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Tools & calculators

Run the numbers before you sign anything.

Eleven calculators — repayments, borrowing power, refinance savings, stamp duty across every Australian state, total buying costs, extra repayments, interest-only, tax deductions, land tax and a full amortisation schedule. Each calculator shows its main assumptions and when its figures were last checked.

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For illustration only. These calculators give estimates, not a credit offer, an approval or financial or tax advice. Rules and rates change, so check the figures that matter with us, your accountant or the relevant government office. Spot something out of date? Let us know.

Principal & Interest repayments

Your monthly repayment, total interest, and the impact of extra repayments.

6.54%
30 yrs
See how much sooner you'll be debt-free

P&I Summary

Principal & Interest breakdown

How much can you borrow?

Income, expenses and commitments → an indicative borrowing estimate using simplified lender servicing rules. Lenders’ own calculators will differ.

We use whichever is higher: your figure, or a standard minimum for your household size (similar to the HEM benchmark lenders use)
Car, personal loan, HECS repayment
3.8% of limit assumed as repayment
9.45%
Assumed actual rate (6.45%) plus the 3% buffer lenders must test. Rate reviewed 29 September 2026, after the RBA’s 0.25% rise.

Borrowing Power Summary

Estimated servicing ceiling using APRA-style buffer

Disclaimer: Indicative only. Each lender applies different HEM floors, add-backs, negative-gearing treatment and shading of casual/commission/rental income. Your real number will vary ± depending on lender. Book a chat for a lender-by-lender shortlist.

Refinance savings calculator

Compare your current loan with a new rate on the same remaining term, including switching costs, so the saving comes from the rate and not from stretching the loan.

Use the advertised rate, and compare the comparison rate too
Used for your loan-to-value ratio (LVR)
Discharge fee, new lender fees and government registration fees (NSW: $182.73 each for the discharge and the new mortgage)
Only if the offer applies to you

Refinance Savings Summary

Same remaining term, principal and interest

Disclaimer: Estimate only, assuming the rate stays the same for the whole period and monthly principal and interest repayments. Break costs on fixed loans, ongoing fees, offset balances and rate changes are not included. Lender assessment, fees and eligibility apply.

Stamp duty calculator

State-by-state transfer duty, including first-home-buyer concessions and foreign-buyer surcharges where applicable. Rates, worked examples and first home buyer rules by state: NSW, VIC, QLD, WA, SA, TAS, ACT and NT.

Concessions/exemptions apply below state thresholds
Surcharge applies on top of base duty

Stamp Duty Summary

Base transfer duty + surcharges & concessions

Disclaimer: Approximate estimate using published state and territory duty scales. Checked 28 September 2026 against each revenue office’s published rates and official calculator: Revenue NSW, SRO Victoria, QRO, RevenueWA, RevenueSA, SRO Tasmania, ACT Revenue Office and NT Territory Revenue Office. Not included: off-the-plan concessions (VIC, WA), pensioner and other special concessions, and purchases only partly by a foreign buyer. First-home rules have dates, caps, residence and citizenship tests — always confirm with your state revenue office and conveyancer. Excludes mortgage registration and transfer-of-title fees.

Buying costs calculator

The total cash you need to buy: deposit, stamp duty, government fees and the other costs buyers forget. Stamp duty uses the same figures as our stamp duty calculator.

The part of the price you pay yourself
Often $1,500–$2,500 including searches
NSW 2026–27: transfer $182.73 + mortgage $182.73
Application or valuation fees, if any
Only if you pay it upfront. Ask us for a quote

Buying Costs Summary

Total cash needed to settle

Disclaimer: Estimate only. Stamp duty uses our published state duty scales (NSW checked against Revenue NSW for 2026–27). Registration fees shown are NSW Land Registry Services fees from 1 July 2026; other states differ. LMI depends on the lender, insurer, deposit and loan size. Confirm your figures with your conveyancer and lender before you exchange.

Extra repayment impact

See how much interest you save and how many years you shave off by paying a little more each month.

$300
Paid at start of loan
Delay extras e.g. after renovation

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.

6.74%
5 yrs

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 rates typically 0.1–0.3% higher

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.

✅ Tax reform is now law — this calculator reflects it. The Treasury Laws Amendment (Tax Reform No. 1) Act 2026 passed Parliament and received royal assent on 26 June 2026. From 1 July 2027:
  • 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).
Properties owned or contracted before Budget night (7:30pm 12 May 2026) are grandfathered. Select your purchase type below — the calculator shows your tax saving both now and from 1 July 2027. Confirm your position with a registered tax agent.
Your salary and other income, not counting this property’s rent
Rates, insurance, PM fees, repairs
From quantity surveyor report
Sets negative-gearing treatment from 1 Jul 2027
For auto land tax calculation

Tax Deduction Summary

2026–27 ATO brackets (excl. Medicare levy)

Disclaimer: Estimates only, using 2026–27 ATO resident tax brackets (excludes Medicare levy and offsets). Reflects the legislated negative-gearing reform (Treasury Laws Amendment (Tax Reform No. 1) Act 2026) based on the purchase type selected — savings are shown both before and from 1 July 2027. Not financial or tax advice. Land tax figures are approximate — verify with your state revenue office. Consult a registered tax agent.

Land tax calculator

Estimate annual land tax for individuals in every state, plus companies and trusts in Victoria and Queensland. Exemptions, aggregation and special trust rules can change the result, so confirm with the state revenue office.

Land tax is worked out on all the taxable land you own in the state combined (not the purchase price, and usually not your exempt home). Each state sets its own valuation basis; your land tax assessment shows the figure it uses.

Land Tax Result

All states, at a glance

StateTax-free thresholdFirst bandTop rateLiability dateForeign surcharge
Checked 24 September 2026 against each state revenue office: NSW and VIC 2026 land tax year; QLD, SA, WA, TAS and ACT 2026–27. Sources: Revenue NSW, SRO Victoria, QRO, RevenueSA, RevenueWA, SRO Tasmania, ACT Revenue. Your principal place of residence is generally exempt. Company, trust and absentee rules vary by state; WA also charges a metropolitan region improvement tax (MRIT) not included here.

Full amortisation schedule

Month-by-month principal vs. interest, with running balance.

Amortisation Schedule

Month-by-month breakdown

MonthTypePaymentPrincipalInterestBalanceCum. Interest

Have a quick question?

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.

Important disclaimer: These calculators are general illustrations only. They are not financial, tax, legal or credit advice. Income tax uses 2026–27 ATO resident brackets (excludes Medicare levy and offsets). Stamp duty, first-home concessions and grants use published state revenue-office schedules (NSW updated to the 2026–27 table effective 1 July 2026); land tax uses the latest published schedules. Thresholds, caps and surcharges change — confirm with the relevant office before relying on a figure. Verify with your state revenue office (SRO VIC, Revenue NSW, QRO, RevenueSA, Landgate WA, SRO TAS, ACT Revenue Office, Territory Revenue NT) and consult a registered tax agent before making any decision.

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.

Book a free chat Call 0433 543 224