Home loan tools
Home Loan Calculators
Estimate your budget, deposit and ongoing costs with free tools that don’t require your contact details.
What are you trying to work out?
Start with your available deposit and borrowing power, then allow for repayments and buying costs. With a deposit under 20%, check whether a government guarantee or LMI waiver could apply before you budget for LMI — these tools give you estimates without asking for your contact details.
Need a more specific number?
Use these when you already know the specific figure your decision or application needs.
- Deposit under 20%
LMI Calculator
Estimate the Lenders Mortgage Insurance that may apply to a smaller deposit.
Estimate LMI - Existing owner
Equity Calculator
Estimate the total and usable equity available in your current property.
Estimate equity - Loan structure
LVR Calculator
Work out the loan-to-value ratio a lender will use to assess your deposit.
Calculate LVR - Loan application
YTD Income Calculator
Annualise the year-to-date income shown on your latest payslip.
Calculate income
All home loan calculators
Browse calculators by the point in your home-loan journey where they are useful.
With a smaller deposit, compare the 5% Deposit Scheme, LMI waivers and family guarantees alongside your borrowing and buying costs.
Getting in: your deposit
Start here — these tell you whether you can buy, and what it costs to get in.
- Borrowing Power CalculatorHow much can I actually borrow — and what home does that buy?You’ll need: Your income, expenses and any existing debts.You’ll get: A borrowing-power estimate, the number that sets your price range.
- First Home Buyer Eligibility CalculatorCould I meet the headline rules for a first-home buyer deposit pathway?You’ll need: Your buyer type, previous ownership, income, deposit and target purchase details.You’ll get: An eligibility indication and an estimated purchase range to plan from.
- Deposit CalculatorHow much deposit do I actually need for the home I want?You’ll need: Your available savings and an allowance for buying costs.You’ll get: Property-price estimates at different deposit levels.
- LMI CalculatorWhat would Lenders Mortgage Insurance cost me with a deposit under 20%?You’ll need: Property price and your deposit.You’ll get: An indicative LMI premium, before any eligible scheme or waiver.
- LVR CalculatorWhat’s my loan-to-value ratio — the number every lender judges first?You’ll need: Property price and loan amount (or deposit).You’ll get: Your LVR, and where it sits against the 80% LMI threshold.
- QLD Stamp Duty CalculatorHow much stamp duty will I pay in Queensland — and do I qualify for a concession?You’ll need: Property price, and whether you’re a first home buyer.You’ll get: A stamp duty estimate including first-home concessions.
- NSW Stamp Duty CalculatorHow much stamp duty will I pay in New South Wales — and what exemptions apply?You’ll need: Property price, and whether you’re a first home buyer.You’ll get: A stamp duty estimate with NSW first-home exemptions and concessions.
Your repayments
Once you know you can get in, work out what the loan costs to live with.
Rent or buy?
Compare the longer-run financial trade-offs of continuing to rent and buying a home.
For your application
The paperwork number your broker will ask about.
- YTD Income CalculatorWhat’s my annual income based on a payslip part-way through the year?You’ll need: The year-to-date gross figure and dates from your latest payslip.You’ll get: Annualised income as a starting point for a lender’s assessment.
- Equity CalculatorHow much usable equity is sitting in my current home?You’ll need: Your property’s value and remaining loan balance.You’ll get: Total and potentially usable equity, subject to valuation and lending approval.
More calculators and eligibility guides
Use these for a specific household, ownership or residency question.
- Barefoot Budget and Goal PlannerHow could I organise my income and save towards a goal?You’ll need: Take-home pay, expenses and your savings target.You’ll get: A budget and goal estimate alongside the Barefoot account guide.
- Guarantor Home Loan CalculatorHow might a family guarantee help with a deposit shortfall?You’ll need: Purchase price, savings and proposed family support.You’ll get: A starting estimate; income, guarantee terms and lender approval still matter.
- Property Buyout CalculatorWhat could a property buyout and replacement loan look like?You’ll need: Property value, mortgage balance and an agreed share.You’ll get: An equity and payout estimate, separate from the legal property settlement.
- Foreign Buyer Duty CalculatorWhat foreign duty and FIRB costs might apply?You’ll need: State, property price, buyer status and ownership shares.You’ll get: Indicative costs to check with your solicitor under current rules.
- Visa Buying Eligibility CheckerWhat purchase and lending questions does my visa raise?You’ll need: Visa status, intended property and proposed owners.You’ll get: An initial guide to approval, duty and scheme eligibility.