Please read carefully before using CalcHub AU. Last updated: June 2025.
By accessing and using CalcHub AU ("the Site", "we", "us", "our"), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using this site.
CalcHub AU grants you a limited, non-exclusive, non-transferable licence to access and use the Site for personal, non-commercial purposes. You agree not to:
While we make every effort to ensure the accuracy of calculator inputs, formulas, and rates (including ATO tax rates, superannuation rates, state-based charges and more), we cannot guarantee that all information is current, complete, or error-free. Tax rates, legislation, and government charges change regularly — figures used in our calculators may not reflect the most recent changes.
We reserve the right to modify these Terms of Service at any time. Changes are effective immediately upon posting. Your continued use of the Site constitutes acceptance of the updated terms. We recommend reviewing this page periodically.
We reserve the right to terminate or restrict your access to the Site at any time, without notice, for conduct that we believe violates these Terms of Service or is harmful to other users, us, third parties, or the public.
The content and calculator results provided on CalcHub AU are for general information and educational purposes only. Nothing on this site constitutes or should be construed as:
Always consult a qualified and licensed professional — including a financial adviser, accountant, tax agent, solicitor, doctor, or builder — before acting on any information from this Site.
This Site is provided on an "as is" and "as available" basis without any warranty of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
To the fullest extent permitted by Australian law, CalcHub AU and its operators, directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from:
This limitation applies even if we have been advised of the possibility of such damages.
All calculator outputs are estimates only. Actual figures will differ based on individual circumstances, updated rates, lender policies, government legislation, and other factors. Do not rely on any calculator result as a definitive figure for any purpose.
Mortgage and loan repayment figures are indicative estimates based on the inputs provided. Actual repayments will vary depending on your lender, loan product, fees, offset accounts, redraw facilities, and rate changes. Interest rates change daily — always obtain current rates from your lender or a qualified mortgage broker. This is not credit advice. We are not a credit provider or Australian Credit Licence holder.
Tax calculators use ATO-published rates and thresholds based on current ATO rates. They provide indicative estimates only. Actual tax liability depends on many individual factors including deductions, offsets, residency status, other income sources, and circumstances. Tax law changes frequently. Always use the ATO's official tools or consult a registered tax agent for accurate tax obligations. We are not registered tax agents and this is not tax advice.
Superannuation projections are based on assumed average annual returns (typically 7%) and current SG rates (11.5% ). Actual returns will vary significantly. Super fund fees, investment choice, insurance premiums, and contribution caps can all affect your balance. This is not superannuation advice. Consult a licensed financial adviser for personal super advice.
Stamp duty calculations are indicative only. Actual stamp duty varies based on state legislation, concessions, exemptions, property type, and individual circumstances. Always verify with your state or territory's revenue office or a conveyancer. Rental yield calculations are estimates and do not account for vacancies, maintenance, depreciation, or finance costs. Past property performance is not indicative of future returns.
BMI, calorie, and other health calculators provide general reference figures only. BMI is a general population measure and does not account for individual factors such as muscle mass, ethnicity, age, or medical conditions. Calorie requirements are estimates based on standard formulas. Do not make medical or dietary decisions based on these results alone. Always consult a qualified doctor, dietitian, or health professional.
Material quantity estimates (concrete, timber, roofing, etc.) are approximations and include a standard wastage factor. Actual quantities required will vary based on site conditions, installation method, product specifications, and professional assessment. Prices used are indicative market averages and may not reflect current supplier pricing in your area. Always obtain quotes from licensed tradespeople or builders before commencing work.
Business calculator results (ROI, productivity costs, marketing ROI, etc.) are illustrative estimates based on the inputs provided and general industry assumptions. Actual business results will vary significantly. These calculators are designed for educational and planning purposes only — they do not constitute financial product advice or business consulting.
AI investment ROI and automation savings calculators use general industry benchmarks and assumptions. Actual results from AI and automation tools vary widely based on implementation, business type, existing processes, and many other factors. These figures are illustrative only and should not be relied upon as guaranteed outcomes.
CalcHub AU may collect the following types of information:
We do not collect sensitive personal information (as defined under the Privacy Act) through our calculators. Calculator inputs you enter are processed locally in your browser and are not transmitted to or stored on our servers.
We use collected information to:
We do not sell, trade, or rent your personal information to third parties for their own marketing purposes.
We may disclose your information to:
We take reasonable steps to protect information from misuse, interference, loss, and unauthorised access. However, no internet transmission is 100% secure. You use the Site at your own risk. We are not responsible for the security of information transmitted over the internet.
Under the Privacy Act, you have the right to access personal information we hold about you and to request corrections if it is inaccurate. To make a request, contact us at the details in Section 10. We will respond within 30 days.
We retain personal information only for as long as necessary to fulfil the purposes for which it was collected, or as required by law.
Some of our service providers (including Google) are located overseas. By using the Site, you consent to your information being transferred and processed overseas, including in the United States. We take reasonable steps to ensure overseas recipients handle your information in accordance with the Australian Privacy Principles.
If you believe we have breached your privacy rights, please contact us first at hello@calchub.au. If unsatisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC).
Cookies are small text files stored on your device when you visit a website. They help websites remember your preferences and understand how you use the site.
You can control and/or delete cookies through your browser settings. Note that disabling cookies may affect some functionality of the Site. To opt out of Google Analytics tracking, visit Google Analytics Opt-out. To manage Google advertising preferences, visit Google Ad Settings.
CalcHub AU participates in the Google AdSense programme. Ads displayed on the Site are served by Google and its advertising partners. Google may use cookies and tracking technologies to serve ads based on your interests and browsing behaviour.
CalcHub AU does not control the specific ads displayed on the Site. Google's advertising policies govern the type of ads that appear. If you encounter any ad that you consider inappropriate, misleading, or offensive, please contact us and we will report it to Google.
Any sponsored content, paid partnerships, or affiliate relationships will be clearly disclosed. Calculator results and tool recommendations are not influenced by advertisers.
We comply with Australian Consumer Law and the ACCC's guidelines on advertising. We do not engage in misleading or deceptive advertising practices.
All content on CalcHub AU — including but not limited to calculator logic, formulas, design, layout, graphics, text, code, and branding — is the intellectual property of CalcHub AU and its operators, or is used under licence. All rights are reserved.
You may view and use the Site for personal, non-commercial purposes. You may share links to the Site. You may not:
Any feedback, suggestions, or ideas you submit to us about the Site may be used by us freely without compensation or attribution to you.
CalcHub AU may contain links to third-party websites, including the Australian Taxation Office (ATO), government agencies, and other external resources. These links are provided for convenience only.
We have no control over the content, privacy practices, or accuracy of third-party sites. The inclusion of a link does not constitute an endorsement. We are not responsible for any loss or damage arising from your use of third-party sites.
When you leave CalcHub AU, we encourage you to read the privacy policy and terms of service of any site you visit.
For official, legally binding tax calculations, always use the ATO's official tools and calculators. Our calculators are designed to give indicative estimates — they do not replace ATO systems.
CalcHub AU uses Google Analytics and Google AdSense. Your use of the Site is subject to Google's Privacy Policy. You can opt out of Google Analytics via the Google Analytics Opt-out Add-on.
These Terms of Service and Privacy Policy are governed by the laws of the State of New South Wales, Australia, and the Commonwealth of Australia, including:
Any disputes arising from your use of the Site shall be subject to the exclusive jurisdiction of the courts of New South Wales, Australia. If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.
Nothing in these Terms limits any rights you have under the Australian Consumer Law that cannot be excluded by contract. If you are a consumer under Australian Consumer Law, you may have statutory rights that we cannot override.
If you have any questions, concerns, or complaints regarding these Terms of Service or our Privacy Policy, please contact us:
For privacy complaints, please allow us 30 days to respond before escalating to the OAIC.
For urgent matters related to potentially harmful or illegal content, we aim to respond within 2 business days.