Mortgage Calculators

Free tools to help you plan your Australian home loan. All calculations run entirely in your browser — no data is stored or sent to our servers.

8 calculators100% freeNo data storedUpdated 2025-26

Core Calculator

Mortgage Repayment Calculator

Full-featured mortgage repayment estimator with amortisation schedule, rate comparison, and stress testing.

Savings & Refinance

Tools to reduce your interest and pay off your loan faster.

Savings

Offset Account Calculator

See how an offset account reduces your interest and shortens your loan term.

Savings

Refinance Savings Calculator

Compare your current loan to a new rate and find your break-even point after switching costs.

Compare different repayment approaches and see the long-term impact.

Repayments

Extra Repayments Calculator

Calculate how additional payments reduce your loan term and total interest paid.

Repayments

Interest Only Calculator

Compare interest-only vs principal & interest repayments and see the payment shock at transition.

Prepare for rate rises and understand your borrowing limits.

Risk

Rate Stress Test Calculator

See how your repayments change if interest rates rise by 1%, 2%, or 3%.

Understand the fees and insurance costs of your home loan.

Costs

LMI Estimate Calculator

Estimate your Lenders Mortgage Insurance premium based on loan-to-value ratio.

Compare the true cost of different loan products.

Rates

Comparison Rate Calculator

Calculate the true cost of a loan including fees, as required by NCCP Act Schedule 6.