Jeremy
Marketer. Musician. Numbers Nerd.
📍 Based in Melbourne, Australia
Most online financial calculators work the same way. You put in a number and see what comes out the other end. That works fine — until you already know what you want the answer to be.
If you're walking into a salary negotiation, you don't want to guess and check. If you're working out whether you can afford a house, you want to start from the property — not from some arbitrary income figure. If you're trying to save for something specific, you want to know what you need to put away each week, not how much you'll end up with.
That's the whole idea here. Start with the end in mind. Tell the calculator what you're trying to achieve — and let it work backwards to give you the number you actually need.
I built these tools because I kept running into this problem myself. I hope they're useful for you too.
The Calculators
Seven free tools. One idea. All updated for 2025–26 ATO rates.
What Salary Do I Need?
The original. Start with your take-home target — get the gross salary to ask for.
GST Calculator
Add GST to a price or remove it from a total. Instant, both directions.
What Pay Rise Do I Need?
Want more in your pocket? Work backwards from the extra you need to the raise you ask for.
What Do I Need to Earn to Buy a Home?
Enter the property. Get the salary you need to service the mortgage comfortably.
What Rent Can I Afford?
Your real maximum rent — based on take-home pay, not gross salary.
What Do I Need to Save?
Pick a goal and a date. Get a weekly savings target with compound interest built in.
What Hourly Rate Do I Need?
Going contracting or freelance? Price yourself correctly from day one.
Background
I have a Graduate Diploma in Information Systems and more than 30 years in business across marketing, music, and digital media. I've spent a long time building things online — websites, tools, content — and this is the latest collection.
The calculators on this site are free to use and always will be. They are estimates based on publicly available ATO rates and standard assumptions — not financial advice. For anything complex, talk to a registered tax agent or financial adviser.
"I'm building a collection of useful resources. I hope you find them here." — Jeremy, Melbourne
Questions or feedback? hello@whatdoineedtoearn.com.au