Australian Personal Finance

Big money decisions
deserve plain answers

Tax, superannuation, property and investing — explained in plain English (and 中文), without the jargon. Free tools for everyday Australians.

Try the Free CGT Calculator Read: CGT 2027 Changes →

Free Tools

Start with our calculator

Australia's most comprehensive CGT calculator — covering current rules, the 2026–27 Budget proposed changes, CPI indexation, and old vs new rule comparison. In English and 中文.

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Australian CGT Calculator
Calculate your capital gains tax under current rules and the proposed 2027 Budget changes side by side. Covers shares, property, CPI indexation, and the transitional split.
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Old vs New Rules Comparison
Enter your asset details once and instantly see what you'd pay under current rules versus the proposed 2027 CPI indexation + 30% minimum tax. Includes transitional split calculation.
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Property CGT Calculator
Includes stamp duty, renovations, agent fees, and the main residence (PPOR) exemption — full, partial, or investment property. Pre-CGT detection built in.
Calculate Property CGT →

Latest Guides

Understand before you decide

In-depth guides on the topics that matter most to Australian investors and homeowners.

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CGT Discount Replaced from 2027 — What It Means for You
The 50% CGT discount is being replaced by CPI indexation and a 30% minimum tax from 1 July 2027. Here's exactly how the transitional rules work, with real examples.
Read Guide →
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Novated Lease + Electric Vehicle: The Complete Tax Guide
FBT-exempt EVs, the luxury car threshold, salary packaging — how novated leases really work and which EVs qualify for the biggest savings in 2024–25.
Read Guide →

Why Plain Finance Talks

Finance that actually makes sense

Most financial content is written for accountants, not people. We translate the ATO, the Budget, and the fine print into language you can actually act on.

All tools and guides are available in English and 中文 — because great financial information shouldn't depend on which language you grew up speaking.

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Plain language
No jargon. Real examples.
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Real numbers
ATO rates, actual CPI data.
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Australia-focused
ATO, APRA, Budget — all local.
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English + 中文
全中文内容同步更新。

General information only. Plain Finance Talks provides educational content and free calculation tools. Nothing on this website constitutes financial, tax, or legal advice. The 2026–27 Budget CGT changes are proposed legislation not yet passed by Parliament. Please consult a registered financial adviser or tax agent for personalised advice.