Home Loans & Property Calculators
Repayments, borrowing power, stamp duty for every state, and the true cost of buying property in Australia.
Buying, refinancing or investing in property is the biggest money decision most Australians make. These calculators use APRA serviceability rules, daily interest with monthly repayments, and each state and territory’s own transfer duty rates, so you can plan with real numbers before you talk to a lender or conveyancer.
Core home loan calculators
Mortgage Repayment Calculator
Weekly, fortnightly and monthly repayments on a principal and interest home loan.
Open calculator → FreeBorrowing Power Calculator
Estimate how much a lender may approve using the APRA 3% serviceability buffer.
Open calculator → FreeLVR Calculator
Work out your loan-to-value ratio and whether you will pay LMI.
Open calculator → FreeLoan Amortisation Schedule Calculator
Month-by-month principal, interest and balance for any loan.
Open calculator → FreeDebt-to-Income (DTI) Ratio Calculator
Your DTI ratio and how it compares with APRA’s lending limits.
Open calculator → FreeComparison Rate Calculator
The true cost of a loan including fees, as a single comparison rate.
Open calculator →Stamp duty by state
Stamp Duty Calculator (All States)
Compare transfer duty across every Australian state and territory.
Open calculator → FreeNSW Stamp Duty Calculator
Transfer duty and First Home Buyers Assistance Scheme concessions in NSW.
Open calculator → FreeVIC Stamp Duty Calculator
Land transfer duty and first home buyer exemptions in Victoria.
Open calculator → FreeQLD Stamp Duty Calculator
Transfer duty with the Queensland home and first home concessions.
Open calculator → FreeWA Stamp Duty Calculator
Transfer duty and first home owner rates in Western Australia.
Open calculator → FreeSA Stamp Duty Calculator
Stamp duty and first home buyer relief in South Australia.
Open calculator → FreeTAS Stamp Duty Calculator
Property transfer duty and concessions in Tasmania.
Open calculator → FreeACT Stamp Duty Calculator
Conveyance duty and the Home Buyer Concession Scheme in the ACT.
Open calculator → FreeNT Stamp Duty Calculator
Stamp duty and the House and Land Package Exemption in the NT.
Open calculator →Land tax by state
Land Tax Calculator (All States)
Compare annual land tax on investment property across every state and territory.
Open calculator → FreeNSW Land Tax Calculator
Annual NSW land tax above the threshold, including the premium rate.
Open calculator → FreeVIC Land Tax Calculator
Victorian land tax including the absentee owner surcharge.
Open calculator → FreeQLD Land Tax Calculator
Queensland land tax for individuals, companies and trusts.
Open calculator → FreeWA Land Tax Calculator
Western Australian land tax and the metropolitan region improvement tax.
Open calculator → FreeSA Land Tax Calculator
South Australian land tax on investment and holiday property.
Open calculator → FreeACT Land Tax Calculator
ACT land tax on rented residential property, based on average unimproved value.
Open calculator →Loan strategy and savings
Offset Account Calculator
See how much interest and time an offset balance saves.
Open calculator → FreeExtra Repayments Calculator
Find out how extra repayments shorten your loan and cut interest.
Open calculator → FreeRefinance Savings Calculator
Compare your current rate with a new loan, including switching costs.
Open calculator → FreeInterest Only vs P&I Calculator
Compare interest-only and principal and interest repayments over time.
Open calculator → FreeSplit Loan Calculator
Model a loan split between fixed and variable rates.
Open calculator → FreeFixed vs Variable Rate Calculator
Compare total cost under fixed and variable rate scenarios.
Open calculator → FreeLoan Term Comparison Calculator
Compare 15, 20, 25 and 30 year loan terms side by side.
Open calculator → FreeBridging Loan Calculator
Interest and peak debt when buying before you sell.
Open calculator → FreeConstruction Loan Calculator
Interest-only progress payments while you build, then full repayments.
Open calculator → FreeReverse Mortgage Calculator
How a reverse mortgage or Home Equity Access Scheme loan grows over time.
Open calculator → FreeLine of Credit Calculator
Interest and repayments on a home equity line of credit.
Open calculator →True cost of buying
Lenders Mortgage Insurance (LMI) Estimator
Estimate LMI when your deposit is under 20%.
Open calculator → FreeHidden Upfront Costs Calculator
Add up duty, legal, inspection, registration and moving costs.
Open calculator → FreeFirst Home Owner Grant Eligibility Checker
Check FHOG eligibility and amounts for your state.
Open calculator → FreeConveyancing Fee Estimator
Typical conveyancing and settlement fees by state.
Open calculator → FreeHome Deposit Calculator
How long it takes to save a 5%, 10% or 20% home deposit.
Open calculator → FreeFirst Home Super Saver (FHSS) Calculator
Extra deposit you could build through the FHSS scheme in super.
Open calculator → FreeRent vs Buy Calculator
Compare the long-term cost of renting and investing against buying.
Open calculator →Property investors
Rental Yield Calculator
Gross and net rental yield on an investment property.
Open calculator → FreeNegative Gearing Calculator
Estimate the tax effect of a rental loss at your marginal rate.
Open calculator → FreeUsable Equity Calculator
Find out how much equity you can borrow against at 80% LVR.
Open calculator → FreeProperty CGT Estimator
Capital gains tax on a property sale, including the 50% discount.
Open calculator →Explore other calculator sections
Personal Loans, Credit & HECS Calculators
Car loans, credit cards, debt consolidation and HECS-HELP, worked out the Australian way.
View section →Super, Retirement & Wealth Calculators
Superannuation, ASX shares, compound interest and family wealth planning for Australians.
View section →Income Tax & Business Calculators
Take-home pay, tax refunds, deductions, GST and small business tax using current ATO rates.
View section →Budgeting & Lifestyle Calculators
Everyday spending, insurance and savings calculators to help your pay go further.
View section →General information only. Our calculators give estimates based on the inputs you enter and current published rates. They do not consider your objectives, financial situation or needs. See our Disclaimer.