Calculators

Take control of your home loan journey. Explore our free suite of calculators to make informed financial decisions today.

Mortgage Calculators

20 free calculators to help you make smarter property decisions

360° Home Loan Assessor Hot!

A complete snapshot: borrowing power, LVR, LMI, stamp duty and grant eligibility in one place.

Property Details
$
$
Income & Expenses
$
$
$
$
Loan
%

Mortgage Repayment Calculator

$
%
yrs

Borrowing Power Calculator

Income
$
$
$
Expenses & Liabilities
$
$
Loan Details
%
yrs

Refinance Calculator

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%
%
yrs
$

Buy Now or Save More Calculator

Should you buy now with your current deposit, or keep saving for a bigger one?

Property
$
$
%
Savings Plan
$
%
$
Assumptions
%
%

Loan-to-Value Ratio (LVR) Calculator

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$
$

Lenders Mortgage Insurance (LMI) Calculator

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$

Stamp Duty Calculator

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Home Buying Costs Calculator

See every cost involved in buying a property — not just the deposit.

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$

First Home Owner Grant (FHOG) Calculator

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Guarantor Home Loan Calculator

See how a parent or family member's property can help you buy sooner with no LMI.

Your Purchase
$
$
%
yrs
Guarantor's Property
$
$

Home Equity Calculator

$
$

Exit Strategy Calculator

Plan your transition from Interest Only to Principal & Interest, or model a sale.

$
%
yrs
yrs
$
%

Fixed Rate Break Cost Calculator

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%
%
months

RBA Cash Rate Calculator New!

See how RBA rate changes impact your repayments. Current RBA cash rate: 4.10% (as at mid-2025).

$
%
yrs
moves

Income Tax Calculator

Australian 2024–25 tax rates including LITO, Medicare Levy and HECS/HELP.

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$
$

Credit Score Estimator

Answer a few quick questions to get an indicative credit score estimate (Equifax 0–1200 scale).

Amortization Calculator

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yrs
mo
%
$

Income Annualisation Calculator

$
$

Interest Only Mortgage Calculator

$
%
yrs
yrs

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