The real cost of
life's biggest decisions
15 free calculators built on ABS and ATO data — plus a free AI advisor that explains your results and gives you a personalised action plan. No sign-up, no cost, ever.
Every calculator now has a free AI advisor built in
After you enter your numbers, ask the AI to explain what they mean — in plain English, with a specific action plan for your situation. Zero cost to you, ever.
Calculators
Pick your life event
Each tool covers a situation where the real cost surprises nearly everyone.
Remote Work True Cost Calculator
Commute savings, home office costs, meals, clothing — see your real annual net.
Salary Negotiation Calculator
See the lifetime earnings impact of negotiating and compare to BLS market benchmarks by field.
Debt Payoff Calculator
Avalanche vs. snowball comparison with your real debts — total interest saved and months to debt-free.
Emergency Fund Planner
Personalized target based on job stability, income type, and health situation — with savings plan.
Compound Interest Calculator
What a starting amount and monthly contributions grow to — split into what you paid in and what the market added.
FIRE Calculator
FIRE number, years to financial independence, Social Security impact, and portfolio projection.
Rent vs. Buy Calculator
True 5 & 10-year comparison with opportunity cost, appreciation, break-even timeline, and net wealth.
Wedding Cost Calculator
Itemized budget estimate by guest count, region, and style — with real data from 12,000+ couples.
Having a Baby True Cost Planner
State-specific year-one estimate: childcare, medical, gear, and parental leave lost wages.
Pet Cost Calculator
Year-one setup, annual recurring costs, and lifetime total — including the vet bills most people miss.
Car True Cost of Ownership
True 5-year cost: depreciation, insurance, fuel, maintenance, and financing. New vs. used vs. EV.
Home Buying True Cost Calculator
Closing costs, PMI, property taxes, HOA, insurance, and maintenance — the complete year-one picture.
College True Cost Calculator
Tuition, room & board, loan interest, and opportunity cost — the real 4-year total.
Chronic Illness Annual Cost Calculator
Beyond copays — medications, lost work, and lifestyle changes. The true annual burden.
Aging Parent Care Financial Planner
In-home care, assisted living, memory care — and the career impact on the family caregiver.
Navigate by life stage
Find tools for where you are in life
Why DecisionsCalc
Built differently
Real data sources
Every default value cites ABS and ATO, or peer-reviewed research — not a "reasonable estimate" from thin air.
100% private
Everything runs in your browser. We never see your numbers. No account, no tracking of your inputs, ever.
Ready in 2 minutes
Pre-loaded with national averages. Change only what applies to you. Results update instantly as you type.
Free AI analysis
Every calculator includes a free AI advisor — enter your numbers, click Analyse, and get a plain-English explanation plus 3 personalised action steps.
From the guide
Recent financial guides
Lifetime Health Cover Loading: The 2% a Year Rule
How LHC loading works — 2% a year over age 30, capped at 70%, removed after ten continuous years of cover — and whether joining before 31 is worth it.
Negative Gearing and the CGT Discount: What Changed
What the May 2026 Budget changed for Australian property investors: negative gearing restricted from July 2027, the CGT discount replaced, and who is exempt.
First Home Buyer Grants & Schemes in Australia (2026)
The federal 5% Deposit Scheme, Help to Buy, the First Home Super Saver and every state grant and stamp duty concession — what stacks, what does not.
Renting vs Buying in Australia (2026): The Real Numbers
The honest Australian rent-vs-buy comparison — deposit, stamp duty, LMI, strata and rates against rent and the opportunity cost of your deposit.
Cost of Having a Baby in Australia (2026): Full Breakdown
What a baby actually costs in Australia — public vs private birth, the 26-week Parental Leave Pay change from 1 July 2026, Child Care Subsidy.
How to Avoid the Medicare Levy Surcharge (2026-27)
Already know you are over the threshold? The practical guide to avoiding the MLS: what counts as appropriate hospital cover, the daily pro-rating rule.
Medicare Levy Surcharge 2026-27: Rates and Thresholds
The Australian Medicare Levy Surcharge for 2026-27 — the $105,000/$210,000 thresholds, the 1%/1.25%/1.5% tiers, what counts as income for surcharge purposes.
Superannuation Guarantee 2026-27: 12% and Your Pay
The super guarantee at 12% from July 2025 — what employers must pay, what 12% compounds to over a career, salary sacrifice, the $30,000 concessional cap.
Stamp Duty by State: The $20k–$40k Line on Your Settlement
Indicative transfer duty on a typical home in each state, the NSW/VIC/QLD first home buyer thresholds, and why the same price closes tens of thousands apart.
Private Health Insurance Rebate 2026: Tiers & Thresholds
The 2025–26 rebate tiers and income thresholds, Medicare Levy Surcharge rates, and the age-31 Lifetime Health Cover loading.
HECS-HELP Explained: What Your Uni Debt Really Costs
Income-contingent repayments, the CPI/WPI indexation cap, contribution bands, and when paying it down early actually makes sense.
The True Cost of Buying a Home: 6-Country Comparison (2026)
What it really costs to buy in the US, UK, Canada, Australia, Ireland and Switzerland — typical prices, deposit rules.
Free calculators. Free AI. Free PDF checklists.
Enter your numbers, get your real costs, ask the AI what they mean — and download a personalised checklist PDF. All free, always.