Australian finance calculators
Plan, compare and stress-test before you commit
Five interactive calculators — pick one, slide the inputs, see the answer. Nothing leaves your browser.
Adjust loan amount, term, rate and repayment frequency to see your weekly, fortnightly or monthly payment and the total interest paid over the life of the loan. Toggle between principal-and-interest and interest-only to see how each affects your repayments — and what they revert to once the interest-only period ends.
Estimate your maximum borrowing capacity based on income, expenses, dependents and existing commitments. Uses simplified ATO tax brackets and HEM-style living-cost assumptions — actual lender assessments may vary.
Calculate stamp duty on residential purchases in any Australian state or territory. Includes owner-occupier and first home buyer concessions where applicable — concession rules and thresholds vary by state.
How much could you save by refinancing to a lower rate? Compare your current loan against a hypothetical new rate to see monthly and lifetime savings.
How much faster could you pay off your loan, and how much interest could you save, by making extra monthly repayments? Even small additional payments can have a meaningful impact.
Important note
Calculator assumptions and disclaimers
These calculators give a realistic starting point — not a precise lender assessment. Actual borrowing capacity, repayments, rates, fees and stamp duty depend on your specific circumstances, lender selection and current market conditions. Stamp duty bands are based on general purchaser rates and concessions current at the time of writing for each state and territory; we recommend confirming with the relevant state revenue office. We recommend a discovery call before relying on any of these numbers for a purchase decision.
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"We refinanced our commercial property and unlocked equity for a second purchase — they structured the whole deal across two lenders. Saved us hundreds of basis points."
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