Free Money Calculators for Australians

Tools for the money questions that come up between paydays. Work out your take home pay, plan a budget, set an emergency fund target, or see what borrowing would actually cost before you apply.

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OUR CALCULATORS

Every calculator, in one place

Pick the one that matches the question you are asking. Each one is free, uses Australian pay cycles and current figures, and gives you an estimate without asking for an email address first.

Which calculator do you need?

Eight tools, three jobs: seeing what you actually have, building a buffer, and checking what borrowing costs before you commit to it.

To see what you actually have, the Income After Tax Calculator turns a salary into the figure that lands in your account on the 2026-27 rates, the Payday Calculator maps your pay dates for the year ahead including the two months that carry a third fortnightly pay, and the Budget Calculator puts income and expenses onto the same cycle so what is left is a real number rather than an optimistic one. To build a buffer, the Emergency Fund Calculator sets a target from your actual essential expenses and tells you the date you would reach it at the rate you can save, and the Super Contribution Calculator shows what an extra contribution costs you now and what it adds to your super. To check the cost of borrowing, the Pay Advance Calculator and the Personal Loan Calculator show the setup fee, the interest and the repayment schedule up front, and the Loan Comparison Calculator puts two loans side by side on the same terms, because the smaller repayment and the smaller total are often not the same loan. Every calculator here produces an estimate. None of them is an application, none of them is an approval, and none of them is financial advice. On any credit product, the figure that governs what you repay is the one in your contract.

OUR LOANS

Find a loan that fits

Beforepay has a loan to suit almost any occasion, whether you need a little extra for a sudden expense or are planning for something bigger.

SHORT TERM

Beforepay Pay Advance

Need cash before payday? Get money in your account in as little as 5 minutes.

Borrow $50–$2,000†

Repay within 62 days

Approved in under 60 seconds

BEST FOR

Covering unexpected bills, rent shortfalls, or bridging the gap until your next paycheck.

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LONG TERM

Beforepay Personal Loan

Larger expenses on the horizon? Get bigger amounts and longer to repay with Personal Loan.

Borrow $2,001–$5,000†

3-12 month terms§

Competitive interest rate‡

No hidden fees ever

BEST FOR

Car repairs, medical bills, moving costs, travel, or any larger purchases you want to pay off over time.

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How it works

A fast loan is only 3 steps away.

Create your account

Getting started is simple - sign up online or download the Beforepay app.

Connect your bank

Connect your bank account to explore your loan options or use Beforepay's money tools.

Choose your loan

Borrow up to $2,000 with Pay Advance or apply for a Personal Loan of up to $5,000. Eligibility criteria applies.

Create your account

Getting started is simple - sign up online or download the Beforepay app.

Connect your bank

Connect your bank account to explore your loan options or use Beforepay's money tools.

Choose your loan

Borrow up to $2,000 with Pay Advance or apply for a Personal Loan of up to $5,000. Eligibility criteria applies.

ACTUAL REAL PEOPLE

Chosen by Over 2M Aussies

Plan, track, compare, and save with Beforepay’s free finance tools.

Eligibility

Borrowing that fits your life.

We check your income and expenses to make sure repayments fit your budget, with clear terms and no surprises.

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Be an Australian resident aged 18 or older.

Have a current Australian driver’s licence, passport, or Medicare card.

Maintain employment and receive a regular wage.

Less than 51% of your income comes from Centrelink.

Have no other active Beforepay loans.

You meet our borrowing requirements.

Applications are typically approved in under 60 seconds, though some applications may require additional review.

† Approved loan amounts are subject to Beforepay’s lending criteria and verification requirements.

‡ Comparison rate calculated on a $2,500 loan over a 2-year term.

‡ WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or loan amounts may result in a different comparison rate.

Terms and conditions apply. All applications are subject to credit assessment, eligibility criteria and lending limits. Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser. BPG Credit Pty Ltd, ABN 59 673 570 575, Australian Credit Licence 554659, is the credit provider for Beforepay Personal Loans. Beforepay Pay Advance is offered by Beforepay Finance Pty Ltd, ABN 45 636 670 525. Both entities are subsidiaries of Beforepay Group Limited, ABN 63 633 925 505. Level 9, Suite 1, 77 Castlereagh Street, Sydney NSW 2000. Beforepay Group Limited and its Beforepay goods and services are in no way sponsored, approved or affiliated with Quadpay Inc., Openpay Pty Ltd, Afterpay Pty Ltd, ZipMoney Payments Pty Ltd and their associated entities/affiliated companies. Bank logos and trademarks are the property of their respective owners and are used for identification purposes only. No endorsement or affiliation is implied.