Skip to main content
menu
chevron_left
Home
search
close
Banking and budgeting
Banking
Savings accounts
Transaction accounts and debit cards
Joint accounts
Direct debits
Unauthorised and mistaken transactions
Sending money overseas
Budgeting
How to do a budget
Track your spending
Manage the cost of living
Managing on a low income
Managing on a casual income
Budget planner
Compound interest calculator
Simple money manager
Avoiding sales pressure
Saving
Savings goals calculator
Compound interest
Save for an emergency fund
Simple ways to save money
Save for a house deposit
How to start saving
Work and tax
GST calculator
Income tax calculator
Income tax
Lodging a tax return
Salary packaging
Returning to work after having a baby
Losing your job
Self-employment
Choosing an accountant
Family and relationships
Relationships and money
Getting married
Having a baby
Teaching kids about money
Getting a pet
Reducing back-to-school costs
Cheap school holidays
Getting divorced or separating
Divorce and separation financial checklist
Dealing with illness
Losing your partner
Financial abuse
How to support older Australians
Loans, credit and debt
Loans
Going guarantor on a loan
Car loans
Loan rejection
Payday loans
No Interest Loans
Personal loans
Personal loan calculator
Payday loan calculator
Other ways to borrow
Buy now pay later services
Pay advance services
Interest-free deals
Interest-free deal calculator
Consumer leases
Rent vs buy calculator
Credit cards
Choosing a credit card
Pay off your credit card
Credit card calculator
Credit card balance transfers
Cancel a credit card
Home loans
Buying a house
Choosing a home loan
Mortgage calculator
Switching home loans
Mortgage switching calculator
Using a mortgage broker
Pay off your mortgage faster
Problems paying your mortgage
Interest-only home loans
Interest-only mortgage calculator
Mortgage offset accounts
Managing debt
Get debt under control
Urgent help with money
Financial counselling
Financial hardship
Problems paying your bills and fines
Credit scores and credit reports
Credit repair
Debt consolidation and refinancing
Dealing with debt collectors
Repossessed car or goods
Bankruptcy and debt agreements
Free legal advice
Net worth calculator
Investing and planning
How to invest
Develop an investing plan
Choose your investments
Diversification
Investing and tax
Borrowing to invest
Keep track of your investments
Environmental Social Governance (ESG) investing
Islamic finance in Australia
What is private credit?
What is share market volatility
Financial advice
Financial advisers register
General and personal financial advice
Choosing a financial adviser
Working with a financial adviser
Financial advice costs
Problems with a financial adviser
Shares
Choosing shares to buy
How to buy and sell shares
Keeping track of your shares
Employee share schemes
Managed funds and ETFs
Managed funds fee calculator
Choosing a managed fund
Exchange traded funds (ETFs)
Hedge funds
Listed investment companies (LICs)
Peer to peer lending
Property investment
Property funds
Timeshares
SMSFs and property
Buying an investment property
Investments paying interest
Bonds
Debentures, secured and unsecured notes
Hybrid securities and notes
Term deposits
Investment warnings
Binary options
Company director fraud
Contracts for difference (CFDs)
Crypto assets
Forex trading
Investment seminars
Insider trading
Land banking
Bills of exchange
Pump and dump schemes
Don't get burned by investment hype
Lead generation and how it works
Super and retirement
Retirement
Case study: Lillian's health scare
Case study: Bill's mortgage decision
Case study: Helen and Joe retire
How super works
What is superannuation
Choosing a super fund
Types of super funds
Self-managed super fund (SMSF)
Getting your super
When you can access your super early
Find lost super
Consolidating super funds
Tax and super
Superannuation calculator
Who gets your super if you die
Grow your super
Employer contributions calculator
How much super should I have
Super contributions
Downsizer super contributions
Super for self-employed people
Super investment options
Super contributions optimiser
How to check your super
Tips to keep your retirement savings on track
Get your super working over time
Plan for your retirement
Work out how much you need to retire
Super and pension age calculator
Make a retirement plan
Retirement planner
What happens to your super when you retire
Managing unexpected retirement
Your home in retirement
Wills and powers of attorney
Retirement income sources
Age Pension and government benefits
Account-based pensions
Account-based pension calculator
Super lump sum
Annuities
Transition to retirement
Reverse mortgage and home equity release
Reverse mortgage calculator
Lifetime income streams
Types of retirement income
Manage your money in retirement
Make your money last in retirement
Retirement income and tax
Manage health costs in retirement
Get help in retirement
Protect your money in retirement
Downsizing in retirement
Aged care
Paying for your funeral
Memory loss, dementia and your money
Insurance
Insurance
How life insurance works
Life insurance calculator
Income protection insurance
Life cover
Total and permanent disability (TPD) insurance
Insurance through super
Life insurance claims comparison tool
Trauma insurance
Making a life insurance claim
Car insurance
Choosing car insurance
Claiming on your car insurance
No claim bonus on car insurance
Add-on car insurance
Home insurance
Choosing home insurance
Contents insurance
Storm, flood and fire insurance
How to make a home insurance claim
Underinsurance: What it is and how to avoid it
Add-on insurance
Mobile phone, tablet and laptop insurance
Consumer credit insurance
Pet insurance
Other types of insurance
Health insurance
Funeral insurance
Travel insurance
Dealing with natural disasters
Preparing for a natural disaster
What to do after a natural disaster
Recovering from a natural disaster
Be aware of disaster chasers
Scams and online safety
Online safety
Protect yourself from scams
Online shopping
Identity theft
Using comparison websites
How to spot a scam website
AI and money decisions
Financial scams
Banking and credit scams
Crypto scams
Imposter bond investment scams
Investment scams
Ponzi schemes
Superannuation scams
Check and report scams
Report an investment scam
Check before you invest
Investor alert list
What to do if you've been scammed
Community resources
Find unclaimed money
Claim money from bank accounts and bank dividends
Claim money from life insurance policies
Claim money from shares and investments
Claim money owed to a deregistered company
Proof of ownership for unclaimed money
Money held by state governments
Interest paid on unclaimed money
Moneysmart for teachers
Lesson plans
Teaching consumer and financial literacy
Student life and money
Studying
Moving out of home
Rental bonds and leases
Getting a job
Credit and debt
Choosing a mobile phone plan
Buying and running a car
Publications and resources
Publications
Money tips in other languages
How to complain
Supporting First Nations people with money matters
Book up
Dealing with family pressure about money
Door-to-door sales
Managing large sums of money
Paying for funerals
Buying a hamper
Superannuation
How to prove your identity
Bank accounts
Cash loans
How insurance works
How to choose insurance
Making an insurance claim
First Nations services that can help
About us
Contact us
Glossary
Media centre
Like MoneySmart on Facebook
Subscribe to MoneySmart on Youtube
Follow MoneySmart on Instagram
capital depreciation
A decrease in the value of a capital asset.