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.
How much an Australian lender would likely let you borrow based on your income, expenses, and debts.
Monthly repayments for any loan amount, rate, and term.
How much faster you'll pay off and how much interest you'll save with extra payments.
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.
Interest you'd save by holding savings in an offset account.
Model a part-fixed, part-variable home loan.
Interest-only vs principal-and-interest repayments compared.
A loan's true comparison rate (interest plus standard fees).
What a honeymoon rate actually costs once it reverts.
Potential savings from refinancing your current loa
Time to pay off your loan at different repayment levels.
Compare two home loans side by side.
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.
Long-term cost comparison between renting and buying.
Deposit needed for your target purchase price.
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.
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.
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.
Long-term growth modelling for savings or investments with compounding.
Track monthly income against expenses to see what's actually left.
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 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
Want real numbers for your situation?
Calculators give you estimates. A Canberra-based mortgage broker gives you the lender-specific reality. We're happy to run your numbers properly - no sign-up, no obligation, no fee.
