Financial Calculators
Financial Calculator Suite
A complete collection of calculators to help you plan, compare and make confident financial decisions — from first home buyers to seasoned investors.
Loan Calculators
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Loan Repayment Calculator
Car, Personal & Home loans with balloon payment and offset account options. PDF export.
Car · Personal · Home
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Borrowing Power
Estimate your maximum borrowing capacity based on income, expenses, debts and dependants.
Home Loan
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Mortgage Switching
Compare your current rate vs a new loan. See monthly savings, break-even point and lifetime benefit.
Refinance
Property Calculators
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Stamp Duty
All 8 Australian states & territories with 2025–26 rates, First Home Buyer concessions and foreign buyer surcharge.
2025–26 Rates
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Property Buying Costs
Total upfront costs — stamp duty, LMI, legal, inspection, moving. Know exactly how much cash you need.
Buying
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Property Selling Costs
Agent commission, marketing, legal, mortgage payout and basic CGT estimate. Know your net proceeds.
Selling
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Rent vs Buy
Compare the net wealth outcome of buying vs renting & investing over your chosen time horizon.
Property
Savings, Budget & Income
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How Long to Save
Set your deposit goal, enter your current savings and monthly contributions — find your target date.
Savings
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Budget Calculator
Track income vs expenses, see your monthly surplus and check against the 50/30/20 rule.
Budget
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YTD Income Calculator
Annualise year-to-date income from payslips for loan serviceability. Supports multiple income sources and all pay frequencies.
Payslip · Serviceability
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Income Annualisation
Convert hourly, daily, weekly or monthly pay to annual. Includes bonuses, rental income and how lenders assess it.
PAYG · Casual · Self-Employed
Need expert guidance? Our loan specialists can walk you through the numbers.
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