Terms of Use

Last updated: April 2026

1. Acceptance of Terms

By accessing and using whatdoineedtoearn.com.au ("the site"), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the site.

2. Nature of the Service

whatdoineedtoearn.com.au provides free online financial calculators designed to help Australian residents estimate personal finance figures including salary, tax, GST and related calculations. All tools are provided for general information and educational purposes only.

3. Not Financial or Tax Advice

The calculators and all content on this site do not constitute financial advice, taxation advice, or legal advice. Results are estimates based on publicly available ATO rates and standard assumptions. Your personal circumstances — including salary packaging arrangements, fringe benefits, investment income, business income, tax deductions, and other factors — may significantly affect your actual tax position.

You should always consult a registered tax agent, financial adviser, or the Australian Taxation Office (ato.gov.au) for advice specific to your situation.

4. Accuracy of Calculations

We make every reasonable effort to ensure our calculators use current and accurate ATO tax rates, Medicare levy thresholds, HECS/HELP repayment rates, and superannuation guarantee rates. However, we do not warrant that the results are complete, accurate, or suitable for any particular purpose. Tax rates and thresholds change each financial year and may not always be reflected immediately.

5. Limitation of Liability

To the maximum extent permitted by applicable Australian law, whatdoineedtoearn.com.au and its operators are not liable for any direct, indirect, incidental, special, or consequential damages arising from your use of or reliance on this site or its calculators. This includes any loss arising from decisions made on the basis of calculator results.

6. Permitted Use

You may use this site for lawful personal purposes only. You must not:

• Use automated tools, bots, or scrapers to access the site
• Attempt to reverse-engineer, copy, or reproduce the calculators or underlying code
• Use the site in any way that disrupts or damages its operation
• Republish or redistribute calculator results or site content without our permission

7. Intellectual Property

All content on this site — including calculator logic, design, copy, and code — is the intellectual property of whatdoineedtoearn.com.au and is protected under Australian copyright law. You may not reproduce, republish, or distribute any part of this site without prior written permission.

8. Third-Party Links and Services

This site may contain links to third-party websites. We are not responsible for the content, accuracy, or privacy practices of those sites. The inclusion of any link does not imply our endorsement of the linked site.

We use third-party services including Google Analytics, Google AdSense, Netlify, and Cloudflare. Your use of this site means you also interact with these services, which are subject to their own terms and privacy policies.

9. Advertising

This site displays advertisements through Google AdSense. We do not endorse any advertiser or their products or services. Advertisement content is determined by Google's advertising systems and not by us.

10. Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes take effect immediately upon posting to this page. Your continued use of the site following any changes constitutes your acceptance of the updated terms.

11. Governing Law

These terms are governed by the laws of the State of Victoria, Australia. Any disputes arising from your use of this site will be subject to the exclusive jurisdiction of the courts of Victoria.

12. Contact

For questions about these Terms of Use, contact us at: legal@whatdoineedtoearn.com.au