Australia
Financial calculators your customers use on your website.
BreakDecisions gives mortgage brokers, buyers’ agents, accountants and advisers a set of Australian calculators to embed on their own site — branded to their business, calculated against the actual rates, and handing the enquiry straight to them.
Someone working out their repayment or their stamp duty is making a decision. If they make it on your site, you are already part of it.
Accounts are not open yet — the calculators, the demo and everything else on this site work now. Get in touch if you want to embed them.
What it does
41 Australian calculators
Home loans, buying and selling property, tax, investment and saving. Built for Australian conventions rather than adapted from somewhere else.
Embedded on your site
One script tag. Six layouts, from a single calculator to a tabbed set. Resizes to fit the space it is given and needs no changes to your theme.
Rates you can check
Every regulated figure comes from a rule set citing the authority’s own publication, the date it was retrieved, and the period it applies to.
Analytics without the financial data
You see views, starts, calculations and click-throughs. What a visitor typed — their salary, their loan, their deposit — is never stored here.
Why it is different
Most embeddable calculators are a formula in a box. The arithmetic is usually right and almost nothing else is stated: not what it assumes, not which rates it used, not when those rates applied, and not what the answer means for the decision being made.
Rates are resolved from your date, not from today
Duty is assessed against the scale in force when the contract was signed, and income tax against the year it belongs to. A calculator that only knows this year’s rates gives a confidently wrong answer to anybody checking last year’s contract.
Every regulated number names its source
Not a link to a revenue office’s home page — the specific document, the authority that published it, and the date it was retrieved. Duty is calculated for 7 of Australia’s eight jurisdictions, and the one that is missing is missing because the schedule could not be verified.
The calculator is not buried under an essay
Two or three sentences, then the fields. The explanation lives below the answer, where it helps somebody interpret a number they already have.
Visitor financial inputs are never persisted
Amounts are processed in the browser and stay there. The analytics record which calculator was used and what happened, not what was entered — and a release-blocking test asserts that no financial field can reach the events table.
Who it is for
Mortgage brokers
A broker’s visitors arrive mid-decision with a specific loan in mind, and the questions are comparative — this loan against that one, this repayment against a faster one. The calculators that matter are the ones that put two scenarios side by side.
Buyers’ agents
A buyers’ agent’s visitors are pre-purchase and cost-focused: they need the total, in a specific state, before they can act. Duty accuracy and its provenance matter here in a way they do not on a repayment page.
Accountants
An accountant’s visitors ask about tax positions rather than loan products, and the value of the answer depends entirely on whether the rates are right and attributable. Source provenance is the differentiator on these pages.
Financial advisers
An adviser’s visitors are exploring rather than transacting, and the useful output is sensitivity — how much the answer moves when an input does. The privacy position also matters more here than elsewhere, because the questions are personal.
The calculators
Grouped by what somebody is trying to work out. Every one states its assumptions and where it stops being reliable.
Home loans and repayments
What a loan costs each period and in total, and what changes when you pay differently.
Comparing and refinancing
Two loans side by side, and whether switching pays for itself.
Buying and selling property
Transfer duty from each state’s published scale, the total cash needed to buy, and what is left after a sale.
Deposit, equity and LVR
The ratios lenders decide on, how much equity is actually usable, and what mortgage insurance does to both.
Investment property
Yield after costs, what a property costs to hold once tax is accounted for, and what it costs to sell.
Tax and income
Income tax and the Medicare levy from the Commonwealth rates, and pay converted to a comparable annual figure.
Saving and investing
Reaching a target, and what compounding does over time.
Other debt
Clearing a balance at a fixed repayment, and what the wait costs.
What you can afford
Scenarios built on assumptions you set rather than on lender policy nobody publishes: what a household can service, what it can spend, and what price that reaches.
Business and equipment finance
Financing an asset, and how much debt a business cashflow will carry at the covenant it is held to.
Have a look
The calculators are public and free to use, whether or not you ever embed one. The demo runs the same widget a customer’s visitors would see.