Free Home Loan Calculators — 28 Tools for Australian Buyers.
Work out borrowing power, ACT stamp duty, repayments, savings goals, and more. Every calculator is free, instant, and calibrated for Australia. No sign-up needed.
How the calculators are organised
Our 28 calculators are grouped into four categories so you can find what you need fast:
Home loan calculators — borrowing power, repayments, offset, refinancing
Property calculators — stamp duty (ACT, NSW, all states), buying costs, rent vs buy
Income calculators — Australian income tax and lender-style income calculations
Savings calculators — compound interest, budget planning, savings goals
Plus two standalone tools for credit card and leasing decisions.
If you’d rather skip the calculators and talk through your numbers with a Canberra-based mortgage broker, book a free call — no obligation, no fee.
Home Loan Calculators
The mortgage itself — how much you can borrow, what repayments look like, and how different loan features and structures play out over time.
Borrowing power calculator
How much an Australian lender would likely let you borrow based on your income, expenses, and debts.
Loan repayment calculator
Monthly repayments for any loan amount, rate, and term.
Extra repayment calculator
How much faster you'll pay off and how much interest you'll save with extra payments.
Lump sum repayment calculator
The impact of a one-off lump sum on your balance and total interest.
Fortnightly repayment calculator
Fortnightly vs monthly repayments — the difference adds up.
Offset account calculator
Interest you'd save by holding savings in an offset account.
Split loan calculator
Model a part-fixed, part-variable home loan.
Interest-only calculator
Interest-only vs principal-and-interest repayments compared.
Comparison rate calculator
A loan's true comparison rate (interest plus standard fees).
Introductory rate calculator
What a honeymoon rate actually costs once it reverts.
Mortgage switching calculator
Potential savings from refinancing your current loa
How long to repay calculator
Time to pay off your loan at different repayment levels.
Loan comparison calculator
Compare two home loans side by side.
Reverse mortgage calculator
Equity release estimate for older Australians.
Property Calculators
The transaction side of property — upfront costs, deposit planning, and the rent-vs-buy decision. The stamp duty calculator covers every Australian state and territory, including ACT-specific rates and concessions.
Stamp duty calculator (all states)
State-by-state stamp duty including ACT HBCS and first home buyer concessions.
Property buying costs calculator
Full upfront costs — stamp duty, conveyancing, inspections, lender fees.
Property selling costs calculator
Agent commission, marketing, conveyancing on the sale side.
Rent vs buy calculator
Long-term cost comparison between renting and buying.
Home deposit calculator
Deposit needed for your target purchase price.
How long to save calculator
Time required to save your deposit at your current savings rate.
Income Calculators
Australian income tax for the current financial year, plus the income calculations lenders use to assess your serviceability.
Income tax calculator
Australian tax for the current financial year (ATO brackets, Medicare levy, LITO/LMITO where applicable).
Income annualisation calculator
Convert weekly, fortnightly, or part-year income into an annual figure.
Income gross-up calculator
Work out gross income from a net figure, including PAYG and Medicare.
Savings Calculators
For building wealth outside the mortgage — savings goals, compound growth, and household budgeting.
Compound interest calculator
Long-term growth modelling for savings or investments with compounding.
Budget planner
Track monthly income against expenses to see what's actually left.
Savings calculator
Reach a savings goal by a target date with regular contributions.
Additional calculators
Two more tools that don't fit neatly into the categories above but are worth a look:
Credit card repayment calculator
True cost of credit card debt — and the trap of paying only the minimum
Lease calculator
Lease repayments for cars, equipment, or other leased assets.
Which calculator should I start with?
- Buying your first home in Canberra? Start with borrowing power, then ACT stamp duty, then home deposit.
- Refinancing? Mortgage switching shows your savings potential.
- Investing in property? Interest-only + loan comparison + property buying costs.
- Building wealth outside the mortgage? Compound interest + budget planner.
Frequently asked questions
Q1- Are these calculators free?
Yes — every calculator is free to use, with no sign-up required. You can use them anonymously.
Q2 - How accurate are they?
The calculators use the same standard formulas Australian lenders use for repayments, interest, stamp duty, and tax calculations. They're designed for accurate estimates. For a number specific to your situation — including lender-specific borrowing capacity —
Q3 - Do they handle ACT-specific calculations?
Its handles all Australian states and territories including the ACT's specific rates and concessions (HBCS and first home buyer relief).
Q4 - How often are they updated?
Ans : Stamp duty rates update as state and territory revenue offices publish changes (typically annually, plus ad hoc budget updates). Income tax brackets update at the start of each Australian financial year (1 July). Interest rate defaults reflect the current market — but you can override every input..
Q5 - Can these replace a mortgage broker?
No — and they're not designed to. Calculators give you the numbers. A broker helps you interpret them in light of your specific lender choice, structure, and goals. Use the calculators to get oriented, then
