When it comes to financing, planning ahead and transparency is everything. How much can I borrow? What will my repayments be? We have calculators for all your concerns, so you can plan ahead and keep on top of your finances.
When it comes to financing, planning ahead and transparency is everything. How much can I borrow? What will my repayments be? We have calculators for all your concerns, so you can plan ahead and keep on top of your finances.
How much does a loan cost? This easy calculator will help you understand repayments for all kinds of loans. Get the answers you’re looking for here.
Unsure of how much your home loan will cost? Need to determine your lending power? These calculators will help you to answer these queries and more.
Working on a budget? Use this budget calculator to work out how much you could borrow, save and plan for. It's fast, free and easy to use.
Whether you’re after a new house or a new car, your journey for finance starts here. Using our online loan calculators, you can adjust loan amounts, repayment periods and interest rates to discover what kind of loan is the right fit for you.
These tools are a great starting point for anyone – for personal loans and from those thinking about vehicle finance, to those looking to buy a new home.
Ready to take the next step? View our full range of home loans, car finance or personal loans.
You can calculate repayments for a variety of loan types using our loan calculators. These include:
Each calculator is designed to provide specific information tailored to the characteristics and typical terms of the respective loan type, helping you plan your finances accordingly.
Head over to the Car Loans Calculator, and start by adjusting the "Loan Amount" using the slider or input field. Select your desired or approximate interest rate, loan term, and payment frequency from the respective drop-down menus. These selections are found under "Interest Rate," "Length," and "Payment Frequency." As you make these adjustments, the "Loan Details" section on the right will update to reflect the amount borrowed, the interest rate chosen, and your estimated repayments. Once you're satisfied with the terms, click "Apply Now" to proceed with the application.
To use the Personal Loan Calculator, you need to input the total loan amount you wish to borrow, which can be adjusted using a slider or entered directly. You'll also need to select an interest rate from a dropdown menu, which varies based on credit history and lender terms. Additionally, choose the loan duration, available in months or years, and decide on a payment frequency - the options are weekly, fortnightly, or monthly. These details help in calculating your potential repayments, giving you a clear view of the loan’s financial implications.
The Home Loan Calculator and the Borrowing Power Calculator serve two distinct purposes when assessing financial options related to home purchasing:
Home Loan Calculator: This tool primarily helps you calculate the monthly, fortnightly, or weekly repayments based on the loan amount, interest rate, loan term, and payment frequency you specify. It’s useful for understanding what your repayments would look like if you already know how much you want to borrow and under what terms.
Borrowing Power Calculator: On the other hand, this calculator helps you determine how much you can potentially borrow based on your income, expenses, and loan details like interest rate and term. It takes into account your financial obligations and income to give an estimate of the maximum loan amount you might be eligible for, along with different repayment frequencies. This tool is beneficial for preliminary financial planning before you decide on the specific loan amount and apply for a mortgage.
To calculate stamp duty for your home purchase using the Stamp Duty Calculator, select your state, indicate if you are a first-time homebuyer, and enter the property value. Choose the property type (e.g., primary residence or investment) and specify whether it's an established home, new home, or vacant land. Answer additional questions like pension eligibility and if you are a foreign purchaser. Based on these inputs, the calculator will display the stamp duty, any applicable government fees like mortgage registration and transfer fees, and potential government grants. This process helps estimate the total government-related costs of your home purchase.
The Loan Comparison Calculator provides a detailed comparison between two different loan options (usually from different lenders) to help you determine which loan offers better financial terms over the life of the loan. By inputting common loan details such as the loan amount and term, along with specific details for each loan like upfront fees, monthly fees, introductory interest rates, and ongoing rates, the calculator displays:
To use the Home Loan Offset Calculator, enter the loan amount, interest rate, loan term, and repayment frequency. Then, specify your offset account balance, which is the amount of savings you have that can be used to reduce the loan's interest calculation. The calculator then provides the monthly repayment amount, total interest saved, and time saved on the loan.
This tool is especially useful because it shows how keeping savings in an offset account can significantly decrease the amount of interest you pay over the life of your loan, potentially shortening the repayment period and offering substantial financial benefits.
To budget your income, enter your income sources and expenses into the Budget Planner, which categorises everything into sections like home expenses, living expenses, and debt repayments. This tool helps you see your total income and expenses at a glance, making it easier to adjust your spending and ensure you live within your means.
It is useful to see how much disposable income you have each month, which is also used by lenders, when determining whether a loan's repayments would be affordable for you.
To use the 'How Much To Deposit - Savings Calculator', enter your current account balance, your savings goal, how often you plan to make deposits, the interest rate, and the saving term. The calculator will then show you how much you need to deposit regularly to reach your savings goal, along with a visual chart of your savings growth over time. This helps you plan and track your savings effectively.