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Explore the calculators

Australian financial calculators

41 calculators covering home loans, buying and selling property, tax, investment and saving. Each one states what it assumes and where it stops being right.

The regulated ones — stamp duty, income tax — calculate from the authority’s own published schedule for the date you enter, and show you which schedule that was.

Home loans and repayments

What a loan costs each period and in total, and what changes when you pay differently.

  • Home loan repayment calculator

    Works out the regular repayment on a home loan, and what it adds up to in interest over the full term.

  • Fortnightly repayment calculator

    Separates the two things people mean by "paying fortnightly": genuinely repaying every fortnight, and paying half a monthly repayment every fortnight — which is thirteen monthly repayments a year.

  • Extra repayment calculator

    Shows how paying more than the minimum each period shortens a home loan and cuts the interest paid.

  • Lump sum repayment calculator

    Shows what a one-off extra repayment does to a home loan: the balance after it, the time saved and the interest avoided.

  • Offset account calculator

    Estimates what holding a balance in a full offset account saves in interest, and how much sooner the loan closes if repayments stay the same.

  • How long to repay calculator

    Works out how long a loan takes to clear at a chosen repayment, and what it costs in interest along the way.

  • Interest-only calculator

    Shows the repayment during an interest-only period, the higher repayment once it ends, and the extra interest it costs over the loan.

Comparing and refinancing

Two loans side by side, and whether switching pays for itself.

  • Loan comparison calculator

    Compares two home loans on repayment, total interest and total cost, so the difference between them is explicit.

  • Refinance break-even calculator

    Compares your current loan with a refinance offer over the same remaining term, and shows how long the switching costs take to recover.

  • Split loan calculator

    Works out repayments and total interest for a loan split across two portions, each with its own rate, term and repayment frequency.

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.

  • Stamp duty calculator

    Works out transfer duty on a residential purchase from the statutory scale published by the state or territory, for the contract date you give.

  • Property buying costs calculator

    Adds transfer duty to your deposit and the other upfront costs, to show the cash you need to complete a purchase.

  • Property selling costs calculator

    Works out what is left after agent commission, marketing, legal fees and repaying the loan.

  • Purchase cost range calculator

    Brackets the cost of completing a purchase: transfer duty exactly from the statutory scale, and the professional fees you have been quoted as a low-to-high range.

  • Conveyancing cost calculator

    Puts conveyancing quotes on the same footing — GST in or out, disbursements in or out — and totals what the legal side of a purchase will actually cost you.

  • Rent vs buy calculator

    Compares the net position of buying against renting and investing the difference, over a horizon you choose, with transfer duty taken from the statutory scale.

Deposit, equity and LVR

The ratios lenders decide on, how much equity is actually usable, and what mortgage insurance does to both.

  • LVR calculator

    Works out the loan-to-value ratio: how much is borrowed as a percentage of what the property is worth.

  • Home equity calculator

    Works out gross equity in a property, and how much could be released while staying within a loan-to-value ratio you choose.

  • LMI impact calculator

    Shows what a lenders mortgage insurance premium you have been quoted does to your loan: the repayment, the loan-to-value ratio, and what capitalising it costs in interest.

  • Reverse mortgage calculator

    Projects how a reverse mortgage balance grows when nothing is repaid, and what equity is left against an assumed property value.

Investment property

Yield after costs, what a property costs to hold once tax is accounted for, and what it costs to sell.

  • Rental yield calculator

    Works out gross and net rental yield on an investment property, allowing for vacancy and operating costs.

  • Negative gearing calculator

    Works out what an investment property costs after tax, by comparing tax on your income with and without the property’s rental loss.

  • Investment property cashflow calculator

    Works out what an investment property costs or returns each year: rent after vacancy, every holding cost, the loan, and the tax effect computed from the statutory scale.

  • Property depreciation calculator

    Works out the capital works and plant and equipment deductions on an investment property from the cost, rate, effective life and method you supply, apportioned by days held.

  • Capital gains tax calculator

    Works out the capital gain on an asset from its cost base, applies losses and any discount you are entitled to, and computes the tax as the difference the gain makes to your assessment on the statutory scale.

Tax and income

Income tax and the Medicare levy from the Commonwealth rates, and pay converted to a comparable annual figure.

  • Income tax calculator

    Works out income tax and the Medicare levy on a resident individual’s taxable income, using the statutory rate scale for the income year you choose.

  • Income annualisation calculator

    Converts pay quoted hourly, weekly, fortnightly, monthly or quarterly to a yearly figure.

  • Income gross-up calculator

    Converts an after-tax amount back to the taxable income that produces it, using the statutory rate scale — or grosses up a non-taxable amount by a factor you set.

  • Ownership structure comparison

    Compares the tax on the same profit held personally, in a company, or in a trust distributed between two adults — using the statutory scale for the individuals and a company rate you set.

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.

  • Borrowing scenario calculator

    Solves for the loan a set of assumptions you control will support — income, declared expenses, commitments, an assessment buffer and a surplus you want to keep.

  • Maximum purchase price calculator

    Works out the highest price you can complete on, given what you can borrow and the cash you have, once transfer duty and purchase costs are paid out of the same money.

  • Household budget calculator

    Puts income and every expense on one cycle and shows what is left: surplus a week, a month and a year, the share of income going to housing, and where the money actually goes.

Business and equipment finance

Financing an asset, and how much debt a business cashflow will carry at the covenant it is held to.

  • Chattel mortgage calculator

    Works out the payment, total cost and interest on a chattel mortgage for a vehicle or item of equipment, including a balloon or residual where the contract has one.

  • Equipment and vehicle lease calculator

    Works out the payment and total cost of an equipment or vehicle lease over its term, including anything paid up front and the residual owing at the end.

  • Business debt service calculator

    Solves for the additional facility a business cashflow supports at a debt service coverage ratio you set, after existing commitments.

Where the numbers come from

Calculations run at full precision and are rounded only for display. Regulatory rates are held as versioned rule sets, each citing the authority’s own publication and the date it was retrieved, and each stating the period it applies to — so a purchase contracted last year is assessed against last year’s scale rather than today’s.