Mortgage and finance calculators.
Estimate repayments, borrowing power, stamp duty and refinance savings. Plain-English maths, instant results, no sign-up required.
Loan Repayment Calculator
Estimate your monthly repayments based on loan amount, interest rate, and term. Adjust the sliders to compare different scenarios and find the right balance.
Instant Results
See monthly payments, total interest, and total cost
Visual Breakdown
See how much goes to principal vs interest
Calculator results are estimates only and do not constitute a quote or offer of finance. Actual repayments will depend on your individual circumstances, credit assessment, and the lender's terms. Fees and charges may apply.
Borrowing Power Calculator
Estimate how much you could borrow based on your income, expenses, and financial commitments. This gives you a starting point for your property search or finance application.
Income-Based Estimate
After-tax income, tested at your rate plus APRA's 3 point buffer
Adjustable Factors
The higher of your expenses and the HEM benchmark, plus debts
Calculator results are estimates only and do not constitute a quote or offer of finance. Actual repayments will depend on your individual circumstances, credit assessment, and the lender's terms. Fees and charges may apply.
Calculators for Every Loan Type
Jump straight to a calculator tailored for your specific loan type.
Car Loan Calculator
Weekly, fortnightly or monthly repayments with a deposit and an optional balloon, and what the balloon adds.
Balloon vs no balloonCar Depreciation Calculator
What the car is worth each year at the 15% rule of thumb, the ATO 25% rate or your own figure.
Drive-off loss includedEquipment Finance Calculator
Repayments on equipment and machinery, including balloon and the upfront GST credit.
From $5K to $5MBusiness Loan Calculator
Estimate repayments for working capital and business expansion.
From $5K to $5MHome Loan Repayment Calculator
Calculate monthly, fortnightly or weekly mortgage repayments and the impact of extra repayments.
Includes extra-repayments savingsRefinance Calculator
See how much you could save by refinancing your existing loan.
Compare your current rateStamp Duty Calculator
Estimate stamp duty costs for your property purchase by state.
All states & territoriesBorrowing Power Calculator
Estimate how much you could borrow based on your income and expenses.
Income-based estimateHEM Calculator
An indicative Household Expenditure Measure range for your household, income and location, and what it does to borrowing.
Monthly, fortnightly, weekly, annualLMI Calculator
Estimate Lenders Mortgage Insurance costs based on your deposit.
LVR & LMI tiersHome Equity Calculator
Usable equity at 80% and 90% LVR from your property value and loan balance.
Rule of four for investorsRenovation Finance Calculator
Top-up over the mortgage, top-up repaid faster, or a personal loan: repayments and total interest side by side.
Emu Money $100,000 exampleExtra Repayment Calculator
Interest saved and years cut by extra monthly repayments or a lump sum.
Fixed-rate caps notedReverse Mortgage Calculator
Borrowing limit by age and how the balance compounds at 3.95% and a commercial rate.
Moneysmart age guideUpfront Buying Costs Calculator
Stamp duty, LMI, registration, PEXA, conveyancing and inspections added to the deposit, by state.
PEXA and registry defaultsRent vs Buy Calculator
Renting against buying the same home over your horizon, with every assumption editable.
Net wealth at the horizonNovated Lease Calculator
Estimate after-tax savings on a packaged car versus a straight car loan.
EV FBT exemption includedPersonal Loan Calculator
Estimate repayments and total interest for a personal loan, secured or unsecured.
From $2K to $80KWARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are calculated on a secured loan of $150,000 over 25 years for home loans, a loan of $30,000 over 5 years for car and personal loans, and $50,000 over 5 years for equipment finance, unless the lender states another basis.
Ready for a Real Quote?
Our calculators give estimates. For an accurate, personalised quote based on your circumstances, apply today, it's free and won't affect your credit score.