Food and groceries
Nutritious food can be expensive – these tools can help you work out what you need to stay healthy.
Average recommended number of serves calculator
Work out how many daily servings you need from each of the 5 food groups.
Quiz: how healthy are my habits?
Check in with your current habits and see where you might be able to improve your diet.
Health
Use these tools to estimate and compare health costs, check symptoms or find services nearby.
Worried about your health? Select a symptom, answer a few questions and get free, government-approved health information and advice.
Use the Health Direct service finder to locate a GP, pharmacist or other health service near you. Then use the ‘filter’ button and select ‘bulk billing only (no fees)’ to sort the results.
Use this Australian Government tool to find and understand costs for medical services in Australia.
Choice compares thousands of health insurance policies and gap coverage from 46 insurers. There is a fee for this service, but unlike other comparison sites, Choice does not earn a commission.
If you want some support for your mental health and wellbeing, but aren't exactly sure what that looks like, the Head to Health quiz can be a good starting point.
Energy and utilities
Use these free tools to find energy-efficient appliances for your home and business.
Compare electricity and gas retailers and find the right plan for your home or small business.
Estimate and compare the running cost and energy rating of common household appliances.
Housing
Use these tools and calculators to compare costs.
MoneySmart – savings calculator
Check how long it will take to reach your home deposit savings goal.
MoneySmart - mortgage switching calculator
Compare the cost of switching your mortgage.
MoneySmart - interest-only mortgage calculator
Work out your repayments before and after the interest-only period.
Check rent prices by NSW postcode using data from the Rental Bond Board.
Families and care
Use these free online services to work out how much help you’ll receive or money you’ll need to pay.
Find out what your family might pay for early childhood education and care.
Work out the amount of child care fee assistance you may receive when accessing in-home care.
Work out how much support you have available in your NDIS plan.
Find out how much you might have to pay towards your Home Care Package or aged care home.
Home Equity Access Scheme eligibility
Work out if you’re eligible to apply for a loan under the Home Equity Access Scheme.
Home Equity Access Scheme calculator
If you get the Age Pension, estimate how much you can borrow under the Home Equity Access Scheme.
Managing money
Use these free online services to model various repayments or work out if your income covers your expenses.
This budget template helps you work out where your money is going.
MoneySmart – credit card calculator
Work out how long it will take to pay off your card by making various repayments.
MoneySmart – retirement planner
This calculator helps you work out what income you're likely to get from super and the age pension when you retire.
ATO – YourSuper comparison tool
Compare super funds based on their fees and performance. You can also see how your personal super fund compares against others within your myGov account.
Work out your tax refund or debt estimate. It can be used for the 2015–16 to 2021–22 income years.
Transport, driving and fuel
Use these free online services to compare costs or work out the best way to move around.
Plan public transport trips from door to door, check service capacity and track your service in real time.
Filter by mode and choose 'community transport', then filter by region to find community transport in your area.
The Moneysmart Cars app can help you work out the real cost of buying and running a car.
Find a bike shed or locker near you.
Electric vehicle total cost of ownership calculator
Compare the 5-year cost of owning a petrol- or diesel-powered car compared with an electric vehicle.
Employment
Use these free tools to work out your taxes and more.
Money Smart – income tax calculator
The Money Smart calculator combines your income from multiple jobs to work out the marginal tax rate you should be paying.
Working under and ABN? Work out the amount of tax you should withhold from your pay.