MLS Calculators
Free tools for every Medicare Levy Surcharge scenario. All calculations run entirely in your browser — no data is stored or sent to our servers.
MLS Assessment
Core calculators for determining your Medicare Levy Surcharge liability.
Main
MLS Calculator
Calculate your Medicare Levy Surcharge liability, compare it against hospital cover costs, and get a personalised recommendation.
Family
Couple & Family Calculator
Enter both partners' incomes separately to see your combined MLS assessment with per-person breakdown.
Threshold
Reverse Threshold Calculator
Find the maximum you can earn before hitting a specific MLS tier, accounting for super contributions and other MLS income components.
Insurance Decision
Tools to help you decide whether private hospital cover is worth it.
Partial Year
Partial-Year Coverage Calculator
Calculate pro-rated MLS for partial years — see how much you'd save by getting cover mid-year.
LHC
Lifetime Health Cover Loading Estimator
Calculate your LHC loading based on age and cover history, and see how it changes the MLS breakeven.
Optimizer
MLS Avoidance Cost Optimizer
Compare strategies — pay the MLS, buy cover, or restructure income — and find the cheapest path for your situation.
Education & Comparison
Interactive tools to understand how MLS really works.