FREE FINANCIAL TOOLS AND SUPPORT
Practical Australian Government and government-funded resources to help you budget, save, manage debt and plan for the future.
BUDGETING AND FINANCIAL CLARITY
Moneysmart Budget Planner
See where your money is going, compare income with expenses and build a workable household budget. An Excel version is also available.
Simple Money Manager
A simpler budgeting tool available in English and a range of community languages.
Cost-of-Living Help
Practical guidance for reducing expenses, managing bills and finding available support.
Net Worth Calculator
List what you own and what you owe to understand your current financial position.
SAVING AND BUILDING A BUFFER
Savings Goals Calculator
Calculate how much you need to save regularly—or how long it may take—to reach a savings goal.
Compound Interest Calculator
See how an initial investment and regular contributions could grow over time through compound interest.
How to Start Saving
Simple steps for beginning a savings habit and building an emergency fund.
LOANS AND DEBT CALCULATORS
Personal Loan Calculator
Estimate repayments, borrowing capacity and how extra repayments could reduce your loan.
Credit Card Calculator
Compare minimum repayments with higher repayments and see the potential time and interest saved.
Mortgage Calculator
Estimate home-loan repayments, borrowing capacity and the impact of making additional repayments.
Mortgage Switching Calculator
Estimate whether refinancing could save money after considering switching costs.
FREE DEBT HELP
National Debt Helpline
Free, independent and confidential support from qualified financial counsellors.
Call: 1800 007 007
Financial counsellors can help you understand your situation, prepare a budget, negotiate with creditors and consider your available options. The service receives government funding and does not charge for financial counselling.
Find a Financial Counsellor
Locate a free financial counselling service in your area.
Moneysmart: Managing Debt
Guidance on reducing debt, hardship arrangements, debt collectors, credit reports and debt agreements.
Get Debt Under Control
Practical first steps for listing debts, prioritising repayments and creating a plan.
Financial Hardship Assistance
Information about requesting reduced repayments, payment plans or other hardship support from a lender.
Problems Paying Bills or Fines
Help with utilities, phone bills, council rates, insurance, fines and other essential expenses.
Problems Paying Your Mortgage
Steps to take if you are struggling with home-loan repayments, including contacting your lender’s hardship team.
Urgent Help With Money
Contacts for urgent assistance with food, housing, bills and financial crisis support.
No Interest Loans
Information about no-interest loans for eligible people needing essential goods and services.
Compare Personal Insolvency Options
Official information from the Australian Financial Security Authority about debt agreements, personal insolvency agreements and bankruptcy. Seek free financial counselling before making an insolvency decision.
TAX, SUPER AND RETIREMENT
Income Tax Calculator
Estimate Australian income tax, Medicare levy and take-home income.
Superannuation Calculator
Estimate your future super balance and see how fees and investment performance may affect it.
Retirement Planner
Estimate your potential retirement income from superannuation and the Age Pension.
Super and Pension Age Calculator
Check when you may be able to access super and become eligible for the Age Pension.
GOVERNMENT PAYMENTS AND INFORMATION
Services Australia Payment Finder
Estimate possible Centrelink payments, Family Tax Benefit and childcare assistance.
Financial Information Service
A free Services Australia service providing education and information about financial matters, government payments and planning for the future.
CHECKING ADVICE AND AVOIDING SCAMS
Financial Advisers Register
Check whether a financial adviser is registered and authorised to provide personal financial advice.
Scamwatch
Learn how to identify financial scams and protect your money and personal information.
Report a Scam
Report suspected scams to the National Anti-Scam Centre. Contact your bank immediately if money or financial information has been compromised.
IMPORTANT NOTE
These tools provide general information and estimates. They do not account for every personal circumstance and are not a replacement for professional financial, legal or tax advice.
Financial counselling through the National Debt Helpline is free. Be cautious of businesses charging fees to negotiate debts, repair credit reports or provide “quick-fix” debt solutions.