Run your own numbers.
Four calculators, built by us, for Australian loans. No sign-up, nothing stored. When you want the real figures, one of us will take the call.
Loan repayments
What a loan costs you each month, fortnight or week — and what it costs over its whole life.
Fortnightly and weekly repayments chip away at the balance faster, so you pay less interest overall.
Borrowing power
Roughly what a lender might let you borrow, based on what you earn, what you spend, and what you already owe.
Gross, per year.
Gross, per year.
Per month, excluding rent and loan repayments. If you enter less than the benchmark for your household, the lender uses the benchmark — so we do too.
Car, personal, HECS — monthly.
Total limit, not balance.
We assess you at this rate plus a 3% buffer, which is what APRA requires lenders to do.
What this calculator assumes
Every lender scores you differently. This is a reasonable middle-of-the-road model, not any one lender's policy.
- Income taxed at 2025–26 resident rates plus the 2% Medicare levy
- Serviceability assessed at your rate + 3.00%, per APRA guidance
- Living expenses floored at a household benchmark, so an unrealistically low figure won't inflate the result
- Credit card limits assessed at 3.8% of the limit per month
- 30-year principal & interest term
- No rental income, no negative gearing, no lender-specific policy
The real number depends on which lender we take you to. That's the whole job.
Extra repayments
Paying a bit more each month is the cheapest thing you can do to a mortgage. Here's exactly what it buys you.
Every dollar comes straight off the principal, so it stops earning the bank interest for the rest of the loan.
Refinance savings
Switching costs money. This works out whether the new rate beats the cost of getting there — and how long that takes.
Keep the same remaining term to see the true saving. Stretching back out to 30 years lowers the repayment but costs you more overall.
Discharge fee, new application and settlement fees, registration. Many lenders offer cashback that offsets this — we'll tell you who's paying what.
Vehicle & equipment loan
Cars, utes, trucks, plant. Includes a balloon — the lump sum you defer to the end to bring the monthly payment down.
Cash down, or what the dealer allows you for the old one.
Asset finance sits above home loan rates. Your rate turns on the asset, its age, and whether you're PAYG or self-employed.
A percentage of the amount financed, deferred to the end of the term. It cuts the monthly payment — but you still owe it, and you pay interest on it the whole way.
What a balloon actually costs you
A balloon isn't free money. It's a slice of the loan you've chosen not to pay down, so it keeps earning the lender interest for the full term — and it's still sitting there on the last day.
- Lower monthly payment — the real and only benefit. Handy for cash flow, and common on business vehicles.
- More total interest — you're carrying a bigger balance for longer.
- A lump sum at the end — pay it out, refinance it, or sell the vehicle to cover it.
- Residual risk — if the vehicle is worth less than the balloon when you get there, you're upside down. Longer terms and bigger balloons make that likelier.
Lenders cap balloons by term and asset age. We'll tell you what's actually available on your deal.