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Teamz Lab LTD

Posted on • Originally published at tool.teamzlab.com

16 Free Finance Tools for Australia, NZ, Singapore & Switzerland

Tax season hits differently depending on where you live. I just built 16 free finance calculators for Australia, New Zealand, Singapore, and Switzerland — all running in your browser with zero signups.

Australia (5 tools)

Division 293 Tax Calculator

If your income + super contributions exceed $250K, you pay an extra 15% tax on super. This calculator shows exactly how much Division 293 tax you owe and whether salary sacrifice still makes sense.

Try it: Division 293 Tax Calculator

EOFY Tax Return Estimator

End of Financial Year is coming. This tool estimates your refund (or bill) using 2024-25 ATO rates — including the Stage 3 tax cuts, Medicare levy, and LMITO.

Try it: EOFY Tax Return Estimator

Investment Tax Calculator

Handles CGT discount (50% for assets held 12+ months), franking credits, and negative gearing. Enter your trades and see your net tax position.

Try it: Investment Tax Calculator

Redundancy Pay Calculator

Calculates tax-free and taxable components of your redundancy based on years of service, using ATO genuine redundancy thresholds.

Try it: Redundancy Pay Calculator

Super Co-Contribution Calculator

Earn under $60,400? The government matches your after-tax super contributions up to $500. This tool shows your exact co-contribution amount with the ATO phase-out formula.

Try it: Super Co-Contribution Calculator

New Zealand (3 tools)

Income Tax Calculator 2025-26

All 5 IRD brackets with ACC levy calculation. Handles multiple income sources and shows your effective tax rate.

Try it: NZ Income Tax Calculator

KiwiSaver Fund Selector

Compare Growth, Balanced, Conservative, and Default funds. Shows projected balance at 65 based on your age, salary, and contribution rate.

Try it: KiwiSaver Fund Selector

Rental Income Tax Calculator

Calculates tax on rental income including deductible expenses, ring-fencing rules, and brightline test implications.

Try it: NZ Rental Income Tax Calculator

Singapore (5 tools)

ABSD Calculator

Additional Buyer's Stamp Duty rates for citizens, PRs, and foreigners — updated for 2025 rates (up to 60% for foreign buyers).

Try it: ABSD Calculator Singapore

CPF FIRE Calculator

Planning early retirement in SG? This tool projects your CPF balances across OA, SA, and MA — factoring in BHS, FRS, and voluntary top-ups.

Try it: CPF FIRE Calculator

CPF Housing Withdrawal Planner

Shows how much you can withdraw from OA for your property, the accrued interest you'll need to refund, and impact on retirement adequacy.

Try it: CPF Housing Withdrawal Planner

HDB BTO Eligibility Checker

Check if you qualify for BTO based on citizenship, income ceiling, age, and family nucleus. Covers all scheme types.

Try it: HDB BTO Eligibility Checker

HDB Resale COV Estimator

Estimates Cash-Over-Valuation for HDB resale flats based on town, flat type, floor, and remaining lease.

Try it: HDB Resale COV Estimator

Switzerland (3 tools)

Pillar 3a Tax Savings Calculator

Shows your tax deduction from Pillar 3a contributions across all 26 cantons. The maximum deduction for 2026 is CHF 7,056 (employed) or CHF 35,280 (self-employed).

Try it: Pillar 3a Tax Savings Calculator

Swiss Inheritance Tax Calculator

Inheritance tax varies wildly by canton — Schwyz has zero, while other cantons charge up to 49%. This tool calculates your liability based on canton and relationship to the deceased.

Try it: Swiss Inheritance Tax Calculator

Swiss Wealth Tax Calculator

Switzerland taxes net wealth annually. Rates differ by canton and municipality. Enter your assets and debts to see your wealth tax across cantons.

Try it: Swiss Wealth Tax Calculator


All 16 tools are 100% free, run entirely in your browser, and require no signup. Your financial data never leaves your device.

Built with privacy in mind at Teamz Lab Tools — 1700+ free browser-based tools.


Originally published at https://tool.teamzlab.com

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