Home Loan and Property Calculators
Calculate mortgage repayments, borrowing power, stamp duty, rental yield and more for Australian property.
- Mortgage Repayment Calculator
Calculates principal and interest home loan repayments and total interest.
- Borrowing Power Calculator
Estimates how much a lender may let you borrow based on income and expenses.
- Stamp Duty Calculator (NSW)
Estimates NSW transfer (stamp) duty on a property purchase.
- Home Deposit Savings Calculator
Works out how long it will take to save a home deposit.
- LVR Calculator
Calculates your loan-to-value ratio and whether lenders mortgage insurance is likely.
- Extra Mortgage Repayments Calculator
Shows how much interest and time extra home loan repayments save.
- Offset Account Calculator
Calculates interest and time saved by keeping money in an offset account.
- Rental Yield Calculator
Calculates gross and net rental yield on an investment property.
- Negative Gearing Calculator
Estimates the tax saving and real weekly cost of a negatively geared property.
- Capital Gains Tax Calculator
Estimates capital gains tax on selling property or shares.
- Home Loan Refinance Calculator
Shows whether refinancing to a lower rate is worth the switching costs.
- Rent vs Buy Calculator
Compares the first-year cost of renting with buying a home.
- Rent Affordability Calculator
Shows how much rent you can afford using the 30% of income rule.
- Interest-Only vs Principal and Interest Calculator
Compares interest-only repayments with principal and interest over the life of a loan.
- Split Home Loan Calculator
Calculates repayments on a home loan split between fixed and variable rates.
- Home Equity Calculator
Calculates your home equity and how much of it lenders will usually let you use.
- Property Purchase Costs Calculator
Adds up the upfront costs of buying a property on top of your deposit.
- First Home Super Saver Calculator
Estimates the benefit of saving a first home deposit through super under the FHSS scheme.
About these calculators
Buying property in Australia involves a deposit, stamp duty, lender requirements such as the APRA serviceability buffer, and ongoing repayments that move with interest rates. Investors also weigh rental yield, negative gearing and capital gains tax.
Questions
- Do these calculators match what my bank will say?
- Lenders use their own models, expense benchmarks and policies. Use these results to prepare, then speak to a lender or broker.
- Are stamp duty rates current?
- Duty thresholds are indexed or changed regularly. Always confirm with your state revenue office before relying on a figure.
- Is this financial advice?
- No. The calculators give general estimates only and don’t consider your objectives or financial situation.
Guides
- Using a Mortgage Repayment Calculator in Australia: A Step-by-Step Guide
Calculates principal and interest home loan repayments and total interest. Includes the formula, a worked example with Australian figures and tips.
- Common Mortgage Repayment Mistakes (and a Better Way)
Common mistakes when working out mortgage repayment in Australia, and how to get a result you can rely on.
- Borrowing Power Calculator Explained for Australians
Estimates how much a lender may let you borrow based on income and expenses. Includes the formula, a worked example with Australian figures and tips.
- Borrowing Power Mistakes Australians Make and How to Avoid Them
Common mistakes when working out borrowing power in Australia, and how to get a result you can rely on.
- How the Stamp Duty Calculator (NSW) Works (With a Worked Example)
Estimates NSW transfer (stamp) duty on a property purchase. Includes the formula, a worked example with Australian figures and tips.
- Getting the Most From a Stamp Duty Calculator (NSW): Tips and Common Errors
Common mistakes when working out stamp duty in Australia, and how to get a result you can rely on.
- Home Deposit Savings Calculator: Formula, Example and What the Result Means
Works out how long it will take to save a home deposit. Includes the formula, a worked example with Australian figures and tips.
- Home Deposit Savings: What to Check Before You Trust the Number
Common mistakes when working out home deposit savings in Australia, and how to get a result you can rely on.
- Using a LVR Calculator in Australia: A Step-by-Step Guide
Calculates your loan-to-value ratio and whether lenders mortgage insurance is likely. Includes the formula, a worked example with Australian figures and tips.
- Common LVR Mistakes (and a Better Way)
Common mistakes when working out LVR in Australia, and how to get a result you can rely on.
- Extra Mortgage Repayments Calculator Explained for Australians
Shows how much interest and time extra home loan repayments save. Includes the formula, a worked example with Australian figures and tips.
- Extra Mortgage Repayments Mistakes Australians Make and How to Avoid Them
Common mistakes when working out extra mortgage repayments in Australia, and how to get a result you can rely on.
- How the Offset Account Calculator Works (With a Worked Example)
Calculates interest and time saved by keeping money in an offset account. Includes the formula, a worked example with Australian figures and tips.
- Getting the Most From a Offset Account Calculator: Tips and Common Errors
Common mistakes when working out offset account in Australia, and how to get a result you can rely on.
- Rental Yield Calculator: Formula, Example and What the Result Means
Calculates gross and net rental yield on an investment property. Includes the formula, a worked example with Australian figures and tips.
- Rental Yield: What to Check Before You Trust the Number
Common mistakes when working out rental yield in Australia, and how to get a result you can rely on.
- Using a Negative Gearing Calculator in Australia: A Step-by-Step Guide
Estimates the tax saving and real weekly cost of a negatively geared property. Includes the formula, a worked example with Australian figures and tips.
- Common Negative Gearing Mistakes (and a Better Way)
Common mistakes when working out negative gearing in Australia, and how to get a result you can rely on.
- Capital Gains Tax Calculator Explained for Australians
Estimates capital gains tax on selling property or shares. Includes the formula, a worked example with Australian figures and tips.
- Capital Gains Tax Mistakes Australians Make and How to Avoid Them
Common mistakes when working out capital gains tax in Australia, and how to get a result you can rely on.
- How the Home Loan Refinance Calculator Works (With a Worked Example)
Shows whether refinancing to a lower rate is worth the switching costs. Includes the formula, a worked example with Australian figures and tips.
- Getting the Most From a Home Loan Refinance Calculator: Tips and Common Errors
Common mistakes when working out home loan refinance in Australia, and how to get a result you can rely on.
- Rent vs Buy Calculator: Formula, Example and What the Result Means
Compares the first-year cost of renting with buying a home. Includes the formula, a worked example with Australian figures and tips.
- Rent vs Buy: What to Check Before You Trust the Number
Common mistakes when working out rent vs buy in Australia, and how to get a result you can rely on.
- Using a Rent Affordability Calculator in Australia: A Step-by-Step Guide
Shows how much rent you can afford using the 30% of income rule. Includes the formula, a worked example with Australian figures and tips.
- Common Rent Affordability Mistakes (and a Better Way)
Common mistakes when working out rent affordability in Australia, and how to get a result you can rely on.
- Interest-Only vs Principal and Interest Calculator Explained for Australians
Compares interest-only repayments with principal and interest over the life of a loan. Includes the formula, a worked example with Australian figures and tips.
- Interest-Only vs Principal and Interest Mistakes Australians Make and How to Avoid Them
Common mistakes when working out Interest-Only vs principal and interest in Australia, and how to get a result you can rely on.
- How the Split Home Loan Calculator Works (With a Worked Example)
Calculates repayments on a home loan split between fixed and variable rates. Includes the formula, a worked example with Australian figures and tips.
- Getting the Most From a Split Home Loan Calculator: Tips and Common Errors
Common mistakes when working out split home loan in Australia, and how to get a result you can rely on.
- Home Equity Calculator: Formula, Example and What the Result Means
Calculates your home equity and how much of it lenders will usually let you use. Includes the formula, a worked example with Australian figures and tips.
- Home Equity: What to Check Before You Trust the Number
Common mistakes when working out home equity in Australia, and how to get a result you can rely on.
- Using a Property Purchase Costs Calculator in Australia: A Step-by-Step Guide
Adds up the upfront costs of buying a property on top of your deposit. Includes the formula, a worked example with Australian figures and tips.
- Common Property Purchase Costs Mistakes (and a Better Way)
Common mistakes when working out property purchase costs in Australia, and how to get a result you can rely on.
- First Home Super Saver Calculator Explained for Australians
Estimates the benefit of saving a first home deposit through super under the FHSS scheme. Includes the formula, a worked example with Australian figures and tips.
- First Home Super Saver Mistakes Australians Make and How to Avoid Them
Common mistakes when working out first home super saver in Australia, and how to get a result you can rely on.