Property Calculators Australia — Mortgage, Stamp Duty, LMI
Everything you need to crunch the numbers on buying, selling, refinancing or investing in Australian property.
Most Popular
Stamp Duty Calculator
Calculate stamp duty for every Australian state and territory. Includes first home buyer concessions.
Mortgage Repayment Calculator
Calculate mortgage repayments for any loan amount, interest rate, and term. See how extra repayments save you years and thousands.
Rate Shock Calculator
Drag a slider to see exactly how an RBA rate change hits your monthly repayment and total interest. Includes presets for cuts, hikes, and the bear case.
Extra Repayment Calculator
See how extra mortgage repayments save you years and thousands in interest. Compare $100, $200, $500 extra scenarios.
PBuy a home(29)
Borrowing Power Calculator
Find out how much you can borrow for a home loan based on your income, expenses, and debts.
First Home Buyer Grant Checker
Check your first home buyer grant and stamp duty exemption by state. See FHOG amounts and total savings.
LMI Calculator
Estimate Lenders Mortgage Insurance cost based on property value and deposit size.
Buying vs Renting Calculator
Compare buying vs renting over any time period. See total costs, equity growth, and the breakeven point.
Buy a House or Invest Calculator
Should you buy property or invest in shares, ETFs, gold, or crypto? Compare net wealth over any time horizon with editable assumptions.
Offset Account Calculator
Calculate how much interest your offset account saves on your home loan over the loan term.
Rental Yield Calculator
Calculate gross and net rental yield on any investment property including expenses and vacancy.
Negative Gearing Calculator
Calculate negative gearing tax benefits on an investment property at your marginal tax rate.
Capital Gains Tax Calculator
Calculate CGT on investment property sales including the 50% discount for assets held over 12 months.
Rent Affordability Calculator
Find out how much rent you can afford based on your salary using the 30% rule.
Refinance Calculator
Is refinancing worth it? See your monthly saving, the break-even on switching costs, and your net saving over the loan.
Fixed vs Variable Calculator
Compare fixing your home loan vs staying variable over the fixed period, with the break-even rate.
Deposit Needed Calculator
How much deposit do you need for any property price? See the deposit, LMI, costs and the 20% target.
Income Required to Buy a House
What income do you need to buy a home at any price? Assessed with the APRA serviceability buffer.
LVR & Home Equity Calculator
Work out your LVR, total equity, and usable equity to 80% — for a renovation or investment property.
Debt-to-Income (DTI) Calculator
Work out your DTI ratio the way lenders and APRA do — and whether you can borrow more.
Offset vs Savings Account
Should spare cash sit in your offset or a savings account? Compare them after tax — the offset usually wins.
Loan Comparison Calculator
Compare two loans side by side including fees to see which actually costs less over the full term.
Rentvesting Calculator
Compare buying a home to live in versus renting where you want and buying a cheaper investment property.
Rental Bond Calculator
Work out the bond and total upfront cash needed to move into a rental in Australia.
House Deposit Timeline Calculator
Work out how long it will take to save a home deposit at your current savings rate.
Interest-Only vs Principal & Interest Calculator
Compare interest-only and principal-and-interest home loan repayments and total cost.
Rent Increase Calculator
Work out the dollar impact of a rent increase — new rent, extra per week and per year.
ETF vs Property Calculator
Compare investing in a diversified share ETF versus an investment property, net of buying costs and leverage.
Debt Recycling Calculator
Calculate your wealth gain from debt recycling. See tax deductions, portfolio growth, and the wealth gap vs standard mortgage repayments.
RBA Cash Rate — Current Rate, History & Mortgage Impact
Current RBA cash rate, full history of changes, next RBA Board meeting date, and a calculator showing what a rate change means for your mortgage repayments.
Offset Account Fee Break-Even Calculator
Is the annual offset or package fee worth it? Compare the interest your offset balance saves against the fee, any rate premium, and what the cash could earn in savings.
Mortgage Term-Reset Cost Calculator
Refinancing to a fresh 30-year term lowers repayments but can add years of interest. Compare staying, resetting the term, and refinancing while keeping your old repayment.
Settlement Cash Buffer Calculator
Deposit paid — how much cash do you still need on settlement day and after it? Price, loan, duty, fees, adjustments, moving costs and a reserve, without double-counting the deposit.