Every number in a MoneyWiseCalc calculator traces back to an official government source. This page explains where our data comes from, how often we verify it, and what to do if you spot something wrong.
MoneyWiseCalc is built and maintained by a small Australian team that develops and verifies every calculator directly against primary sources — the ATO, the RBA, all eight state and territory revenue offices, and Housing Australia. We are not a lender, broker or financial adviser, and we don't accept payment to alter calculator results. How the site makes money is disclosed on our About page.
We use primary official sources only — never third-party aggregators — for every rate, threshold, bracket and concession:
| Topic | Primary sources |
|---|---|
| Income tax & capital gains tax | ATO — Tax rates for Australian residents · ATO — CGT discount, cost base and CGT events |
| HELP / HECS repayments | ATO — Study and training support loan rates |
| Interest rates | RBA — Cash rate target · RBA — Lenders’ interest rates |
| Stamp duty — NSW | Revenue NSW — Transfer duty |
| Stamp duty — VIC | State Revenue Office Victoria — Land transfer duty rates |
| Stamp duty — QLD | Queensland Revenue Office — Transfer duty rates |
| Stamp duty — WA | WA Government — Transfer duty assessment |
| Stamp duty — SA | RevenueSA — Rate of stamp duty |
| Stamp duty — TAS | State Revenue Office Tasmania — Rates of duty |
| Stamp duty — ACT | ACT Revenue Office — Conveyance duty |
| Stamp duty — NT | NT Government — Stamp duty |
| First home buyer schemes | Housing Australia — Home Guarantee Scheme |
Each calculator shows its last-updated date at the top of the page, and the stamp duty engine carries an internal version number and per-state source citations with retrieval dates.
18 July 2026: Full FY2026-27 review completed against official sources for all eight states and territories. Applied: NSW transfer duty bracket indexation (1 July 2026); end of the Tasmanian first home buyer duty exemption (30 June 2026); the ACT Home Buyer Concession Scheme becoming uncapped with no income test (1 July 2026); Queensland first home concession full-relief boundary at $709,999; Victorian principal-place-of-residence concessional rates for homes up to $550,000; a correction to the Northern Territory duty formula for values under $525,000; the 2026-27 income tax rate change (16% bracket reduced to 15%); and indexed 2026-27 HELP repayment thresholds ($69,528 minimum). Default interest rates aligned to July 2026 RBA and market data.
April 2026: Capital gains tax calculator launched with 2025-26 resident tax rates, the 50% discount and pre-1999 indexation comparison, verified against ATO guidance and ABS CPI series. All calculators moved to server-rendered inline output.
March 2026: LMI premium bands, offset and refinance calculators reviewed. Stamp duty engine versioned with per-state source citations and retrieval dates.
If you believe a rate, threshold or calculation is wrong, email contact@moneywisecalc.com.au with the calculator, your inputs and the source you're comparing against. Verified errors are corrected as a priority and noted in the log above. See also our full data sources page.
MoneyWiseCalc provides general information and estimates only. Results depend on the accuracy of your inputs and on simplifications documented on each calculator page. They are not financial, tax, credit or legal advice, and final figures — especially stamp duty concessions and tax outcomes — should be confirmed with the relevant government authority or a licensed professional before you act.