Loan calculators
Model the numbers before you talk to a lender. No sign-up, no email — the maths runs entirely in your browser.
Enter loan amount, annual rate, term and repayment frequency to get monthly / fortnightly / weekly repayments, total interest and the interest-to-principal ratio.
Rough estimate of maximum borrowing under the APRA 3% buffer, based on household income, expenses, credit-card limits and other loan commitments.
Calculates base duty, concessions, surcharges and FHOG by state/territory, price, property use, first-home-buyer status and foreign-buyer status.
Compares current and new loan rates to estimate monthly savings, break-even months and net saving over the remaining term, after refi costs and lender cashback.
Calculate IO-period repayments, the step-up when IO ends, and the total cost difference between IO and straight P&I paths.
Models how an offset balance reduces interest and shortens the loan term.
Computes tax under 2025-26 post-Stage 3 resident / non-resident / WHM brackets; includes Medicare Levy, MLS and HELP repayments.
A 7-year side-by-side comparison between owner-occupier (deposit + repayments + holding costs + capital growth) and renting (rent + 4% p.a. reinvestment of the surplus).
Lists deposit, stamp duty, LMI, conveyancer, valuation, inspection, registration and moving costs — a complete upfront cash budget.
Projects an account's end balance, total contributions and interest earned over N years, given initial principal, monthly contribution, annual rate and compounding frequency.