← All calculators
Calculators
Parental Leave Calculator
Work out your funding position for the purchase, then see how your household cash flow looks, month by month, while you're on leave.
Calculators
Work out your funding position for the purchase, then see how your household cash flow looks, month by month, while you're on leave.
What you'll need at settlement, and the loan amount that results.
If eligible, first-home-buyer stamp duty concessions are applied automatically for your state.
Auto-estimated for your state — you can overwrite it.
Auto-estimated title registration & transfer lodgement fees for your state — you can overwrite it.
Offset funds reduce the interest-bearing balance used for the repayment estimate below.
The buffer you'd like left over after settlement — this is deducted from your current savings to confirm the loan amount, and becomes your starting balance for the leave projection below.
We'll use these to work out a fixed monthly cost for the household.
Repayments are estimated on a 30 year loan term.
Estimated net pay: $0/month after tax.
Your leave timeline
Calculated automatically from today's date to your leave start date above.
Cover your whole remaining time off here, right through to when you return to work.
Estimated net pay: $0/month after tax.
If no, we'll assume they stay on full pay the whole time.
Their leave timeline
Cover their whole remaining time off here, right through to when they return to work.
Eligibility is worked out automatically from the government's income test: your own income against $186,487, or your combined income against $386,525 if you don't meet the first test.
Up to 26 weeks, paid at $1,004.70/week before tax. We tax this at your own rate and spread the net amount across your lower / no-pay months.
How your household cash flow looks through the leave period.
| Month | Income | Costs | Gap | Savings |
|---|
This calculator is general information only and doesn't take into account your objectives, financial situation or needs. Stamp duty and state registration/transfer fees are approximate estimates based on standard owner-occupier rates, are indexed and vary by lender/lodgement, so always confirm the exact figures with your conveyancer or state revenue office. Net pay estimates use current resident tax rates plus a flat 2% Medicare levy, and don't account for the Medicare Levy Surcharge, HELP/HECS repayments, salary sacrifice, or the Medicare levy low-income reduction. Paid Parental Leave rates and income thresholds are set by the Australian Government, are indexed each year and are shown here as a guide only — always confirm your eligibility and entitlement at Services Australia. Not tax, legal or credit advice.