Terms & disclaimer
Last updated 10 June 2026 · Plain English on purpose.
What this is
What You Keep is a free calculator and an optional paid PDF report that estimate an Australian family's net disposable income — what's left after income tax and the Medicare levy, plus Family Tax Benefit Parts A and B, Child Care Subsidy and Commonwealth Rent Assistance, minus out-of-pocket childcare — using rates current as at FY2025–26.
General information only — not advice
Everything on this site and in the report is general, factual information and estimates only. It is not personal financial advice, not tax advice, and not an official Services Australia or ATO determination. It does not consider your full individual circumstances. Your actual entitlements are decided by Services Australia and the ATO. Nothing here tells you what to earn or how to structure your affairs — it only shows what a family in your position would keep at each income, and every choice remains yours. For advice specific to your situation, speak to a licensed financial adviser or a registered tax agent.
Your inputs drive the results
Results are only as accurate as the figures you enter. Family payments are tested on adjusted taxable income: amounts such as net investment losses (negative gearing), reportable super contributions and reportable fringe benefits are added back by Centrelink. Enter incomes with those amounts added back. Some items are not modelled, including HECS/HELP repayments, child-support income tests and state concessions — these are listed in the report's fine print.
Rates change
Tax and payment rates change at least every 1 July. The rates date is shown in the calculator and on the report. A report reflects the rates current when it was generated.
The $39 report, delivery & refunds
The personalised report is a one-off purchase processed securely by Stripe; we never see or store your card details. It's delivered on your device straight after payment. If it doesn't work for you, reply to your Stripe receipt within 14 days and we'll refund you in full. Nothing in these terms limits your rights under the Australian Consumer Law.
Privacy
The calculator runs entirely in your browser: your income, rent and family details are never sent to us or stored on any server, and the report is generated on your own device. If you buy the report, Stripe collects your email for the receipt. If you choose the optional "email me my results", we use that address only for that purpose.
Liability
To the maximum extent permitted by law (and without excluding any consumer guarantee under the Australian Consumer Law), What You Keep is not liable for any loss arising from reliance on the calculator or report. They are decision-support estimates — please verify anything important with Services Australia, the ATO or a licensed professional before acting.
Sources & ownership
Figures are built from official published rates: ATO, Services Australia and the DSS Family Assistance Guide, with analysis context from Treasury, the Grattan Institute and the Productivity Commission — cited as sources, not endorsements. The site, report design and content are © What You Keep. We may update these terms; the date above tells you the current version.
Contact
Questions or refunds: reply to your Stripe receipt, or email support@whatyoukeep.com.au.