Property finance calculators to help you plan your next move
Estimate repayments, compare loan scenarios, and explore how a loan may reduce over time. When you want help applying the numbers to your real situation, start with a simple enquiry.
These tools are designed to provide general estimates only. Actual repayments, eligibility and loan structure depend on your full situation and lender assessment.
Start with the calculator that fits what you are trying to work out
Use the featured repayment calculator below or scroll to any of the specialist tools.
Estimate repayments and see how your balance may reduce over time.
Compare your current setup against a possible new rate or structure.
Work backwards from an estimated repayment budget.
See how additional repayments may affect interest and loan term.
Compare two common repayment structures side by side.
Repayment Calculator
Estimate repayments, total interest, and how your loan balance may reduce over time. A practical starting point for home loans, refinance and investment scenarios.
These results are estimates only and do not replace formal lender calculations or credit advice.
See how the loan may change over time
Track how the estimated loan balance may reduce across the term.
Need help making sense of these numbers?
A calculator is a useful starting point, but the right property finance decision depends on the full picture. Start with a simple enquiry and we will help point you in the right direction.
How each repayment may be split over time
Showing how principal, interest and remaining balance may move across the loan term.
| Period | Date | Repayment | Principal | Interest | Balance |
|---|---|---|---|---|---|
| Year 1 | Year 1 | $37,924.08 | $5,588.63 | $32,335.45 | $494,411.37 |
| Year 2 | Year 2 | $37,924.08 | $5,962.91 | $31,961.17 | $488,448.46 |
| Year 3 | Year 3 | $37,924.08 | $6,362.26 | $31,561.83 | $482,086.21 |
| Year 4 | Year 4 | $37,924.08 | $6,788.35 | $31,135.73 | $475,297.86 |
| Year 5 | Year 5 | $37,924.08 | $7,242.98 | $30,681.11 | $468,054.89 |
| Year 6 | Year 6 | $37,924.08 | $7,728.05 | $30,196.03 | $460,326.84 |
| Year 7 | Year 7 | $37,924.08 | $8,245.61 | $29,678.47 | $452,081.22 |
| Year 8 | Year 8 | $37,924.08 | $8,797.84 | $29,126.24 | $443,283.39 |
| Year 9 | Year 9 | $37,924.08 | $9,387.04 | $28,537.04 | $433,896.34 |
| Year 10 | Year 10 | $37,924.08 | $10,015.71 | $27,908.37 | $423,880.63 |
| Year 11 | Year 11 | $37,924.08 | $10,686.48 | $27,237.60 | $413,194.15 |
| Year 12 | Year 12 | $37,924.08 | $11,402.18 | $26,521.91 | $401,791.97 |
These figures are indicative estimates only and may vary from actual lender calculations.
Refinance Savings Calculator
Compare your current loan setup with a possible new rate or structure to get a rough sense of how repayments and total interest may change.
Refinancing should start with clarity, not pressure. If you want help understanding whether a review is worth it, start with a short enquiry.
Borrowing Estimate Calculator
Work backwards from a rough repayment budget to estimate what loan range may be possible. Designed as a planning tool only.
Borrowing capacity depends on far more than repayment budget alone — income, expenses, existing debts, and lender assessment all affect the actual amount. Use this as a rough guide only.
Extra Repayments Calculator
See how making additional repayments may affect total interest and how quickly the loan balance may reduce.
Compare repayment types
Compare how interest-only and principal-and-interest structures may affect repayments, interest cost and balance reduction over time.
Want help applying these calculators to your own situation?
Tell us what you are trying to do and we will help point you toward the right next step. Low-pressure and obligation-free.
Frequently asked questions
No. They are designed to provide indicative estimates only. Actual figures may vary depending on lender methods, product structure, fees and your full situation.
Yes. These tools are designed to help with planning, comparing options and understanding possible next steps.
No. Some are useful for home loans, refinance and investment property scenarios. More specialised commercial scenarios may need a more tailored review.
Yes. If you want help applying the estimates to your own situation, you can start with a simple enquiry and a real person will come back to you.
No. The initial step is simply an enquiry so we can understand your scenario and guide the next move.
Ready to move beyond rough estimates?
Whether you are buying, refinancing, investing or still comparing options, we can help you work out the right property finance path from here.