Run the numbers before you sign anything.
Nine calculators — repayments, borrowing power, stamp duty across every Australian state, extra repayments, interest-only, tax deductions, land tax and a full amortisation schedule. Same logic I use when structuring a file. Defaults reflect rates and rules current as at May 2026.
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Tap the chat assistant at the bottom-right of the screen — ask about deposits, borrowing power, first-home buyer grants, refinancing or LMI, any time of day.
Principal & Interest repayments
Your monthly repayment, total interest, and the impact of extra repayments.
P&I Summary
Principal & Interest breakdown
How much can you borrow?
Income, expenses and commitments → a realistic borrowing ceiling based on common lender servicing rules.
Borrowing Power Summary
Estimated servicing ceiling using APRA-style buffer
Stamp duty calculator
State-by-state transfer duty, including first-home-buyer concessions and foreign-buyer surcharges where applicable.
Stamp Duty Summary
Base transfer duty + surcharges & concessions
Extra repayment impact
See how much interest you save and how many years you shave off by paying a little more each month.
Extra Repayment Savings
Interest saved & years shaved vs. minimum repayments
Interest Only loan
Cashflow in the IO period, plus the jump when P&I reverts.
IO Loan Summary
Interest Only period + P&I revert
IO vs P&I — side by side
Full cost comparison over the life of the loan, after tax deductions.
IO vs P&I Comparison
Full cost analysis after tax deductions
Investment property tax deductions
Estimate your annual deduction, negative gearing loss, and tax saving — before and after the legislated 1 July 2027 reform.
- Negative gearing against wages is limited to newly built homes.
- For established properties bought after 7:30pm 12 May 2026, rental losses only offset rental income or property capital gains — not your wages (unused losses carry forward).
- The 50% CGT discount is replaced by CPI cost-base indexation plus a 30% minimum tax on real gains (gains accrued before 1 July 2027 keep the discount; new builds can choose either system).
Tax Deduction Summary
2026–27 ATO brackets (excl. Medicare levy)
Land tax calculator
Accurate calculations across every Australian state and territory.
Land Tax Result
All states, at a glance
| State | Threshold | Start Rate | Top Rate | Assessed | Notes |
|---|---|---|---|---|---|
| NSW | $1,075,000 | 1.6% | 2.0% | 1 Jul | Foreign surcharge 4% p.a. |
| VIC | $300,000 | 0.2% | 2.55% | 31 Dec | Trust +0.5%, Absentee +4% |
| QLD | $600,000 (ind.) | 1.0% | 1.75% | 30 Jun | Trust/Co threshold $350k |
| SA | $837,000 | 0.5% | 2.4% | 30 Jun | Site value basis |
| WA | $300,000 | 0.15% | 2.67% | 1 Jul | Min. tax $300 above threshold |
| TAS | $100,000 | 0.45% | 1.5% | 1 Jul | Low threshold — most properties taxed |
| ACT | None (all taxed) | 0.44% | 1.17% | 1 Jul | Uses Unimproved Value (UV) |
| NT | NO LAND TAX — Northern Territory does not levy land tax | ||||
Full amortisation schedule
Month-by-month principal vs. interest, with running balance.
Amortisation Schedule
Month-by-month breakdown
| Month | Type | Payment | Principal | Interest | Balance | Cum. Interest |
|---|
Numbers look tight? Let's talk.
The calculator is a starting point. The real plan — the one that accounts for your income, deposit and lender fit — takes one free, obligation-free call.