Free Home Loan Calculators
Every calculator is free, instant, and uses real Australian rates and thresholds. No sign-up, no personal data required.
Borrowing Power Calculator
Australian borrowing power calculator: estimate how much you could borrow from your household income, living expenses and existing debts (including a ~3% assessment buffer).
Buy vs Rent
Australian buy vs rent calculator: over a horizon you choose, compare buying (property growth + principal paid) against renting and investing the difference.
Deposit Savings Calculator
Australian deposit savings calculator: enter your deposit goal, current savings, monthly contribution and return to see how long until you've saved enough.
Extra Repayment Calculator
Australian extra repayment calculator: see how much interest you save and how many years you cut off your home loan by paying a bit more each period.
Home Loan Repayment Calculator
Australian home-loan repayment calculator: enter your loan amount, rate and term to see weekly/fortnightly/monthly repayments, total interest, and what extra repayments or an offset could save.
Income Tax Calculator
Australian income tax calculator (2026-27): work out gross-to-net pay including the Medicare Levy, Medicare Levy Surcharge and HELP/HECS repayments.
Interest Only vs P&I
Compare interest-only (IO) and principal & interest (P&I) repayments in Australia: see how much lower IO is early, how much the repayment jumps when it ends, and how much more interest it costs overall.
Loan Comparison
Australian loan comparison calculator: put two 'rate + annual fee' options side by side and compare which is genuinely cheaper over the full term.
Lump Sum Repayment Calculator
Australian lump sum repayment calculator: see how much interest you save and how much sooner you'd pay off your loan by paying a one-off amount in and keeping repayments the same.
Offset Account Calculator
Australian offset account calculator: estimate how much home-loan interest your offset balance saves and how many years earlier you'd pay off the loan.
Refinance Savings Calculator
Australian refinance calculator: compare your current rate with a new rate to see monthly and total savings, and how many months it takes to break even after switching costs.
Stamp Duty + First Home Calculator
Australian stamp duty calculator across all 8 states/territories: duty, first-home concessions, foreign-buyer surcharge and the First Home Owner Grant (2026-27 rules).
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