Home loan calculators

Run the numbers on your deposit, stamp duty, borrowing capacity and repayments across 25 free calculators. Every tool runs in your browser with no sign-up required.

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Buying a home and saving your deposit

Work out your borrowing capacity, state stamp duty, upfront purchase costs and how quickly your savings can reach a home deposit.

Most used
Borrowing power calculator
Estimate how much you could borrow and your repayments from your take-home pay, living expenses and debts.
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Most used
Stamp duty calculator
2026-27 stamp duty, transfer and mortgage registration fees in every state, plus the First Home Owner Grant.
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Property buying costs calculator
Government charges, lender fees, LMI, conveyancing, inspections and moving costs added up in one total.
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Rent vs buy calculator
Compare your projected savings from renting and investing against your home equity from buying over time.
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How long to save calculator
The years and months needed to reach your deposit target at your current savings rate and interest rate.
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How much to save calculator
The weekly, fortnightly or monthly deposit needed to reach your savings goal within your chosen timeframe.
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Loan repayments and loan structure

Check your regular repayments and test how payment frequency, interest-only terms, introductory rates or a fixed-and-variable split change your total interest.

Paying off your home loan sooner

See how much time and interest you can cut from your loan with regular extra repayments, a lump sum or an offset account.

Comparing loans and refinancing

Factor upfront, ongoing and exit fees into the rate, compare two loans side by side, or check whether switching lenders leaves you ahead.

Income, tax and household budget

Calculate your 2026-27 take-home pay, convert net income to gross salary, annualise year-to-date earnings and map out your monthly household spending.

Savings growth and property selling costs

Project how a savings balance grows with regular deposits and compounding interest, or estimate agent commission, marketing and exit fees when selling.

Visa and expat borrowers

What standard calculators miss for visa holders and Australian expats

Standard calculators treat every borrower like an Australian citizen earning local salary. They don't account for lender LVR caps by visa, 20% shading on foreign income, Foreign Investment Review Board (FIRB) rules or state foreign buyer surcharges.

See home loan guides by visa

Borrowing power

Borrowing power and deposit depend on your visa

The borrowing power calculator doesn't check visa deposit caps. Partner visa (309/820/300) or 461 visa holders buying jointly with an Australian, PR or NZ-citizen partner, and Bridging visa A/B holders with an Australian or PR partner, can borrow up to 95% LVR (5% deposit), versus 70% to 80% LVR solo.

See partner visa deposit rules

Stamp duty

Stamp duty excludes the foreign purchaser surcharge

The stamp duty calculator shows standard transfer duty only and has no foreign purchaser option. Foreign buyers pay an extra duty surcharge in most states: NSW 9%, VIC 8%, QLD 8%, TAS 8%, WA 7% and SA 7%, while the ACT and NT charge none. Partner exemptions vary by state.

Source: State and territory revenue offices (NSW, VIC, QLD, WA, SA, TAS) and WA Treasury interstate table, verified 28 October 2026.

Common questions about our home loan calculators

Which home loan calculator should I start with?Short answer: Borrowing power first

Start with the borrowing power calculator to estimate your loan range from your income and expenses. Next, check the stamp duty calculator to see how much of your savings goes to state government charges, then run the loan repayment calculator to test monthly, fortnightly or weekly repayments against your budget.

Can visa holders and Australian expats rely on these calculator figures?Short answer: As a baseline only

As a baseline only, because standard calculators don't apply visa or expat lending rules. They leave out the 20% shading most lenders apply to foreign income, visa LVR caps, FIRB application fees and the 7% to 9% foreign purchaser duty surcharge in most states. Book a Free Lending Assessment for numbers matched to your situation.

Why do calculator estimates differ from a lender's formal assessment?Short answer: Lender policy varies

Lenders apply their own credit policies on top of the basic maths. Banks assess new home loans at least 3.0 percentage points above the product rate, and each lender on our 31+ panel treats living expenses, bonuses and debts differently. A web calculator uses one formula, whereas our brokers check specific lender serviceability calculators.

Are these calculators free to use without entering my contact details?Short answer: Yes, no sign-up needed

Yes, every calculator on this page is free and works in your browser with no sign-up, email or phone number required. You can adjust the inputs as often as you like. If you want a broker to review your numbers, our 15 to 30 minute Free Lending Assessment is also free because the lender pays us.