Repayments
Estimate your repayments by week, fortnight or month, principal and interest or interest only.
Free tools
Free home loan calculators: run your own numbers
Twelve free calculators to explore your options before we chat. Play with the figures as much as you like, no sign-up, no sales call. Every result is an estimate for general information only.
Loan calculators
Your loan and your repayments
Work out what a loan costs, how fast it can disappear, and whether a switch would leave you ahead. Each tool shows its assumptions, which you can change to match your own situation.
Amortisation and extra repayments
See how a little extra each repayment could cut years and interest off your loan, year by year.
Offset account
Work out how money parked in an offset account could reduce your interest and shorten your loan.
How long to repay
Enter the repayment you actually make and see when your loan hits zero, plus what a small extra would do.
Refinance
Compare your current loan with a rate you've been quoted: repayment difference, break-even and interest saved.
DHOAS subsidy
Estimate the monthly Defence Home Ownership Assistance Scheme subsidy from your tier, loan amount and the DHOAS published rate.
Buying costs
Plan your purchase
Duty, deposit and equity are where most purchases are won or lost. Get a feel for the numbers before you start inspecting.
Stamp duty
Estimate transfer duty state by state, including first home buyer concessions where they apply.
LVR
Work out your loan-to-value ratio when buying or on an existing loan, and where you sit against the common lending bands.
Equity
See your total equity and how much you could typically access for a renovation, your next home or an investment.
Income & savings
Your income and your savings
Understand what your payslip says to a lender, watch a savings plan compound, and test an investment property's cashflow.
Income annualiser
See the year-to-date figure on your payslip roughly the way a lender's assessor reads it, with overtime and commission split out.
Compound savings
Work out the regular deposit that reaches your savings target, or what your saving habit grows to with compound interest.
Negative gearing
A guide to an investment property's rental cashflow before and after tax, including the effect of deductions.
Free tools, no sign-up. All results are estimates for general information only, not credit advice.
Borrowing power
Looking for a borrowing power calculator?
You won't find one here, and that's deliberate. Online borrowing power calculators can be out by hundreds of thousands of dollars, because every lender treats your income, expenses and existing debts differently. Two lenders can look at exactly the same situation and land on very different numbers, so a generic figure can send your plans in the wrong direction before you've even started.
Every lender calculates borrowing power differently - get an accurate figure in a 15-minute chat.