💰 Australian Financial Calculators
Free calculators covering mortgage, investment, superannuation, retirement, loans, tax, and more — all built for Australian laws, rates, and regulations. No US-specific calculators (no 401k, FHA, VA, HELOC, Roth IRA, Social Security).
59
Calculators
5
Sections
100%
Free
🇦🇺
Australia only
🏠 Mortgage & Real Estate (13 calculators)
Mortgage Calculator
P&I vs IO, offset account, LMI estimate, APRA +3% buffer, comparison rate
Amortisation Calculator
Annual schedule, extra repayments, interest vs principal breakdown
Mortgage Payoff Calculator
Extra repayments + lump sum savings, fortnightly vs monthly comparison
House Affordability Calculator
APRA 3% buffer, HEM expenses, max borrowing capacity, DTI
Stamp Duty Calculator
All 8 states & territories, FHB concessions, LMI, total upfront costs
Rent Affordability Calculator
30% rule, Australian median rent, housing stress threshold
Refinance Calculator
Break cost analysis, comparison rate, break-even months
Rental Property Calculator
Negative gearing tax benefit, CGT 50% discount, yield, 10-yr projection
Comparison Rate Calculator
True loan cost incl. fees (NCCP Act requirement). Compare loans.
Home Equity / Redraw
Usable equity to 80%/90% LVR, redraw, equity release repayments
Home Deposit Calculator
Savings timeline, LMI by LVR, FHSSS, First Home Guarantee
Rent vs Buy Calculator
Opportunity cost, transaction costs, capital growth vs investment returns
Debt-to-Income (DTI) Ratio
APRA 6× threshold, credit card commitments, borrowing capacity
🚗 Auto Finance (3 calculators)
📈 Investment Calculators (16 calculators)
Interest Calculator
Simple vs compound interest comparison, Australian bank rate reference
Compound Interest Calculator
Regular contributions, year-by-year table, power of compounding
Simple Interest Calculator
Formula I=Prt, daily and monthly accrual
TVM Finance Calculator
5-variable TVM solver: N, I/Y, PV, PMT, FV. Loans, savings, investments
Interest Rate Calculator
Solve for unknown rate from principal, payment, and term
ASX Share Investment Calculator
CGT, franking credits, after-tax CAGR — Australian tax rules applied
Savings Calculator
Compound interest with regular contributions, after-tax return
Term Deposit Calculator
FCS $250K guarantee, tax on interest, Australian bank rate table
Bond Calculator
AGBs — price, YTM, Macaulay duration, AOFM reference
Managed Fund vs ETF Calculator
MER fee impact over time, active fund vs index ETF comparison
Average Return Calculator
Arithmetic mean, CAGR (geometric), standard deviation from a return series
IRR / NPV Calculator
Internal rate of return and net present value from cash flow series
ROI Calculator
Simple ROI + CAGR, ASX 200 / property / super benchmark comparisons
Payback Period Calculator
Simple and discounted payback period with annual cash flow table
Present Value Calculator
PV + FV combined, discount factor table, DCF analysis
Future Value Calculator
Lump sum + regular payments, multiple compounding frequencies
🦘 Retirement & Super (6 calculators)
Superannuation Calculator
SG 12%, salary sacrifice, ASFA $72,663 couple benchmark, concessional cap $30K
Age Pension Calculator
Income + assets test 2025 rates, $1,144/fn single, homeowner thresholds
Retirement Planning Calculator
Total retirement income projection, Age Pension estimate, ASFA benchmarks
Defined Benefit Pension
CSS / PSS / State Super accrual formula, CPI indexation, PV of pension
Annuity Calculator
Capital needed for income stream, or income from lump sum (Challenger etc.)
Retirement Drawdown Calculator
How long savings last, safe withdrawal rates, 3–8% drawdown comparison
💳 Other Financial Calculators (21 calculators)
Loan Calculator
P&I or IO, weekly/fortnightly/monthly, any loan type
Payment / Affordability Calculator
Max loan from monthly budget, or payment from loan amount
Credit Card Calculator
Minimum payment trap, payoff strategies, AU avg rate 20.49%
Credit Card Payoff Calculator
Multi-card avalanche vs snowball comparison, fastest payoff strategy
Debt Payoff Calculator
Extra payments + lump sum savings, interest saved comparison
Debt Consolidation Calculator
Compare before/after consolidation, monthly saving, total interest
Repayment Frequency Calculator
Weekly vs fortnightly vs monthly — interest savings comparison
GST Calculator
Add/remove GST, BAS G1/G10/G20 quarterly summary, 1/11 rule
HECS-HELP Calculator
2025-26 ATO thresholds, CPI indexation, payoff projection
University Cost Calculator
Student contribution bands, HECS debt, living costs by city
Inflation Calculator (ABS CPI)
Purchasing power erosion, historical AU CPI rates, RBA target
Currency Converter
AUD to/from 12 major currencies, indicative rates reference
ATO Depreciation Calculator
Prime Cost and Diminishing Value methods, business use %, instant write-off
Margin & Markup Calculator
Gross margin, markup on cost, GST-inclusive pricing
Discount Calculator
Discount %, stacked discounts, reverse-calculate original price
Commission Calculator
Real estate, mortgage broker, tiered commission rates, GST on commissions
Budget Planner
Australian household categories, income/expense tracking, surplus/deficit
Business Loan Calculator
Term/LOC/equipment finance, after-tax interest cost, SME rates
Personal Loan Calculator
Compare terms, AU lender rate guide, comparison rate
Boat Loan Calculator
Marine finance, running costs, AU marine survey requirements
Lease Calculator
Commercial property & equipment leases, residual buyout, advance/arrears
🚫 US-only calculators not built: FHA Loan, VA Mortgage, HELOC, 401(k), Roth IRA, Required Minimum Distribution (RMD), Social Security — these are US tax/government programs with no Australian equivalent. Australian equivalents: Superannuation, Age Pension, Home Equity Loan.