Financial Calculators

Use our helpful tools to plan your finance decisions accurately and confidently. Select a calculator below to get started on your property journey.

✔ Find out how much you may be able to borrow

✔ Calculate your minimum home loan repaymenrs

✔ Minimal Paperwork

✔ Calculate your minimum home loan repayments

Borrowing Power Calculator

Borrowing Power Calculator

Estimate how much you could borrow based on your income and expenses. Uses Australian 2024–25 tax rates and the standard 3% lender serviceability buffer.

Estimates only. Uses 2024–25 Australian income tax rates + Medicare Levy. Lenders assess serviceability at your rate + 3% (APRA buffer). Actual approval depends on individual lender policies.
Estimated borrowing power
$0
maximum loan amount
Assessed at —% (rate + 3% buffer)
Net monthly surplus
$0
Est. monthly repayment
$0
Net monthly income
$0
Tax & Medicare
$0
Summary
—
Monthly Net Income Breakdown

Loan Repayment Calculator

Estimate your regular repayments on a principal & interest home loan. Adjust any field to recalculate instantly.

Estimates only. Not financial advice. Actual results may vary by lender.
Estimated repayment
$0.00
per month
Total interest
$0
Total repaid
$0
Summary
—
Principal vs Total Interest Over Loan Life

Extra Repayments Calculator

See how additional regular payments could save you time and interest on your home loan.

Estimates only. Not financial advice. Actual results may vary by lender.
Interest saved
$0
over the life of the loan
Time saved
—
New loan term
—
Original repayment
—
New repayment (with extra)
—
Summary
—
Interest Paid: Standard vs With Extra Repayments

Lump Sum Repayment Calculator

Find out how a one-off extra payment could reduce your loan term and save you interest.

Estimates only. Not financial advice. Actual results may vary by lender.
Interest saved
$0
over remaining term
Time saved
—
New remaining term
—
Summary
—
Loan Balance: Standard vs After Lump Sum

Offset Account Calculator

See how savings in an offset account could reduce your interest and shorten your loan term.

Estimates only. Not financial advice. Assumes a constant average offset balance.
Total interest saved
$0
over the life of the loan
Time saved
—
Effective loan balance
—
Monthly repayment
—
Interest without offset
—
Summary
—
Cumulative Interest: Without vs With Offset

Split Loan Calculator

Compare a blended fixed + variable split structure for your home loan.

Estimates only. Not financial advice. Actual results may vary by lender.
Blended repayment
$0.00
combined repayment
Fixed portion repayment
—
Variable portion repayment
—
Total interest (fixed)
—
Total interest (variable)
—
Blended effective rate
—
Total interest (combined)
—
Summary
—
Fixed vs Variable Loan Composition

Loan Comparison Calculator

Compare two home loan options side by side to find the better deal.

Estimates only. Not financial advice. Total cost includes upfront fees. Actual results may vary by lender.
You could save
$0
by choosing the cheaper loan
Loan A repayment
—
Loan B repayment
—
Loan A total cost
—
Loan B total cost
—
Loan A total interest
—
Loan B total interest
—
Summary
—
Loan A vs Loan B: Total Cost Breakdown

Mortgage Refinance Calculator

See how refinancing to a lower rate could save you money over your remaining loan term.

Estimates only. Not financial advice. Savings assume the remaining term stays the same after refinancing.
Total savings (net of fees)
$0
over the remaining term
Current repayment
—
New repayment
—
Savings per period
—
Break-even point
—
Interest saved
—
Refinance fees
—
Summary
—
Cumulative Payments: Current Rate vs Refinanced

Savings Calculator

See how regular deposits grow over time with compound interest.

Estimates only. Interest compounds at the deposit frequency. Actual results may vary by institution.
Total savings
$0
at end of period
Total deposits
$0
Interest earned
$0
Interest as % of deposits
—
Effective annual yield
—
Summary
—
Savings Growth Over Time

Budget Planner

Map your income against expenses to find your monthly surplus.

Estimates only. Not financial advice. Enter your monthly take-home (after-tax) figures.
Monthly surplus
$0
available to save or invest
Total income
—
Total expenses
—
Annual surplus
—
Expense ratio
—
Summary
—
Monthly Expense Breakdown

Compound Interest Calculator

Visualise the power of compounding on your investments.

Estimates only. Not financial advice. Contributions made at end of each period.
Future value
$0
at end of period
Total contributions
$0
Total interest earned
$0
Summary
—
Investment Growth: Contributions vs Interest

Stamp Duty Calculator

Estimate transfer duty on your property purchase across Australian states & territories.

Approximate 2024-25 rates. Rates change annually — always verify with your state revenue office before purchasing.
Estimated stamp duty
$0
transfer duty
Effective rate
0.00%
Total purchase cost
$0
Summary
—
Purchase Cost Breakdown

Income Tax Calculator

Estimate your Australian income tax for the 2025-26 financial year.

2025-26 Australian resident rates. Includes LITO and Medicare levy low-income reduction. Excludes HECS/HELP, salary packaging, and deductions.
Total tax payable
$0
for 2025-26 (inc. Medicare)
Income tax (after LITO)
$0
Medicare levy
$0
LITO applied
$0
Effective tax rate
0.0%
Net annual income
$0
Net monthly income
$0
Tax breakdown
—
Income Breakdown: Tax vs Net Take-Home

Rent vs Buy Calculator

Compare the total financial outcome of renting vs buying over time.

Simplified model. Excludes stamp duty, insurance, opportunity cost of deposit, and tax implications.
Better option over the period
—
net position
Net cost to buy
—
Total cost to rent
—
Property value (end)
—
Equity at end
—
Monthly mortgage
—
Monthly rent (starting)
—
Summary
—
Cumulative Cost: Renting vs Buying Over Time

Interest-Only Mortgage Calculator

Compare an interest-only period followed by principal & interest repayments.

Assumes constant rate. During the IO period, no principal is repaid — the full balance rolls into the P&I phase.
IO repayment
$0.00
during IO period
P&I repayment (after IO)
—
P&I only (no IO) repayment
—
Total interest (IO period)
—
Total interest (P&I period)
—
Total interest (overall)
—
Extra interest vs full P&I
—
Summary
—
Interest-Only vs Full P&I: Total Interest Paid

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Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.