About TaxLoanAU
Operated by SWIFT ACCOUNTANTS PTY LTD — free, ATO-verified financial calculators for everyday Australians. No sign-up. No hidden costs. Just accurate numbers.
Who We Are
TaxLoanAU is operated by SWIFT ACCOUNTANTS PTY LTD (ABN: 35 619 346 637), an Australian registered accounting firm based in Lakemba, NSW. We serve clients across Greater Sydney and regional Australia, providing professional accounting services alongside our free online financial tools.
Our calculators are built to reflect the exact figures published by the Australian Taxation Office (ATO) — including all tax brackets, Medicare levy thresholds, Low Income Tax Offsets, HECS-HELP repayment rates, and the superannuation guarantee. Every financial year, our team reviews and updates the underlying data to ensure accuracy.
These tools are provided as a public service for Australians who want to understand their finances without needing to pay an accountant for a simple calculation. They are not a substitute for personalised financial or tax advice — for that, we encourage you to speak with a registered tax agent or financial adviser.
Registered Business Details
- Legal Name
- SWIFT ACCOUNTANTS PTY LTD
- ABN
- 35 619 346 637
- Address
- Suite 6, Shop 2, 26 Haldon Street, Lakemba NSW 2195
- Phone
- (02) 8313 5507
- ABN Verification
- Verify on ABN Lookup
Data Sources & Methodology
Our calculators use official figures published by the Australian Government and the ATO. All tax calculations are independently verified against ATO tax withheld calculators before each release.
- ATOIncome Tax Brackets — 2023-24, 2024-25, and 2025-26 resident and non-resident rates, including Stage 3 tax cuts effective 1 July 2024. ATO source
- ATOMedicare Levy & Surcharge — 2% standard rate, income-tested low-income exemptions, and Medicare Levy Surcharge tiers for higher earners without private health insurance. ATO source
- ATOLow Income Tax Offset (LITO) — Maximum $700, phasing out between $37,500 and $66,667. ATO source
- ATOSuperannuation Guarantee — 12.0% from 1 July 2025. ATO source
- ATOHECS-HELP Repayment Rates — Compulsory repayment thresholds and percentages for 2025-26. ATO source
Editorial & Data Integrity Policy
TaxLoanAU is operated by a registered Australian accounting firm. Our editorial process is governed by a commitment to accuracy, transparency, and compliance with Australian law. All calculator logic and educational content is reviewed and approved by a qualified accountant before publication.
Annual Tax Rate Review
Each July, following the ATO's publication of the new financial year rates, all tax brackets, Medicare Levy thresholds, LITO phase-out ranges, and Superannuation Guarantee percentages are audited and updated. Users can verify our rates directly against the ATO source links on this page.
Legislative Change Monitoring
Our team monitors the Federal Budget, Treasury announcements, and ATO Tax Withheld Calculator releases throughout the year. Material changes — such as Stage 3 tax cuts or SGC rate rises — are applied within 14 days of taking legislative effect.
Calculator Verification Process
Before each release, all calculator outputs are cross-checked against the ATO's official Tax Withheld Calculator (tax.gov.au) for at least five test cases across the income spectrum. Any discrepancy triggers a review of the underlying formula before the update is published.
Content Review Cycle
Guide articles are reviewed at least once per financial year, or sooner if relevant legislation changes. The 'Last reviewed' date shown on each guide reflects the most recent editorial check — not just publication date — so users can assess recency of the information.
Scope of information: All content on TaxLoanAU is educational and general in nature. It is not tailored to any individual’s financial circumstances, investment objectives, or needs. Tax outcomes vary based on individual deductions, offsets, residency status, and other factors not captured in a calculator. Nothing on this site constitutes a tax return, financial product advice, or a representation by a registered financial adviser under the Corporations Act 2001.
Our Calculators
Salary & Tax Calculator
Calculate your exact take-home pay after income tax, Medicare levy, and LITO for any salary in Australia. Supports 2023-24, 2024-25, and 2025-26 financial years.
Hourly Rate Converter
Convert between hourly, weekly, fortnightly, and annual income. Useful for contractors, casuals, and anyone comparing job offers.
Superannuation Calculator
Calculate your employer super contributions based on the current 12% superannuation guarantee rate for 2025-26.
Home Loan Calculator
Calculate monthly mortgage repayments, total interest paid, and view your full amortization schedule for any loan amount, term, and interest rate.
Borrowing Power Calculator
Estimate how much you can borrow for a home loan based on your income, expenses, and existing debts — using standard Australian lending assessment criteria.
Interest Rate Comparison
Compare how different interest rates affect your monthly repayments and total interest paid side-by-side. See the real cost of each rate option.
Our Commitment
ATO-Verified Accuracy
All tax brackets, Medicare levy thresholds, LITO phase-outs, and superannuation rates are sourced directly from the Australian Taxation Office (ATO). We update calculations each financial year.
Privacy by Design
All calculations run entirely in your browser. We never transmit, store, or log the financial figures you enter. No account required.
Free and Independent
Our tools are completely free. We are supported by Google AdSense advertising, not by selling financial products or referral fees.
Mobile-First and Accessible
Fully responsive across mobile, tablet, and desktop. Designed to meet WCAG 2.1 accessibility standards so all Australians can use these tools.
Important Disclaimer
TaxLoanAU provides general information only and does not constitute financial, tax, or legal advice. Calculations are based on ATO 2025-26 rates and are estimates only. Individual circumstances vary. Always consult a registered tax agent or financial adviser for personalised advice. Operated by SWIFT ACCOUNTANTS PTY LTD (ABN: 35 619 346 637).
Have a Question or Correction?
If you spot an inaccuracy in our calculations or have a feature request, we want to know. Accuracy is our primary commitment.
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