Home loan tools
Home Loan Calculators
Estimate your budget, deposit and ongoing costs with free tools that do not require your contact details.
What are you trying to work out?
Every one of these is free, takes a couple of minutes, and doesn’t ask for your details. Not sure where to start? Most buyers begin with the deposit calculator, then check repayments — and if your deposit is under 20%, run the LMI calculator before anything else. It changes the maths more than most people expect.
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 every available calculator by the point in your home-loan journey where it is useful.
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: A rough property price and what you’ve saved so far.You’ll get: Your deposit target, and the gap between it and your savings.
- 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 LMI premium estimate — often the number that changes buyers’ plans.
- 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: Your annualised income, the way a lender will calculate it.
- 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 usable equity — your deposit for the next purchase.