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🏠 Mortgage & Property Calculators

13 free Australian mortgage and property calculators — stamp duty all states, repayments, affordability, refinance, and more.

Mortgage 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