Financial calculators for Australians. Do the sums first.
Financial calculators for Australians, built around the questions people actually ring us about. What you can borrow, what the repayments are, whether refinancing is worth it, what stamp duty will cost, and how a rental stacks up. No email required, no sign-up, no follow-up.
How accurate are they?
Good enough to be useful, not good enough to bank on. Each one makes standard assumptions and uses one rate. A real lender will look at your actual income, measure your spending their own way, apply their own rules, and care how the loan is set up. Use these to work out whether you are in the right ballpark, then come and have a proper conversation.
These results are general information. They don't take your own situation into account. Check the numbers with the lender, or with us, before you act on them.
Pick the one that matches your question.
Borrowing capacity calculator
Roughly what a lender would give you, based on what you earn, what you spend and what you owe. Worth doing before you start looking.
Home loan repayment calculator
What the repayments would be each month, and what two different rates do to that number. Assumes you are paying the loan down, not just the interest.
Refinance calculator
Put your current loan next to a new one. Shows what you would save a month, what you would save overall, and how long before the switching costs are paid back.
Stamp duty calculator
What stamp duty costs in each state, including the discounts for people living in the place and for first home buyers.
Investment loan calculator
Repayments on a rental property loan, plus a rough idea of where you would land after tax, based on the rent and the tax bracket you pick.
Numbers add up? Let's talk.
A calculator gets you close. A conversation gets you the actual lender, the actual rate, and a loan set up to suit your plan.