Home Loan Calculators
Twenty eight calculators covering repayments, borrowing power, deposits, stamp duty, refinancing and everything in between. Run your numbers here, then let us check them against what lenders will actually approve.
Loan Repayment Calculator
Work out what your repayments would actually be on a given loan amount, rate and term.
Borrowing Power Calculator
Estimate how much you could borrow based on your income, commitments and living expenses.
How Much Deposit Do I Need
Work backwards from a purchase price to the deposit you need, including the upfront costs that catch most buyers out.
Stamp Duty Calculator
Calculate transfer duty on a NSW purchase before you commit to a price.
Extra Repayment Calculator
See how much time and interest a small extra repayment removes from your loan.
Offset Account Calculator
Model what money sitting in an offset account actually saves you.
Refinance Savings Calculator
Compare your current loan against a new one after switching costs, not before them.
Comparison Rate Calculator
Work out the true cost of a loan once fees are included.
Fortnightly Repayment Calculator
See what switching from monthly to fortnightly repayments does to your loan term.
Lump Sum Repayment Calculator
Model what a bonus, inheritance or tax refund does to your loan if you put it straight onto the balance.
How Long to Repay Calculator
Work out how long a loan takes to clear at a given repayment amount.
Interest Only Calculator
Compare interest only repayments against principal and interest, and see the step up when the interest only period ends.
Split Loan Calculator
Model a loan split between fixed and variable portions.
Loan Comparison Calculator
Put two loans side by side over their full term, including fees.
Introductory Rate Calculator
See what a honeymoon rate really costs once it reverts.
Leasing Calculator
Estimate lease repayments on a vehicle or piece of equipment.
Property Buying Cost Calculator
Add up the full cost of buying, not just the deposit.
Property Selling Cost Calculator
Work out what you will actually clear on a sale after agent commission, marketing, legal costs and discharging the existing loan.
Rent vs Buy Calculator
Compare renting against buying over the period you expect to stay.
Budget Planner
Map your income against your actual spending.
Savings Calculator
See how a regular savings amount grows over time.
How Long to Save Calculator
Work out how long it takes to reach a deposit target at your current savings rate.
Compound Interest Calculator
Model how an investment grows when returns compound.
Credit Card Calculator
See how long a credit card balance takes to clear at the minimum repayment.
Income Tax Calculator
Estimate tax payable on a given income.
Income Annualisation Calculator
Convert part year income into an annual figure.
Income Gross Up Calculator
Convert a net or after tax figure back to gross.
Reverse Mortgage Calculator
Model how a reverse mortgage balance grows over time as interest capitalises.
Numbers looking tight? That is usually a lender problem, not a you problem
Two lenders assessing the same household can differ by six figures in borrowing capacity. If a calculator here is not giving you the answer you wanted, it is worth a conversation before you assume the answer is no.