Statutory rules in our calculators — tax rates, stamp duty, fees and government schemes — come from the official government source. Some inputs aren't published by any government, such as LMI premiums and borrowing power settings; we label those as estimates or model assumptions. This page lists every source, when we last checked it, and what to do if you spot something wrong.
MoneyWiseCalc is built and maintained by a small Australian team that checks the rules in every calculator against primary sources — the ATO, the RBA, APRA, all eight state and territory revenue offices and land titles offices, and firsthomebuyers.gov.au. 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 don't use third-party aggregators for statutory rules. Every input falls into one of three groups:
Tax rates, stamp duty, registration fees, HELP thresholds, lending regulation and government schemes, taken from the government body or regulator that sets them.
| What | Source | Last checked |
|---|---|---|
| RBA cash rate target (Official government source) | RBA — Statement by the Monetary Policy Board, 29 September 2026 | 29 Sept 2026 |
| APRA mortgage serviceability buffer (Regulator) | APRA — macroprudential settings confirmed 28 May 2026 | 1 Oct 2026 |
| APRA high debt-to-income lending limit (Regulator) | APRA — macroprudential settings confirmed 28 May 2026 | 1 Oct 2026 |
| Resident individual income tax rates 2022–23 to 2026–27 (Official government source) | ATO — Tax rates: Australian residents | 1 Oct 2026 |
| Medicare levy (Official government source) | ATO — Tax rates: Australian residents (rates exclude the 2% Medicare levy) | 1 Oct 2026 |
| Study and training loan (HELP) compulsory repayment thresholds 2026–27 (Official government source) | ATO — Study and training support loans rates and repayment thresholds (table 1) | 1 Oct 2026 |
| CGT discount (12-month holding rule; losses applied before the discount) (Legislation) | ATO — CGT discount | 1 Oct 2026 |
| CPI index numbers for the CGT indexation method (frozen at September 1999) (Official government source) | ATO — Consumer price index for the indexation method | Not yet re-checked |
| Australian Government 5% Deposit Scheme — deposits, eligibility and price caps (Official government source) | firsthomebuyers.gov.au — 5% Deposit Scheme FAQs and property price caps | 1 Oct 2026 |
| Help to Buy — income thresholds and contribution limits (Official government source) | firsthomebuyers.gov.au — Help to Buy income and threshold updates 2026–27 | 1 Oct 2026 |
| Help to Buy property price caps (differ from the 5% Deposit Scheme in NSW and NT) (Official government source) | firsthomebuyers.gov.au — Help to Buy property price caps | 1 Oct 2026 |
| Help to Buy Government contribution and combination rules (Official government source) | Help to Buy Scheme Customer Guide, version 260701 | 1 Oct 2026 |
| NSW transfer duty, concessions and first home buyer rules (Official government source) | Revenue NSW — Transfer duty; First Home Buyers Assistance Scheme | 30 Sept 2026 |
| VIC transfer duty, concessions and first home buyer rules (Official government source) | State Revenue Office Victoria — Land transfer duty | 30 Sept 2026 |
| QLD transfer duty, concessions and first home buyer rules (Official government source) | Queensland Revenue Office — Transfer duty rates | 30 Sept 2026 |
| WA transfer duty, concessions and first home buyer rules (Official government source) | WA Department of Treasury and Finance — Transfer duty | 30 Sept 2026 |
| SA transfer duty, concessions and first home buyer rules (Official government source) | RevenueSA — Rate of stamp duty | 30 Sept 2026 |
| TAS transfer duty, concessions and first home buyer rules (Official government source) | State Revenue Office Tasmania — Rates of duty | 30 Sept 2026 |
| ACT transfer duty, concessions and first home buyer rules (Official government source) | ACT Revenue Office — Conveyance duty | 30 Sept 2026 |
| NT transfer duty, concessions and first home buyer rules (Official government source) | NT Government — Stamp duty; Stamp Duty Act 1978 Schedule 1 | 30 Sept 2026 |
| NSW transfer and mortgage registration fees (Official government source) | NSW Land Registry Services — 2026/27 fees | 30 Sept 2026 |
| VIC transfer and mortgage registration fees (Official government source) | Land Services Victoria — Transfer of Land Act fees 2026-27 | 30 Sept 2026 |
| QLD transfer and mortgage registration fees (Official government source) | Titles Queensland — FY2026/27 fees | 30 Sept 2026 |
| WA transfer and mortgage registration fees (Official government source) | Landgate — transfer lodgement fee calculator (from 1 July 2026) | 30 Sept 2026 |
| SA transfer and mortgage registration fees (Official government source) | Real Property (Fees) Notice 2026 — SA Government Gazette No. 27, 14 May 2026 | 30 Sept 2026 |
| TAS transfer and mortgage registration fees (Official government source) | Land Titles Office Tasmania — fees from 1 July 2026 | 30 Sept 2026 |
| ACT transfer and mortgage registration fees (Official government source) | Access Canberra — Land title fees (from 1 July 2026) | 30 Sept 2026 |
| NT transfer and mortgage registration fees (Official government source) | NT Land Titles Office — Forms and fees | 30 Sept 2026 |
Average lending rates published by the Reserve Bank of Australia. We use these as starting values; they are not a quote from any lender.
| What | Source | Last checked |
|---|---|---|
| Average rate on new owner-occupier variable loans (RBA table F6) | RBA Statistical Table F6 — Housing lending rates (July 2026) | 29 Sept 2026 |
Figures that no government publishes — LMI premiums (set by insurers and lenders) and the settings in our borrowing power model. We choose these ourselves, label them as estimates, and let you change most of them in the calculator.
| What | Source | Last checked |
|---|---|---|
| Default variable rate in calculators (MoneyWiseCalc model assumption) | RBA F6 new owner-occupier variable (6.2%, July 2026) plus the 0.25pp cash-rate increase of 29 Sep 2026 | 29 Sept 2026 |
| Default "new loan" rate in the refinance calculator (MoneyWiseCalc model assumption) | Illustrative 0.20pp below DEFAULT_VARIABLE_RATE | 29 Sept 2026 |
| Default interest rate for high-LVR loans in the LMI calculator (MoneyWiseCalc model assumption) | RBA F6 new owner-occupier variable, LVR 81% or more (6.3%, July 2026), plus the 0.25pp cash-rate increase of 29 Sep 2026 | 29 Sept 2026 |
| Debt service ratio cap (MoneyWiseCalc model assumption) | MoneyWiseCalc model setting (user-adjustable 25–45%) | Not yet re-checked |
| Share of after-tax surplus available for the mortgage (MoneyWiseCalc model assumption) | MoneyWiseCalc model setting | Not yet re-checked |
| Credit card limit assessed as a monthly commitment (MoneyWiseCalc model assumption) | Common Australian lender practice (3–3.8%); MoneyWiseCalc uses the upper end | Not yet re-checked |
| Shading of bonus, overtime and rental income (MoneyWiseCalc model assumption) | MoneyWiseCalc model setting | Not yet re-checked |
| Minimum assessment rate (MoneyWiseCalc model assumption) | MoneyWiseCalc model setting (lenders set their own floors) | Not yet re-checked |
| Living expense benchmarks by household (not lender HEM) (MoneyWiseCalc model assumption) | MoneyWiseCalc conservative estimates; HEM itself is licensed and not published | Not yet re-checked |
| LMI premium rates by LVR band and loan size (Insurer-based estimate) | Helia LMI fee estimator (public) — 105 scenarios sampled 1 Oct 2026; table v2-2026-10-helia | 1 Oct 2026 |
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.
1 October 2026: Corrections: the capital gains tax calculator now applies the resident tax rates for the income year of the sale (previously 2026-27 rates for every sale date), and its 12-month discount test now excludes the purchase and sale days as the ATO requires (previously a sale on the anniversary date was treated as eligible). The borrowing power calculator's net income surplus test now uses after-tax income (previously gross income), which lowers estimates for some lower-income and larger households; its HELP repayment band for 2026-27 now matches the ATO table exactly. Email-result previews no longer show sample figures from other calculators. References to the First Home Guarantee were updated to the Australian Government 5% Deposit Scheme, with price caps and Help to Buy 2026-27 income limits checked against firsthomebuyers.gov.au. This page now separates official rules from market data and from our own model assumptions.
30 September 2026: Stamp duty rules for all eight states and territories re-checked against revenue office publications, with first home buyer results cross-checked against the Revenue NSW and SRO Victoria online calculators. Updated: Western Australia's first home owner rate from 7 May 2026 (no duty to $600,000, $16.15 per $100 to $800,000) and its concessional rate for principal residences up to $200,000; the NSW First Home Buyers Assistance Scheme formula between $800,000 and $1m; separate ACT owner-occupier and non-owner-occupier rate tables; and Victorian first home buyer rounding. Confirmed unchanged: NSW 2026-27 brackets, Victorian general and PPR rates, Queensland rates and concessions, Tasmanian rates (no first home buyer relief after 30 June 2026), SA new-home-only relief with no value cap, ACT concession scheme without price cap or income test, and NT (no first home buyer duty concession). Stamp Duty Index 2026-27 first home buyer table corrected. Land registration (transfer and mortgage) fees for 2026-27 are now verified for all eight jurisdictions against land titles office schedules, including Victoria's new capped transfer fee, Landgate's value bands, South Australia's Real Property (Fees) Notice 2026 and the NT Land Titles Office fees. The NT duty formula and thresholds were confirmed against Schedule 1 of the Stamp Duty Act 1978 (NT), and states whose legislation charges duty "per $100 or part" (NSW, Queensland, WA, SA, Tasmania and the ACT) now round up accordingly, with the NSW $20 minimum applied.
29 September 2026: Home loan repayment calculator: default and preset rates moved to RBA averages for new loans (July 2026, table F6) plus the 0.25% cash rate rise to 4.60% effective 30 September 2026; named bank product rates removed as they could not be verified. Correction: Queensland owner-occupier stamp duty now uses the home concession rate (previously the general rate, overstating duty) and the first home concession uses QRO's stepped bands — the Stamp Duty Index 2026-27 Queensland figures were corrected accordingly. 2026-27 land registration fees updated for NSW, Queensland, Tasmania and the ACT (and the SA mortgage fee). The repayment and borrowing power calculators now use the same duty, fee and LMI rules as our stamp duty and LMI calculators.
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.