--- title: "Financial Calculators - Sapience Financial" description: "From life insurance to investing, use these MoneySmart calculators to manage your money effectively and make informed financial decisions." url: "https://sapience.com.au/resources/financial-calculators" date: "2026-06-06T01:49:48+00:00" language: "en-GB" --- # Financial Calculators ![ links to Australian financial calculators](https://sapience.com.au/images/site-pics/financial-calculators-sapience-financial.jpg) Links to Australian financial calculators Reading Time: 2 minutes ## Financial Calculators ### These financial calculators are powered by the ASIC \*[MoneySmart](https://www.moneysmart.gov.au) website and can help provide clarity to achieve a financial goal. ### Life Insurance needs calculator - [Life Insurance needs calculator](https://moneysmart.gov.au/how-life-insurance-works/life-insurance-calculator) Determine if you may need life cover and how much you may need. ### Managing your Money - [Savings goals calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/savings-goals-calculator "Savings goals calculator") How long to reach your savings goals - [Compound interest calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/compound-interest-calculator "Compound interest calculator") What saving a regular amount achieves - [Income tax calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/income-tax-calculator "Income tax calculator") What's your take-home salary after tax and Medicare - [Your net worth calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/your-net-worth-calculator "Your net worth calculator") Measuring your current financial situation - [Budget planner](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/budget-planner "Budget planner") ### Borrowing and Credit - [Mortgage calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/mortgage-calculator "Mortgage calculator") How much will my repayments be? - [Mortgage switching calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/mortgage-switching-calculator "Mortgage switching calculator") Will you will save money by switching to another mortgage? - [Mortgage health check](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/mortgage-health-check "Mortgage health check") How well you are coping with your mortgage - [Personal loan calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/personal-loan-calculator "Personal loan calculator") How much will the repayments be? - [Credit card calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/credit-card-calculator "Credit card calculator") How much you'll save by making higher repayments ### Superannuation - [Retirement planner](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/retirement-planner "Retirement planner") How to boost your super - [Superannuation calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/superannuation-calculator "Superannuation calculator") How fees affect your payout - [Super contributions optimiser](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/super-contributions-optimiser "Super contributions optimiser") Which type of super contribution will give your super the biggest boost - [Super vs Mortgage calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/super-vs-mortgage-calculator "Super vs mortgage calculator") The effect of putting extra money into a mortgage or super? - [Super co-contribution calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/super-co-contribution-calculator "Super co-contribution calculator") For when you're looking to boost your super - [Employer contributions calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/employer-contributions-calculator "Employer contributions calculator") How much super you should be getting from your employer ### Retirement - [Retirement planner](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/retirement-planner "Retirement planner") What income you are likely to have from super and the age pension when you retire? - [Super and pension age calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/super-and-pension-age-calculator "Super and pension age calculator") Work out when you can get your super or apply for the Pension - [Account-based pension calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/account-based-pension-calculator "Account-based pension calculator") How long your super account pension last ### Investing - [Managed funds calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/managed-funds-calculator "Managed funds calculator") How fees and costs affect your investment - [Margin loan calculator](https://www.moneysmart.gov.au/tools-and-resources/calculators-and-apps/margin-loan-calculator "Margin loan calculator") Only for dedicated investors who actively monitor and manage their investments \*ASIC is the Australian government's Financial Services Regulator and MoneySmart is their consumer-facing website. ## Schema ```json { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "How accurate are these financial calculators?", "acceptedAnswer": { "@type": "Answer", "text": "Our financial calculators provide high-level estimates based on current Australian tax and insurance standards. While they are excellent for initial modeling and 'what-if' scenarios, we recommend a formal assessment with a Sapience advisor to confirm exact figures tailored to your specific clinical or financial situation." } }, { "@type": "Question", "name": "Why should I use an insurance calculator before applying?", "acceptedAnswer": { "@type": "Answer", "text": "Using an insurance calculator helps you understand the relationship between your required 'Sum Insured' and your cash flow. It allows you to visualize how much cover is needed to clear debt and protect your family's lifestyle, ensuring you aren't under-insured or paying for unnecessary cover." } } ] } ``` ```json { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home |", "item": "https://sapience.com.au" }, { "@type": "ListItem", "position": 2, "name": "Financial Calculators", "item": "https://sapience.com.au/resources/financial-calculators" } ] } ``` ```json { "@context": "https://schema.org", "@type": "Article", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://sapience.com.au/resources/financial-calculators" }, "headline": "Financial Calculators", "description": "Financial Calculators These financial calculators are powered by the ASIC *MoneySmart website and can help provide clarity to achieve a financial goal. Life Insurance needs calculator Life Insurance needs calculatorDetermine if you may need life cover and how much you may need. Managing your Money Savings goals calculatorHow long to reach your savings goals Compound interest calculatorWhat saving a regular amount achieves Income tax calculatorWhat's your take-home salary after tax and Medicare Your net worth calculatorMeasuring your current financial situation Budget planner Borrowing and Credit Mortgage calculatorHow much will my repayments be? Mortgage switching calculatorWill you will save money by switching to another mortgage? Mortgage health checkHow well you are coping with your mortgage Personal loan calculatorHow much will the repayments be? Credit card calculatorHow much you'll save by making higher repayments Superannuation Retirement plannerHow to boost your super Superannuation calculatorHow fees affect your payout Super contributions optimiserWhich type of super contribution will give your super the biggest boost Super vs Mortgage calculatorThe effect of putting extra money into a mortgage or super? Super co-contribution calculatorFor when you're looking to boost your super Employer contributions calculatorHow much super you should be getting from your employer Retirement Retirement plannerWhat income you are likely to have from super and the age pension when you retire? Super and pension age calculatorWork out when you can get your super or apply for the Pension Account-based pension calculatorHow long your super account pension last Investing Managed funds calculatorHow fees and costs affect your investment Margin loan calculatorOnly for dedicated investors who actively monitor and manage their investments *ASIC is the Australian government's Financial Services Regulator and MoneySmart is their consumer-facing website.", "image": { "@type": "ImageObject", "url": "https://sapience.com.au/images/site-pics/financial-calculators-sapience-financial.jpg" }, "publisher": { "@type": "Organization", "name": "Sapience Financial", "logo": { "@type": "ImageObject", "url": "https://sapience.com.au/images/brand-logo/sapience-financial-square-logo.png" } }, "author": { "@type": "Person", "name": "Drew Browne", "url": "https://sapience.com.au/resources/financial-calculators" }, "datePublished": "2022-05-17T15:28:22+10:00", "dateCreated": "2022-05-17T15:24:09+10:00", "dateModified": "2026-04-14T08:51:09+10:00" } ```