A locum shift is eight hours at the rate you type, twelve times a year. Not a roster.

Locum or salary

Hourly rate where locum take-home plus super matches salaried take-home plus employer super

Source. ATO resident tax rates FY2026–27; super guarantee 12% and the maximum contribution base; ATO pages on personal services income and super for contractors · as at FY2026–27

How we use it. Unpaid weeks reduce locum weeks only. Indemnity is taken off after tax and is not treated as a deduction. Super is either inside the rate or on top, as toggled. Not advice to contract.

SIM plans, by carrier

Ongoing SIM-only / prepaid price, GB, roam ($/day or pack), network footprint

Source. Carrier pages (Telstra, Optus, Vodafone, Belong, Boost, ALDI Mobile) — not a comparison-site scrape · as at 21 Sep 2026

How we use it. Frozen ongoing prices. Intro deals omitted. 28-day prepaid × 365/28. Roam added on the days you type. Confirm CIS on the carrier.

A family list, and the official pages

Checklist only — no rates. Links out to SIS r 6.17A, SMSFD 2008/3, ITAA Div 128 / 302, state wills and EPOA, My Aged Care

Source. ATO, legislation.gov.au, state EPOA/wills pages, My Aged Care · as at FY2026–27

How we use it. No calculator. Official pages sit under each item. The statute wins.

When you can use your super

Preservation age by date of birth (55–60). Age 65 access whether working or not. Age Pension age, 67 if born on or after 1 January 1957

Source. ATO preservation age; Services Australia Age Pension age · as at Current law, checked 29 Sep 2026

How we use it. Dates only. No condition of release, no tax on the withdrawal, no pension amount.

Interest-only then principal; switching the loan

Standard monthly amortisation. Interest-only does not reduce the balance. Switch cost is cash, not added to the loan

Source. Same repayment formula as the mortgage page. Rates are typed, not a MoneySmart or lender table · as at Formula only

How we use it. One rate for the whole remaining term. The interest rate you type is an example assumption, not a lender rate and not the cash rate dressed up as a home-loan rate. Not a comparison rate, offset, or a reason to switch.

MBS item, appendicectomy

MBS item 30720 schedule fee from 1 July 2026. Earlier rows are labelled unchecked.

Source. MBS Online, item 30720 · as at 1 July 2026

How we use it. Only the 2026 fee is marked checked against MBS Online. Older nominal fees are not re-opened paper schedules.

Private school fees

The published 2026 annual fee for the year level shown, from that school’s own schedule.

Source. Each school’s own 2026 fee schedule, linked on its row, checked 15 Oct 2026. · as at 15 Oct 2026

How we use it. The dollar on a row is the figure on that school’s schedule. Compare Private Schools was used only as an index to find schedules. It is not the source of the dollar.

Each school’s own 2026 fee schedule, linked on its row, checked 15 Oct 2026.