Australia
24 calculators built for Australian conditions — Australian loan conventions, Australian tax, and transfer duty from each state’s own published scale.
Australia is the first market. The platform is built for several, but nothing is claimed for a market until the calculators and the regulatory sources behind it exist.
What is covered
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, and how much equity is actually usable.
Investment property
Yield after costs, and what a property costs to hold once tax is accounted for.
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.
Regulatory coverage
Two kinds of calculation appear here. Most are arithmetic — a repayment, a yield, a projection — where the formula is the whole answer. A few depend on rates somebody else publishes, and those are held as versioned rule sets that cite the authority’s own document and state the period they apply to.
| Jurisdiction | Rules | Applies to |
|---|---|---|
| Commonwealth | Income tax | 1 July 2024 to 30 June 2026 |
| Commonwealth | Income tax | 1 July 2026 to 30 June 2027 |
| Commonwealth | Income tax | 1 July 2027 onwards |
| Commonwealth | Medicare levy | 1 July 2026 onwards |
| Australian Capital Territory | Transfer duty (stamp duty) | 1 July 2026 onwards |
| New South Wales | Transfer duty (stamp duty) | 1 July 2026 to 30 June 2027 |
| Northern Territory | Transfer duty (stamp duty) | 1 July 2025 onwards |
| Queensland | Transfer duty (stamp duty) | 1 July 2024 onwards |
| Tasmania | Transfer duty (stamp duty) | 21 October 2013 onwards |
| Victoria | Transfer duty (stamp duty) | 1 July 2021 onwards |
| Western Australia | Transfer duty (stamp duty) | 7 May 2026 onwards |
Transfer duty: seven of eight
Transfer duty — stamp duty — is calculated for 7 jurisdictions: Australian Capital Territory, New South Wales, Northern Territory, Queensland, Tasmania, Victoria, Western Australia. Each is computed from that authority’s published scale for the contract date entered.
How the calculations are built
Arithmetic runs at full precision and is rounded only where a figure is displayed. A schedule that rounds each period to the cent and carries the rounded value forward accumulates error across three hundred and sixty periods; nothing here does that.
Regulatory rates are resolved from the date you supply rather than from today’s date, so a contract signed in a previous year is assessed against the scale that applied to it. Legislated future rates are held as separate versions for the same reason.
For Australian businesses
These calculators can be embedded on a business website, branded to match it, with a call to action that sends the enquiry to that business.
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.
For 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.
For 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.
For 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.