Ripper Wealth

Foundations

Before you invest, get your house in order. Set goals, track cash flow, and build emergency reserves.

What To Own

Understanding asset classes and their roles in a balanced portfolio.

Why It Works

Historical context, wealth cycles, and the economic principles that drive markets.

AI-Powered Education

Cycle-aware tools backed by institutional-grade research

How To Execute

Profile-specific strategies. Content varies based on your persona (PAYG, Business Owner, Property/Crypto/Stock Investor, etc.).

When To Adjust

Timing and signals. Know when to buy, sell, or hold based on market cycles.

More

Learn about us, get help, share feedback.

FREE TOOLS · NO SIGN-IN REQUIRED

Australian Tax and Investment Calculators

Six free tools built for everyday Australians. All updated for the Federal Budget 2026-27 tax changes.

📢 Budget 2026-27: Tax Rules Are Changing

The Federal Budget announced significant changes to CGT, negative gearing, and trust taxation effective from 1 July 2027–28. This calculator has been updated to reflect both old and new rules. Full Budget breakdown →

Updated for Budget 2026-27

General CGT Calculator

Compare your capital gains tax under the old 50% discount and the new Budget 2026-27 inflation-indexed rules. Works for shares, crypto, gold, and collectibles.

SharesCryptoGoldBudget 2026
Calculate CGT →
Updated for Budget 2026-27

Property CGT Calculator

Calculate capital gains tax on an investment property sale. Includes inflation-indexed cost base comparison, grandfathering toggle, and net profit after tax.

Investment PropertyBudget 2026
Calculate property CGT →
Updated for Budget 2026-27

Negative Gearing Calculator

See your annual rental cash flow and tax deduction under three scenarios: pre-budget, new build, and established (post-budget restricted). Carry-forward loss logic included.

Investment PropertyRental Income
Visualise cash flow →
Updated for Budget 2026-27

Sell vs Borrow Calculator

Should you sell your investment and pay CGT, or borrow against it instead? Compare your real tax bill vs total borrowing cost side-by-side, with Budget 2026-27 CGT built in.

SharesCryptoPropertyGold
Compare strategies →

Salary Sacrifice Calculator

See how much more you keep by salary-sacrificing into super (15% tax) vs investing from your pay packet (up to 47%). The PAYG tax gap explained in seconds.

SuperPAYGTax
See your tax gap →

Compound Interest Calculator

The eighth wonder of the world. See how regular contributions and compounding returns grow your wealth over 10, 20, or 30 years.

InvestingFoundations
See your growth →

Want more tools?

Create a free account to access the AI Wealth Coach, AI Scenario Simulator, and personalised tax learning paths.

Get Free Access →

All calculators are for educational purposes only. Results are illustrative and do not constitute financial or tax advice. Always consult a registered tax agent or financial adviser for your specific situation.

Page Feedback