Home Loan Calculators
Before you talk to a lender, it helps to have a realistic picture of what you’re working with. These free calculators give you a starting point for your borrowing power, repayments, and the extra costs involved in buying, so you can walk into any conversation with a clearer idea of where you stand.
Keep in mind that every calculator here gives an estimate, not a guaranteed outcome. Your actual borrowing power and costs depend on your full financial situation, which is exactly what we’re here to work through with you.
Choose a Calculator
Borrowing Power Calculator
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Get a quick estimate of how much you could potentially borrow, based on your income, existing debts, and everyday living expenses. It’s the calculator most people start with, since it answers the first question almost everyone has: roughly what price range am I actually working with?
Best for: anyone in the early stages of house hunting who wants a realistic budget before they start inspecting properties.
Repayment Calculator
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Work out what your weekly, fortnightly, or monthly repayments would look like for a given loan amount, interest rate, and loan term. Adjust the numbers to see how a bigger deposit, a shorter term, or a different rate changes what you’d actually be paying.
Best for: buyers who already have a loan amount in mind and want to see how it translates into real repayments.
Serviceability Calculator
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See a lender’s-eye view of your finances, weighing your income against your expenses and existing debts, including a buffer for future rate rises. This is closer to how a bank actually assesses an application than a simple borrowing power estimate.
Best for: borrowers who want a more realistic picture of what a lender will actually approve, not just what they’d like to borrow.
Stamp Duty Calculator (NSW)
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Estimate the stamp duty payable on a property purchase in New South Wales, including whether you may qualify for a first home buyer exemption or concession. Stamp duty is often the biggest upfront cost people forget to budget for.
Best for: NSW buyers who want to know the real total cost of a purchase, not just the deposit.
Stamp Duty Calculator (VIC)
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Estimate the stamp duty payable on a property purchase in Victoria, including any first home buyer concessions that may apply. Victoria’s thresholds and rates differ from other states, so it’s worth checking specifically rather than assuming.
Best for: VIC buyers budgeting for the full cost of a purchase, including a first home buyer checking their eligibility for a concession.
Stamp Duty Calculator (QLD)
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Estimate the stamp duty payable on a property purchase in Queensland, including concessions available to eligible first home buyers and owner-occupiers. Queensland’s rules differ again from NSW and VIC, so a state-specific estimate matters.
Best for: QLD buyers who want an accurate upfront cost estimate before making an offer.
Looking for Something More Specific?
These six cover what most people need. If you’re after something more specific, like a split loan, offset, novated lease, or negative gearing calculator, head to our Finance Calculators page for the rest of the toolkit.
Want a More Accurate Picture?
Calculators are a great starting point, but they can’t account for everything a lender will look at. If you’d like a proper assessment based on your actual situation, that’s exactly what a free discovery call is for.