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.
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.
Your monthly repayment, total interest, and the impact of extra repayments.
Principal & Interest breakdown
Income, expenses and commitments → a realistic borrowing ceiling based on common lender servicing rules.
Estimated servicing ceiling using APRA-style buffer
State-by-state transfer duty, including first-home-buyer concessions and foreign-buyer surcharges where applicable.
Base transfer duty + surcharges & concessions
See how much interest you save and how many years you shave off by paying a little more each month.
Interest saved & years shaved vs. minimum repayments
Cashflow in the IO period, plus the jump when P&I reverts.
Interest Only period + P&I revert
Full cost comparison over the life of the loan, after tax deductions.
Full cost analysis after tax deductions
Estimate your annual deduction, negative gearing loss, and tax saving.
2026–27 ATO brackets (excl. Medicare levy)
Accurate calculations across every Australian state and territory.
| 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 | ||||
Month-by-month principal vs. interest, with running balance.
Month-by-month breakdown
| Month | Type | Payment | Principal | Interest | Balance | Cum. Interest |
|---|
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.
