Money guides
Clear, up-to-date guides to take-home pay, tax, freelancing, mortgages and saving. Every guide has a live calculator you can change.
AustraliaMedicare Levy Explained: How Much Do You Pay? (2026–27)The Medicare levy is 2% of taxable income, reduced for low earners. How the low-income reduction works, the separate Medicare levy surcharge,…
AustraliaHELP Debt Repayments 2026–27: How Much Will Come Out of My Pay?From 2025–26 HELP repayments are only charged on income above the threshold. For 2026–27 that is 15c per dollar over $69,528. Table…
AustraliaIs Super Included in My Salary? Package vs Base + Super ExplainedA $100,000 package including super is worth about $89,286 in salary, not $100,000. How the 12% super guarantee works, how to read…
Australia$200,000 After Tax in Australia: 2026–27 Take-Home PayOn $200,000 you keep $140,130 a year after tax and Medicare ($11,678 a month) in 2026–27. The 45% top rate, HELP at…
Australia$150,000 Salary After Tax in Australia (2026–27)$150,000 leaves $110,430 a year after tax and Medicare ($9,203 a month) in 2026–27. The 37% bracket, the Medicare levy surcharge, and…
Australia$100,000 After Tax in Australia: Take-Home Pay for 2026–27A $100,000 salary leaves $77,480 a year after tax in 2026–27 ($6,457 a month). With a HELP debt it is $72,909. Plus…
Australia$50,000 After Tax in Australia (2026–27): Your Take-Home PayOn $50,000 you take home $43,730 a year in 2026–27, about $3,644 a month or $1,682 a fortnight, after income tax, the…
CanadaHow Much Tax Refund Will My RRSP Contribution Get Me? (2026)An RRSP contribution saves tax at your marginal rate. In Ontario, $5,000 saves roughly $1,000 to $2,200 depending on income. Worked examples…
CanadaCPP, CPP2 and EI in 2026: How Much Comes Off Your Paycheque?The 2026 CPP rate is 5.95% up to $74,600, CPP2 is 4% up to $85,000, and EI is 1.63% up to $68,900.…
CanadaWhich Province Has the Lowest Taxes? Take-Home Pay Compared (2026)All 13 provinces and territories ranked by take-home pay at $50k, $75k, $100k and $150k for 2026, plus what makes Alberta, Quebec…
Canada$200,000 After Tax in Canada: How Much You Really Keep (2026)On $200,000 you keep $131,278 in Ontario, $136,274 in BC and $137,854 in Alberta in 2026. Why your basic personal amount shrinks,…
Canada$150,000 Salary After Tax in Canada (2026)$150,000 leaves $104,320 after tax in Ontario and $107,458 in Alberta in 2026. How the Ontario surtax kicks in, your marginal rate,…