Most money tools are built to sell you something. Ours show you everything.
Going back to work, buying a car, refinancing, planning for retirement. Every big money decision comes with a calculator, and most are built by someone who's paid when you choose their option. They show you what you'll gain. They don't show you what it costs you, and they don't show you the better option they don't sell.
We start from your own numbers, count everything that changes, and show you every option with the catch included. Then the decision is yours.
Pick the question you have. Each one starts from your own numbers.
Our calculators are free to use.
Real results from our tools. Sometimes it's a better option they weren't shown. Sometimes it's the catch in the one they were sold, or one nobody mentioned.
A real South East Queensland bill, priced from its own usage, rates and solar against 24 retailers' plans. Across the 21 bills checked so far, BillCheck has found $9,276 of savings, $442 a year on average.
The ACCC found borrowers with home loans over ten years old were paying 1.04 points above the average new loan in 2020. On $500,000, a point is about $5,000 a year of interest. Your bank won't tell you.
A tradie on $90,000 with three kids, one from an earlier relationship, held off on $18,000 of equipment, thinking the business couldn't afford it yet. Writing it off cuts his tax, and because his income drops, their Family Tax Benefit and Rent Assistance go up, and the child support he pays goes down. All up, $14,221 comes back. A five-year loan costs $4,641 in the first year. Some of the money arrives at tax time rather than on the day, so plan for that.
A couple on $90,000 and $45,000 with two kids lease a $50,000 electric car for five years instead of buying it with a loan. Both figures already allow for the super the employer stops paying. The car is free of fringe benefits tax, but it still counts as family income, so their Family Tax Benefit is reduced and their Rent Assistance with it, by $1,553 a year. The same lease on a petrol car leaves them $10,646 ahead of buying it.
A single mum with two kids in childcare goes from four days a week to five. She expects to lose some of the extra $16,640 to tax. Tax takes $5,326, and her Parenting Payment stops, and her Family Tax Benefit and Rent Assistance are reduced, and she loses a $1,942 supplement for going over $80,000, and the extra day of childcare costs $1,513. She walks away with only $2,134 for the year: $5.13 an hour.
A couple on $90,000 and $40 an hour, two kids in long day care at $13 an hour. She goes from three days to four. The subsidy covers most of the new day, but their income has gone up, so it drops on the three days she already uses too. A childcare calculator shows that much: the 4th day costs $3,711 a year. It doesn't show that their Family Tax Benefit and Rent Assistance stop, another $3,295, or that tax takes $5,574. Of the extra $16,640 a year, they keep $4,060: about $10 an hour.
Most comparison sites are paid a commission when you switch. Someone pays for what's left out, and it's you.
That's a legitimate business, but it has an effect: the companies that pay get listed, and the ones that don't often aren't there at all. If the best plan for you is from a company that doesn't pay, you'll never see it.
Calculators work the same way. A novated lease calculator built by a lease provider shows you the tax you'll save. An independent review of 20 of them found 18 showed only that. It doesn't show you the residual you'll owe at the end, the super your employer stops paying, or the Family Tax Benefit you lose because the car counts as income.
We put all of it in: the whole market, your own numbers, and the catch. Then you decide.
A three-word slogan is easy to remember. It's also wrong for a lot of the people who hear it. Money works the same way. The simple answer fits on a banner, and the money it misses is yours.
And the real answer is often spread across people who never talk to each other. Your accountant does your tax. Centrelink does your payments. Child Support is a different agency again. Almost nobody adds them up for your family, and that's where the money is.
By you, not by the companies we compare. Some of our tools are free. The ones that work through your whole situation, every payment and every catch for your family, are paid. We never take a commission, a referral fee or a payment for sending you anywhere, so we gain nothing from which option you choose.
Businesses can also pay a flat fee to put our calculators on their own website. They can add their name. They can't take the catch out.
Most clients only hear about the tax deduction. Our calculators show what a purchase really does for the family: the GST back, the write-off, and the Family Tax Benefit, child care subsidy and child support that move when taxable income falls. They can go on your own website, in your colours, with your contact details right beside the result. The effect depends on the family, so every line is shown.
Show your clients what they really keep → · Talk to us about putting them on your site →
Parents want to know what care will really cost them. Our calculator shows them on your website, in your colours, with your phone number and a Book a tour button beside the result. It also shows the Family Tax Benefit, Rent Assistance and Parenting Payment their family could get, from one form.