Built for Australians
Your real take-home,
every grant, and your
20-year plan.
After tax, HECS, and Medicare — see what you actually take home. Every government grant you qualify for. And where your money goes over 20 years. Personalised in under 2 minutes. Free.
Your 20-year outcome
$2,084/month surplus · 7% p.a.
CASH
2% p.a.
$629k
HISA
4.5% p.a.
$834k
ETF
7% p.a.
$1.13m
Investing beats cash by
+$500k
Monthly surplus
$2,084
Weekly take-home
$1,289
Example · $85k income · $3.5k/month expenses
Government money most Australians leave on the table
$30,000
Max state grant for new home buyers
Queensland — $10k–$20k in other states
5%
Minimum deposit via First Home Guarantee
No LMI — saves up to $30k on a $700k home
$50,000
Max withdrawal from super for a deposit
Via First Home Super Saver Scheme
What Clarow covers
Everything in one place — no spreadsheets, no accountant, no guesswork.
After income tax, Medicare levy, and HECS repayments — not what your contract says. Most people are surprised by how much less (or more) they actually have.
FHBG (5% deposit, no LMI), FHSS ($50k from super for a deposit), state grants up to $30k — most Australians qualify for schemes they've never heard of.
See your monthly surplus grow across a savings account, HISA, and ETF — side by side — so the right choice is obvious. Based on your actual numbers.
Free calculators
Run the numbers on any financial decision in under 60 seconds.
Take-Home Pay
See your exact weekly, fortnightly and monthly pay after income tax, Medicare levy, HECS, and MLS.
Try calculator →Tax Return
Estimate your refund or bill before you lodge. Includes WFH 67c/hr, franking credits, HECS, and MLS.
Try calculator →Side Hustle
See the tax on your freelance or gig income, GST threshold, and how much to set aside each quarter.
Try calculator →Redundancy
Calculate your exact take-home after a redundancy package — tax-free amount, ETP tax, and notice pay.
Try calculator →Franking Credit
See how Australian dividend imputation works for your bracket — including ATO cash refunds.
Try calculator →First Home Buyer
Which grants you qualify for (FHBG, FHSS, state grants) and how much you can borrow.
Try calculator →Mortgage Repayment
Monthly repayments, total interest, LMI estimate, and fortnightly savings.
Try calculator →Stamp Duty
Stamp duty for all Australian states with first home buyer exemptions for 2025–26.
Try calculator →Rent vs Buy
Compare buying vs renting and investing the deposit — including the 2027 CGT impact.
Try calculator →Negative Gearing
After-tax cost of an investment property and the 2027 rule change on your position.
Try calculator →Investment Property
Gross yield, net yield, weekly cashflow, tax benefit, and 10-year total return.
Try calculator →Salary Sacrifice
How much tax you save by contributing more to super and how it compounds over decades.
Try calculator →Super Retirement
Project your super balance at retirement and see your annual drawdown income.
Try calculator →CGT 2027 Deadline
Compare CGT under the old 50% discount vs the new indexation rules from 1 July 2027.
Try calculator →Savings Goal
Set a target, enter monthly savings, and see how long it takes with compound growth.
Try calculator →HECS Payoff
Your exact HECS payoff year, annual repayment, and the true cost of indexation.
Try calculator →Parental Leave
Government PPL income, monthly shortfall, childcare costs after CCS, and super impact.
Try calculator →Novated Lease
Compare buying an EV outright vs salary packaging — monthly saving, GST benefit, and total cost.
Try calculator →May 2026 Federal Budget
Three changes that affect almost every Australian worker — all reflected in your Clarow numbers automatically.
1 July 2026
Income tax cutThe second bracket drops from 16% to 15% — worth up to $268/yr. Falls again to 14% in 2027–28. Clarow uses the correct rates automatically.
2027–28
Work & Training Tax OffsetNew $250/yr offset for Australians earning $10k–$125k. Applied automatically at tax time — nothing to claim separately.
1 July 2027
CGT discount deadlineThe 50% CGT discount disappears for assets bought after this date. If you're planning to invest, the clock is running. Clarow shows you the impact.
How it works
Three steps to financial clarity.
Answer 4 questions
Income, savings, goal, location. Takes under 2 minutes. No account needed.
Get your snapshot
Real take-home, monthly surplus, and which grants apply to your situation.
Explore your plan
ETFs, grants, property, CGT, super — with 20-year projections built into every tab.
Stay updated
New features land every week.
Tax changes, new grant data, and product updates — we'll let you know when something affects your numbers.
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