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On this page

Australian Taxation Office

www.ato.gov.au

GPO Box 9990, Adelaide 5001

Call Centre Phone numbers for various inquiries

Business tax enquiries - 13 28 66

Information about business income tax, fringe benefits tax (FBT), goods and services tax (GST), pay as you go (PAYG) and activity statements, including lodgment and payment, accounts and business registration (including Australian business number and tax file number), and dividend and royalty withholding tax.

Personal tax enquiries - 13 28 61

Enquiries about retirement, family tax benefit, baby bonus, tax file number, pay as you go (PAYG) - including activity statements, Higher Education Loan Programme (HELP), Student Financial Supplement Scheme, account balance or replacement cheque, preparation of an online tax return, general income tax, lodgment and notices of assessment.

Specific enquiries can be directed to the sections detailed on the right hand side of this page.

Superannuation enquiries - 13 10 20

Enquiries about super co-contributions, superannuation contributions surcharge, superannuation guarantee - including non payment by an employer, lost superannuation, self managed superannuation funds, simpler super and general superannuation enquiries.


Legal Database

ATO Legal Database

Superannuation

ATO - Superannuation

Rulings & Determinations

AustLII ATO Rulings / Determinations and Draft Rulings / Determinations

Pages catering for the general public.

Tools

Rates

Calculators

Loan Calculators (12)

How Much Can I Borrow? Calculator How Much Can I Borrow? Calculator
This calculator provides an estimate of the maximum you can borrow, taking into account your monthly income and expenditure and current interest rates. This calculator also builds in a buffer for interest rate rises.

Income and Expenditure Worksheet
Use the income and expenditure worksheet to calculate how much you can afford to borrow.

Basic Repayment Calculator
Enter the interest rate, the term of the loan and the amount you are borrowing to get the minimum monthly repayment and the amount of interest paid.

Fixed vs Variable Interest Rate Calculator
This simulator allows you to analyse the choice of a fixed or variable rate by modeling changes in the variable interest rate and comparing the amount repaid during the period and the outstanding loan balance at the end of the period.

Mortgage Broker Checklist If you're planning to use a mortgage broker to help you find the perfect home loan, there is some information you should find out from your broker before you start.

Loan Repayment Calculator - Work out what your minimum weekly, fortnightly or monthly loan repayments would be for any borrowed amount.

Extra Repayments Calculator - Find out how much you can save in interest and shorten your loan term by making additional repayments over and above your current monthly repayment.

Lump Sum Repayments Calculator - Find out how much you can save in interest and shorten your loan term by making a one-off lump sum repayment on top of your current monthly repayment.

Split Loan Calculator - Splitting your home loan into fixed and variable rate portions can provide insurance against future changes in interest rates that we can't predict. Use this tool to calculate your repayments and total interest under different fixed and variable rate scenarios.

Loan Comparison Calculator - Select any two home loans on the market for a direct cost comparison. Determine which is the cheapest in total fees and interest over the life of the loan.

Stamp Duty Calculator - Work out how much stamp duty will be payable on the purchase of your new home.

Principal & Interest Calculator - Work out what portion of each monthly repayment is principal and what portion is interest.

Costs of Buying (2)

Lenders Mortgage Insurance Estimator
In nearly all cases, if you borrow more than 80 per cent of what the lender considers to be the value of the property they will ask you to pay their mortgage insurance. This handy estimator determines how much this is likely to cost you.

Home Cost Estimator
This calculator allows you to estimate the total cost of purchasing a property including all those nasty hidden costs.

Buy or Rent or Invest (4)

Rent vs Buy
This tool allows you to compare your estimated financial position after seven years of renting with your estimated financial position after seven years of home loan repayments.

Buy Then Sell or Sell Then Buy
This estimator provides an indication of the costs you will face depending on the order in which you sell your old home and buy your new one.

Relocation Timeline
This calculator takes your specific moving details and produces a customized timeline. This can then be printed out in the form of a checklist to tick off tasks as they are completed.

Can I Afford An Investment Property?
This tool provides an estimate of how much an investment property will cost. It combines the cash operating revenue and the cash operating expenses with the change in the amount of income tax paid to measure the net change in the investors income due to the investment property.

Banking (12)

Search & Compare Savings Accounts and Term Deposits
Small Business Loans
Small Business Calculator
Compare credit cards - The small business calculator that lets you enter set-up costs and running costs to establish a comprehensive business financial summary.
Debentures comparison page
Compare Homeloans
Transaction Accounts
Personal Loans
Small Business Loans
Business At Call Accounts
Business Credit Cards
Business Term Deposits

Investment (3)

Margin Lending Calculator - Gearing Simulator
Margin Lending Calculator - Stock Lookup
Find and compare brokers

Planners (3)

Savings Calculator

Budget Planner - Try our Budget Planner. Enter your annual income and expenses to assess your financial position.

Statement of financial position. Check your financial position and overall financial capacity.

Retirement (5)

Retirement planner
Could your super and the age pension be enough to give you the income you would like to have when you retire? Ask the FIDO retirement planner to crunch the numbers and show you.

Account-based pension calculatorAccount-based pension calculator
An account-based pension or annuity is one of the products you can buy with your super when you retire. Account based pensions are also known as allocated pensions.

Term allocated pension calculatorTerm allocated pension calculator
What pension could you get from this retirement income product? Includes options for investments, term and amount of pension, fees, compare products.

Reverse mortgage calculator Reverse mortgage calculator
See how your reverse mortgage debt builds up and may affect how much of your home you still own as time goes by.

Centrelink Rate Estimator

Federal - Tax, Help and Others (16)

Rates

Income tax
Individual income tax rates - Shows the percentage of tax payable for each income bracket, for individual Australian taxpayers, for the financial year 2006-07 and 2007-08.
Individual income tax rates for prior years - Shows the percentage of tax payable for each income bracket, for individual Australian taxpayers, for prior financial years.
PAYG withholding
Students and graduates

Calculators

Income tax
International
Families
Medical
PAYG withholding
Payments
Seniors
Students and graduates
Superannuation
Work related expenses
Other calculators
Other tools


Barristers Chambers

Anthony Mason Chambers

Address: 201 Victoria Square, Adelaide SA 5000
Phone: (08) 8228 0000
Fax: (08) 8228 0022
Email: clerk@anthonymasonchambers.com.au
Courier: DX 421

Bar Chambers

Web: http://www.barchambers.com.au
Address: 34 Carrington Street, Adelaide SA 5000
Phone: (08) 8205 2966
Fax: (08) 8212 6590
Email: barristers@barchambers.com.au
Courier: DX 107

Campbell Chambers

Address: 360 King William Street, Adelaide SA 5000
Phone: (08) 8110 4900
Fax: (08) 8231 9352
Email: admin@campbellchambers.com.au
Courier: DX 424

Carrington Chambers

Address: 48 Carrington Street, Adelaide SA 5000
Phone: (08) 8212 4511
Fax: (08) 8231 6080
Email: admin@carringtonchambers.com.au

Carrington House

Address: 61 Carrington Street, Adelaide SA 5000

Christopher Legoe Chambers

Web: http://www.legoechambers.com.au
Address: Level 1, 96 Gouger Street, Adelaide SA 5000
Phone: (08) 8113 3400
Fax: (08) 8113 3499
Email: clerk@legoechambers.com.au

Clark Chambers

Address: 39 Mackay Street, Port Augusta SA 5710
Phone: (08) 8127 9701
Fax: (08) 8121 7639

Cleveland Chambers

Address: 133 Archer Street, North Adelaide SA 5006
Phone: (08) 8360 8320
Fax: (08) 8239 2282

Commercial Chambers

Address: 90 Sturt Street, Adelaide SA 5000
Phone: (08) 8211 8113
Fax: (08) 8211 8223

Edmund Barton Chambers

Web: http://www.edmundbartonchambers.com.au
Address: 72 Wright Street, Adelaide SA 5000
Phone: (08) 8213 6400
Fax: (08) 8231 5295
Email: clerk@edmundbartonchambers.com.au
Courier: DX 398

Elizabeth Evatt Chambers

Address: Level 1, 51 Angas Street, Adelaide SA 5000
Phone: (08) 8231 2244
Fax: (08) 8231 5611
Email: elizabethevatt@ihug.com.au

Elizabeth Mews

Address: 22 Divett Place, Adelaide SA 5000
Phone: (08) 8223 7900
Fax: (08) 8232 7001
Email: fcbrohier@bigpond.com

Elliott Johnston Chambers

Web: http://www.ejchambers.com.au
Address: 356A King William Street, Adelaide SA 5000
Phone: (08) 8410 3672
Fax: (08) 8231 9270
Email: info@ejchambers.com.au

Gilles Street Chambers

Address: 429A Gilles Street, Adelaide SA 5000
Phone: (08) 8232 3146
Fax: (08) 8232 3145

Hanson Chambers

Address: 56 Carrington Street, Adelaide SA 5000
Phone: (08) 8212 6022
Fax: (08) 8231 3640
Email: admin@hansonchambers.com.au
Courier: DX 403

Howard Zelling Chambers

Address: 11th Floor, SGIC Building, 211 Victoria Square, Adelaide SA 5000
Phone: (08) 8211 7677
Fax: (08) 8212 9700
Email: clerk@hzc.com.au

Hugh Burton Chambers

Address: Level 3, 366 King William Street, Adelaide SA 5000
Phone: (08) 8410 3233
Fax: (08) 8410 2673
Email: clerk@hughburtonchambers.com.au
Courier: DX 58200

Jeffcott Chambers

Web: http://www.jeffcottchambers.com.au
Address: 7 Gouger Street, Adelaide SA 5000
Phone: (08) 8231 2344
Fax: (08) 8212 3232
Email: admin@jeffcottchambers.com.au
Courier: DX 158

John Bray Chambers

Address: 142 Wright Street, Adelaide SA 5000
Phone: (08) 8231 1855
Fax: (08) 8231 1909
Email: barristers@johnbraychambers.com.au
Courier: DX 396

Kingston Chambers

Address: 47 Wright Street, Adelaide SA 5000
Phone: (08) 8231 6033
Fax: (08) 8231 7607
Email: clerk@kingstonchambers.com.au
Courier: DX 109

Michael Kirby Chambers

Address: 3rd Floor, 195 Victoria Square, Adelaide SA 5000
Phone: (08) 8231 2282
Fax: (08) 8221 5460
Email: clerk@mkirbych.com.au

Mitchell Chambers

Web: http://www.mitchellchambers.com.au
Address: 27 Surflen Street, Adelaide SA 5000
Phone: (08) 8212 7583
Fax: (08) 8231 2621
Email: info@mitchellchambers.com.au
Courier: DX 219

Murray Chambers

Address: 12 Coglin Street, Adelaide SA 5000
Phone: (08) 8110 9100
Fax: (08) 8231 5439
Email: info@murraychambers.com.au
Courier: DX 425

Sir Mellis Napier Chambers

Address: 195 Victoria Square, Adelaide SA 5000
Phone: (08) 8212 1102
Fax: (08) 8231 9573

Torrens Chambers

Address: 78 Angas Street, Adelaide SA 5000
Phone: (08) 8232 1900
Fax: (08) 8232 0845
Email: admin@torrenschambers.com.au
Courier: DX 365

Wright Chambers

Address: Level 2, 366 King William Street, Adelaide 5000
Phone: (08) 8213 7000
Fax: (08) 8213 7001
Email: wsch@senet.com.au

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