Australian Home Loan & Tax Calculators

A compact suite of 10 home-loan and financial-planning calculators. All outputs are parameter-model estimates; final lending decisions rest with each lender’s Credit Assessment team.

Loan calculations

• Home loan repayment — Monthly / fortnightly / weekly P&I repayments.
• Borrowing capacity — Maximum borrowing under APRA’s 3% buffer and HEM benchmark.
• Interest-only vs P&I — IO period repayment, step-up after IO, and extra cost vs straight P&I.
• Offset account savings — Interest saved and years removed by a properly-fed offset.
• Refinance break-even — Monthly saving, months to break even, and net saving over the remaining term.

Upfront buying costs

• Stamp duty + FHB grant — 8 states/territories, 2025-26 schedules, FHB concessions and FHOG.
• Upfront buying cost — Deposit, LMI, conveyancer, inspection and moving — full upfront cash total.

Financial planning

• Individual income tax — 2025-26 post-Stage-3 resident / non-resident / WHM brackets + MLS + HELP.
• Buy vs rent — 7-year net-cost comparison with surplus reinvested at 4% p.a.
• Compound interest — Long-term account growth with initial principal plus monthly contributions.

All results are parameter-model estimates; actual figures follow each State Revenue Office / lender assessment.