Methodology & data sources
Our calculators use the same calculation engine as the PFO app, so a number here matches the app. Figures are current as at 2026-07-04 and re-verified at each state budget and 1 July.
Sources at a glance
| What we calculate | Primary source | Reviewed |
|---|---|---|
| Income tax brackets, LITO, Medicare levy & surcharge | ATO | Each 1 July |
| HECS / HELP thresholds & marginal rates | ATO | Each 1 July |
| Transfer-duty scales & first-home concessions (8 states) | State revenue offices | Each state budget |
| First Home Owner Grants | State revenue offices | Each state budget |
Income tax
Resident, foreign-resident and working-holiday brackets, the Low Income Tax Offset, the Medicare levy (with its low-income shade-in) and the Medicare Levy Surcharge for FY 2026-27, sourced from the ATO. It reflects the legislated 15% second bracket from 1 July 2026.
Stamp duty
Transfer-duty scales, first-home-buyer concessions and First Home Owner Grants for all eight states and territories, each sourced from its own revenue office (linked on every calculator). The NT uses its published quadratic formula below $525,000.
What we don't model
Owner-occupier vs investor schedules where a state runs both, off-the-plan concessions, foreign-buyer surcharges, and pending/unlegislated changes are flagged per state but not always modelled — always confirm with the linked revenue office before you commit.
Disclaimer
Everything here is general information only and an estimate — not personal financial, tax or legal advice. Verify important decisions with a registered tax agent or licensed adviser.