v2026.2.1

Smart answers for your finances

What are you trying to work out?

Pick the question you came for. Get the answer, the explanation behind it, the full working, and the source page each rate came from.

Not sure where to start? Try one of these:

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No account, no financial profile. Your calculation lives in the URL so you can share it. See how that works.

Medicare exemption valueFY 2026–27 · verified
$1,700per year
$85,000

Drag, or pick an amount.

36 of 38 confirmed at source

Proof before the promise

Before you trust the number, check the trail.

Every rate is dated against the office that publishes it. If we cannot verify a figure, we withhold it rather than guess.

See how verification works
36 / 38records verified
at source
One figure is visibly withheld until its source can be confirmed.
23 Aug 2026last
checked
The date a person last read the publishing office’s own page.
AU + NZpublished
rulesets
ATO, state revenue offices and IRD—not crowdsourced rates.
0answers
stored
No account, saved responses or financial profile.

Compare the same house

The same house, two states, a difference you can see now.

Same purchase price. Same buyer. Different state. Here is how that plays out at settlement.

Estimates only, on standard assumptions.

Calculate my stamp duty
$750,000
Buyer

Claimed every year, not once

The Medicare exemption most temporary residents never claim.

The Medicare exemption is claimed every year you hold a statement, not once — and a return can generally be amended for two years after assessment. Someone three years into a 482 who never claimed is $5,100 out of pocket.

Visa
Subclass 482
Passport
India
Salary
$85,000
Years here
3
Calculate my visa tax What claiming actually involves — four steps, and the one that voids it
482 · exemption across three years checked at source
$5,100
If none of those years was claimed
Exemption category 3

Verified components

Back in your pocket, each year
$1,700
Years still open to amendment
3
Income tax
−$16,020
Medicare levy · exemption applies
$0
Take-home this year
$68,980

The catch: if your spouse or child can use Medicare you lose all of it, not part. The same person with a Medicare-entitled spouse pays the full $1,700 levy, statement or not.

Four things people leave behind

The money nobody arrives looking for.

Each of these is a rule that repeats, or a deadline that closes, and none of them announce themselves. Every figure below is worked out by the same engine as the calculator it belongs to, on the assumption named beneath it.

$5,100 in Medicare exemption, across the years still open to amendment If you are on a temporary visa from a country with no reciprocal agreement $85,000, three years here, no Medicare-entitled dependants $24,739 in stamp duty, if the first home concession was never applied If you bought in New South Wales in the last five years $850,000, 2023–24, on that year's scale NZ$260.72 a year from the government, and it cannot be backdated after 30 June If your own KiwiSaver contributions fall short of the amount that earns it NZ$1,042.86 of your own money, employer contributions excluded 2% a year added to your premium for every year past 30, for 10 years If you are deciding whether to take hospital cover, and waiting Lifetime Health Cover, to a ceiling of 70%
Start with visa tax See all 5 calculators
Australia and New Zealand · 2026–27

Five questions, each with the full derivation.

Each answers one narrow, high-stakes question. Every figure below is computed live by the same engine the calculator uses.

Australia Visa tax & Medicare exemption

On a temporary visa, outside Medicare

Do I pay the Medicare levy on a temporary visa?

$5,100 if never claimed
482 visa, $85,000, three years
Work out mine
Australia Stamp duty

Buying property anywhere in Australia

What will I actually hand over at settlement?

$365.46 at settlement
NSW, $750,000, first home
Work out mine
Australia Take-home pay

Offered a package, want the pay figure

What lands in my account each pay?

$3,503 a fortnight
$120,000 plus super, fortnightly
Work out mine
Australia Medicare levy surcharge

Entitled to Medicare, holding no cover

Does hospital cover cost me less than the surcharge?

$1,150 a year
Single, $115,000, no cover
Work out mine
New Zealand NZ PAYE & KiwiSaver

Employed in New Zealand

What does my employer really put into KiwiSaver?

NZ$2,408 a fortnight
NZ$85,000, 3.5%
Work out mine