Mortgage calculators built by analysts, not marketers.
Eight calculators covering every stage of an Australian home loan — pre-shop, purchase, refinance and optimise. Every figure is computed locally; nothing is sent to our servers, nothing is stored. Tap a tile to start.
Not sure which one fits your scenario?
Repayment calculator
Monthly + total interest by loan size, rate and term. Principal & interest or interest-only.
Borrowing power
How much could you actually borrow given income, expenses and existing debts?
Refinance savings
Current loan vs a new rate — monthly saving + break-even months.
Stamp duty
State-by-state, factoring in first-home and concession thresholds.
LMI estimator
Lender's Mortgage Insurance estimate by deposit size, loan amount and OO/INV.
Offset savings
Model how an offset balance shaves years and interest off your loan.
Extra repayments
What an extra $X/month or a one-off lump sum does to your loan term.
Income required
Working backwards from a property price + deposit to the household income you need.
Tax depreciation schedule
Div 40 + Div 43 with diminishing-value vs prime-cost. Builds a year-by-year depreciation table investors can hand straight to their accountant.
Property cashflow
Full investor P&L: rent, holding costs, vacancy, repayments — plus a sensitivity matrix and chart.
Rental yield
Gross + net yield + breakeven occupancy on any property + rent input.
Renovation feasibility
Uplift vs reno spend with residual valuation — should you fund the bathroom or skip it?
Building cost
Per-m² regional construction cost by spec tier (basic / mid / premium).
Income tax (AU)
2025-26 income tax brackets + Medicare levy + LITO. Net pay calculator for borrowing power inputs.
Granny flat ROI
Build cost vs weekly rent vs payback for a secondary dwelling. Backyard Grannys and BMT charge for this — ours is free.
SMSF property borrowing
Maximum SMSF property purchase price + LRBA borrowing capacity, with LVR caps and compliance flags.
Tell the assistant your scenario — it picks the right calculator.
Five questions, no sign-up, no email. The assistant maps your situation to the calculator that’ll answer it — or hands you to a broker if it’s a question only a real person can answer.
What people ask before running the numbers.
Which calculator should I use first?
If you're shopping for a property, start with Borrowing Power to see how much a lender will lend, then Stamp Duty for your state. If you're refinancing, start with Refinance Savings — it shows your monthly saving and how many months until you break even on switching costs. If you already have a rate and want to see total interest over the life of the loan, use the Repayment calculator.
Are these calculators accurate for my specific situation?
The maths is the maths — every calculator uses the standard Australian banking formulas (amortising principal & interest, statutory comparison-rate base of $150,000 over 25 years, state-specific stamp-duty schedules). What they can't predict is what a specific lender will actually approve for you, because that depends on your income evidence, credit history, deposit and lender policy at the time of application. Use the calculator output as a planning baseline, then book a broker consult to validate against real lender appetite.
Why don't I have to enter my email or sign up?
Every calculator runs entirely in your browser using JavaScript. The numbers you type never leave your device — they're not sent to our servers, not stored, not used for analytics. We deliberately built the calculators this way so you can model your scenario without joining a remarketing list. If you decide to talk to a broker afterwards, that's a separate, opt-in step.
How does comparison rate fit in?
Comparison rate is the statutory true-cost rate mandated by the National Consumer Credit Protection Act 2009 — it bundles the headline rate with standard fees so you can compare products fairly. The Repayment, Refinance Savings and Income Required calculators all let you input either the headline rate or the comparison rate; for like-for-like product comparisons, use the comparison rate.