How accurate is the borrowing power calculator?
It is an estimate based on the numbers you enter. Lenders apply their own rules, buffers, and living expense benchmarks.
Finance calculators
Run the numbers before you commit
Use these calculators to estimate borrowing power, repayments, refinancing savings, tax, and property costs. Every tool is built for Australia and paired with advice on what lenders check next.
- Fast repayment and borrowing power estimates.
- Budget planning and loan health diagnostics.
- Stamp duty and buying costs estimates.
Quick start
Choose a calculator
Pick the tool that matches your question. This page includes a mortgage repayment calculator, borrowing power calculator, loan comparison calculator, and stamp duty calculator. Each one takes about 60 seconds.
- Use the example values if you are unsure.
- Review the estimate, then talk to a broker for a plan.
- Built for Australian lending scenarios.
Borrowing
Borrowing Power
Estimate how much you could borrow based on income and expenses.
Open calculator → PlanningBudget Planner
See your monthly surplus or shortfall and plan repayments.
Open calculator → PropertyBuying and Selling Costs
Check total costs including stamp duty, legal, and agent fees.
Open calculator → VehicleCar and Personal Loan
Estimate repayments for car finance or personal loans.
Open calculator → TaxIncome Tax
Estimate Australian income tax and take-home pay.
Open calculator → CompareLoan Comparison
Compare two loans side by side with repayments and total cost.
Open calculator → HealthLoan Health
Check DTI, repayment ratio, and credit utilization.
Open calculator → MortgageMortgage Repayments
Calculate mortgage repayments monthly, fortnightly, or weekly.
Open calculator → RefinanceRefinancing
Compare your current loan to a new rate and break-even time.
Open calculator → DutyStamp Duty
Estimate stamp duty costs by state for property purchases.
Open calculator →Calculator FAQs
Quick answers for visitors who want simple, plain-English guidance.
Which loan repayment calculator should I use?
Use the mortgage repayments calculator for home loans, the car and personal loan calculator for shorter loans, and the loan comparison calculator to compare two options.
What interest rate should I enter?
Use your current rate, or add a buffer if you want a safer estimate. Lenders often assess at higher rates.
Does the stamp duty calculator include concessions?
No. This stamp duty calculator uses a simple rate estimate. For exact duty in NSW or other states, check your state revenue office.
Can someone help me with the numbers?
Yes. If you want a broker to verify your figures or build scenarios, contact us and we will guide you.