Finder calculators can help you estimate how much you’re able to borrow for a home loan, calculate how much interest you'll earn from a savings account and compare different personal loan options. You can also learn how much you may be able to save using features like offset accounts and from paying your mortgage fortnightly instead of monthly. All of these calculators are free and easy to use.
Please note that these calculators and tools provide estimates for your general information. They do not represent quotes, and the success of your home loan or credit application isn't guaranteed based on the results of these calculators.
Find out how much you could save in interest by stashing your savings in a mortgage offset account.
Investing even as little as the cost of a cup of coffee each day into your mortgage can make a big impact, helping you pay less interest and own your home sooner.
Use this calculator to see how much you could save – and how much faster you could pay off your home loan – by making lump sum payments.
Trying to get an idea of how much life insurance you should take out? Use this calculator to help you determine an appropriate level of cover based on your current financial obligations.
Find out the monthly benefit you stand to receive from your income protection policy based on your current income.
Are you nearing retirement? Make sure you'll have enough money to fund your lifestyle when you're no longer working. Find out how much you're going to need to live comfortably with our retirement calculator.
Frequently asked questions
Is the calculator a guarantee that the lender will approve this amount?
No, the calculator only shows you an indication based on the figures you’ve provided. The lender or financial institution still has the final decision.
I don’t know how much my lender’s mortgage insurance (LMI) is, what do I do?
In these cases, you’ll need to call your lender up and ask for a quote. It’s worth noting that LMI is calculated according to the amount you borrow, the overall loan size, the amount of your deposit and who the insurer is. It can range from a few thousand dollars to tens of thousands of dollars, however, you may be able to add the cost of LMI to your home loan.
How accurate are these calculators?
These calculators have been developed with sound mathematics to produce the results based on the information you’ve provided. The more accurate the fields you enter, the more accurate the figures.
I have a question about interest rates and fees. Who is the best person to ask?
For questions to do with interest rates and fees on an existing loan, it's best to talk to your financial institution directly. However, if you've got more broad questions about which home loan is right for you, or which is the best option for you, you may be better off talking to a mortgage broker. They can chat to you about your specific situation and help you find a home loan and interest rate that suits you best.
As an authority on all things personal finance, Sarah Megginson is passionate about helping you save money and make money. She is an editor and money expert with 20 years’ experience and an extensive background in property and finance journalism. Sarah holds ASIC RG146-compliant Tier 1 Generic Knowledge certification, and she's a regular media commentator, appearing weekly on TV (Sunrise, Daily, Studio 10, nightly news), radio (KIIS FM, Triple M, 3AW, 2GB, 6PR) and in digital and print media.
Explore the Magnificent Seven Q4 earnings and their broader impact on Australian investors and the ASX. Collectively, the group includes NVIDIA, Amazon, Meta Platforms, Alphabet, Microsoft, Apple and Tesla.
The P&N Bank & Visa Platinum Credit Card has a very low 7.22% p.a. variable rate for purchases, complimentary insurance and no annual fee – exclusive to home loan customers.
Prenatal care in Australia is covered by Medicare, meaning it’s mostly free through the public system. You can choose to go private, which comes with a lot of benefits – but there are out of pocket expenses to watch out for.
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