Mortgage calculators
Six free calculators for Australian home loans, built on 2026-27 tax, stamp duty and lending rules. Pick the question you need answered.
Rates last checked . See how we calculate.
- Mortgage repayment calculatorWeekly, fortnightly or monthly repayments, total interest and a year-by-year schedule. Principal and interest or interest-only.
- Borrowing power calculatorHow much a lender may let you borrow, using 2026-27 tax rates, HECS and the 3% APRA buffer.
- Stamp duty calculatorTransfer duty in all eight states and territories, with first home buyer exemptions and the July 2026 changes.
- Extra repayment and offset calculatorThe interest and years you save with extra repayments, a lump sum or an offset account.
- Refinance calculatorMonthly saving, break-even point and lifetime interest saved by switching to a lower rate.
- LMI and upfront costs calculatorDeposit, LVR, lenders mortgage insurance, stamp duty and the total cash you need to buy.
Which calculator do I need?
| If you want to know | Use |
|---|---|
| How much you can spend on a property | Borrowing power calculator, then the upfront costs calculator |
| Whether you can afford the repayments | Mortgage repayment calculator |
| How much cash you need on settlement day | LMI and upfront costs calculator |
| How much tax you pay when you buy | Stamp duty calculator |
| How to pay your loan off sooner | Extra repayment and offset calculator |
| Whether switching lenders is worth it | Refinance calculator |
| What an investment property returns | Rental yield calculator |
| What lenders are charging today | Home loan interest rates |
Using the calculators to plan a purchase
- Find your ceiling. Start with borrowing power to see roughly what a lender may approve.
- Check you can live with the repayments. Run the repayment calculator at your rate and again at 2 points higher.
- Add up the upfront cash. Deposit, stamp duty, LMI and fees often total far more than the deposit alone.
- Plan to pay it off faster. Even $100 extra a month makes a measurable difference.
- Review every year or two. Use the refinance calculator to see if a better rate is worth chasing.
Every calculator uses the same rate assumptions and official data sources, set out in how we calculate. Results are estimates and general information only.