Free Australian Financial Calculators
From home loans to tax planning — every calculator your clients need, built for Australian rules and rates.
Home Loans
Loan Repayment Calculator
Calculate your mortgage repayments for Australian home loans. Compare principal & interest vs interest-only, factor in offset accounts and extra repayments.
Mortgage Calculator (NZ)
Free NZ mortgage calculator. Model fortnightly or monthly repayments, compare fixed vs floating, and stress-test break costs. Built for Kiwi borrowers.
Borrowing Capacity Calculator
Find out how much you can borrow for a home loan in Australia. Guided assessment based on your income, expenses, and existing commitments.
Borrowing Capacity Calculator (NZ)
Find out how much you can borrow for a New Zealand home loan. Applies RBNZ DTI caps (6× owner-occupier, 7× investor) and NZ IRD tax brackets.
Loan Comparison Calculator
Compare two home loan options side by side. See the difference in repayments, total interest, and overall cost over the life of each loan.
Purchasing Power Calculator
Determine the maximum property price you can afford based on your deposit, borrowing capacity, and available funds in Australia.
How Long to Repay Calculator
Calculate how long it will take to pay off your home loan. See the impact of different repayment amounts on your loan term.
Reverse Mortgage Calculator
Calculate how much equity you can unlock from your home with a reverse mortgage. See how debt grows over time and how much equity remains for beneficiaries.
LMI Calculator
Estimate Lenders Mortgage Insurance for an Australian home loan. Indicative premiums for loans above 80% LVR with single-borrower owner-occupier rates and capitalisation impact on resulting LVR.
LVR Calculator
Calculate your loan-to-value ratio for an Australian property purchase. Shows current LVR, deposit, LMI status, and reference thresholds at 80%, 90%, and 95% LVR so you can see how much you can borrow.
Home Equity Calculator
Estimate your usable equity for renovations, an investment property, or your next home. Shows usable equity at 80%, 90%, and 95% LVR caps plus the indicative monthly repayment on the new draw.
Income & Tax
NZ Income Tax Calculator
Calculate your New Zealand income tax using IRD 2025-26 brackets. See take-home pay, effective rate, and bracket breakdown.
Bright-Line Test Calculator
Check if you'll pay bright-line tax when selling NZ property. 2-year rule with main home exclusion. Calculates estimated tax at your marginal rate.
Income Tax Calculator
Calculate your Australian income tax for 2025-26. See your tax bracket, Medicare levy, and take-home pay based on current ATO rates.
Income Annualisation Calculator
Convert your weekly, fortnightly, or monthly income to an annual figure. Useful for loan applications and financial planning in Australia.
Income Gross Up Calculator
Convert net income to gross income for Australian tax rates. Calculate the gross salary needed to achieve your desired take-home pay.
Negative Gearing Calculator
Calculate the tax benefits of negative gearing on an Australian investment property. See annual cash flow and net cost after tax deductions.
Budget Planner Calculator
Plan and track your personal budget with an Australian-focused budget planner. Categorise income and expenses to see your surplus or shortfall.
Refinance & Costs
NZ Property Purchase Costs
Estimate all costs of buying a property in New Zealand — LIM report, legal fees, building inspection, and more. No stamp duty in NZ.
Refinance Calculator
Compare your current home loan with refinance options. Calculate potential savings on interest and repayments after switching lenders.
Stamp Duty Calculator
Calculate stamp duty for every Australian state and territory. Includes first home buyer concessions and exemptions for NSW, VIC, QLD, and more.
Property Buying Cost Calculator
Estimate the total costs of buying a property in Australia including stamp duty, legal fees, inspections, and other purchase expenses.
Property Selling Cost Calculator
Estimate the costs of selling your property in Australia. Includes agent commission, marketing, legal fees, and capital gains tax.
Savings & Deposits
KiwiSaver First-Home Calculator
Estimate how much KiwiSaver you can withdraw for your first home. Includes employer contributions, government match, and projected growth.
Savings Account Calculator
Calculate interest earnings on your savings account. Forecast your balance growth with regular deposits and compound interest.
Term Deposit Calculator
Calculate returns on term deposits in Australia. Compare interest at maturity vs monthly payouts for different deposit amounts and terms.
Business Term Deposit Calculator
Calculate business term deposit returns in Australia. Compare interest options for corporate deposits across different terms and amounts.
Compound Interest Calculator
See the power of compound interest over time. Calculate how your investment grows with different rates, compounding frequencies, and contributions.
Savings Goal (Time) Calculator
Find out how long it will take to reach your savings goal. Calculate the time needed based on your current balance and regular contributions.
Savings Goal (Deposit) Calculator
Calculate how much you need to save regularly to reach your goal. Find the right deposit amount for your target balance and timeframe.
Repayment Strategies
Extra Repayment Calculator
See how much time and interest you can save by making extra repayments on your Australian home loan. Calculate monthly or one-off extra payments.
Fortnightly Repayment Calculator
Compare fortnightly vs monthly home loan repayments. See how switching to fortnightly payments can save years and thousands in interest.
Lump Sum Repayment Calculator
Calculate the impact of making a lump sum payment on your home loan. See how much interest and time you could save.
Home Loan Offset Calculator
Calculate how much an offset account can save you on your Australian home loan. See the interest reduction from your offset balance.
Split Loan Calculator
Compare fixed vs variable rate splits for your home loan. Find the optimal split ratio to balance repayment certainty with flexibility.
Business & Other
Business Borrowing Capacity Calculator
Estimate your business borrowing capacity in Australia. Calculate how much your business can borrow based on revenue, expenses, and existing debts.
Leasing Calculator
Calculate equipment or vehicle lease payments in Australia. Compare lease costs, residual values, and total expense over the lease term.
Credit Card Repayment Calculator
Calculate how long it will take to pay off your credit card balance. See the impact of different payment amounts on your payoff timeline and total interest.
Rent vs Buy Calculator
Compare the long-term costs of renting vs buying a home in Australia. Factor in property growth, rent increases, and opportunity cost of your deposit.
Property Investment
Rental Yield Calculator
Calculate gross and net rental yield, vacancy-adjusted cashflow, and cash-on-cash return for an Australian investment property.
Property Depreciation Calculator
Estimate Division 40 (plant & equipment) and Division 43 (capital works) depreciation deductions for an Australian investment property. Models the post-17 May 2017 second-hand limitation.
CGT Projection Calculator
Project capital gains tax on the sale of an Australian investment property. Handles individual, SMSF accumulation, SMSF pension, and company ownership with the correct discount rates.
Budget 2026 CGT Calculator
Compare the current 50% CGT discount against the new cost-base-indexation + 30% minimum tax regime announced in the 2026-27 Budget (effective 1 July 2027). Built for investors deciding whether to sell before the deadline or hold under grandfathering.
US Home Loans
HELOC Calculator
Estimate your home equity line of credit: maximum line, interest-only draw payments, amortising repayment payments, and total interest over the life of the HELOC. Built for US homeowners.
Home Equity Calculator
Calculate how much home equity you have, your current loan-to-value ratio, and how much you can borrow at 80%, 85%, and 90% CLTV. Compare HELOC, home equity loan, and cash-out refinance side-by-side.
Reverse Mortgage (HECM) Calculator
Estimate FHA-insured HECM reverse mortgage proceeds for US homeowners aged 62+. See your principal limit, available cash after costs, and monthly payments under all four HUD payment plans (lump sum, line of credit, tenure, term).
Refinance Calculator
Calculate monthly savings, break-even month, and lifetime interest impact when refinancing your US mortgage. Includes cash-out refinance support and side-by-side payment comparison.
Amortization Calculator
Month-by-month or year-by-year breakdown of principal vs interest on your fixed-rate mortgage. Full schedule export to CSV. Total interest paid over the life of your loan.
Mortgage Calculator
Estimate your monthly mortgage payment with full PITI breakdown — principal, interest, property tax, homeowners insurance, PMI, and HOA. Supports 15, 20, and 30-year fixed-rate loans.
Mortgage Payoff Calculator
See exactly when you'll be mortgage-free and how much you can save with extra monthly payments, lump sums, or biweekly conversion. Original vs accelerated payoff side-by-side.
FHA Loan Calculator
Estimate your FHA mortgage payment with upfront and annual mortgage insurance premium (MIP) included. See total monthly PITI for your home price, down payment, and credit score band.
VA Loan Calculator
Estimate your VA loan payment for active military, veterans, and surviving spouses. Includes the VA funding fee (with first-use vs subsequent-use logic + disability waiver). 0% down supported.
US Home Buying
Rent vs Buy Calculator
Compare the true total cost of buying vs renting over your hold horizon. Includes mortgage, taxes, insurance, maintenance, equity gain, rent inflation, and opportunity cost of your down payment.
Home Affordability Calculator
Calculate the max home price you can afford based on your income, monthly debts, down payment, and DTI ratio. Shows FHA, Conventional, VA, and USDA qualification at your DTI.
Closing Cost Calculator
Estimate buyer closing costs for any US state. State-specific transfer tax, title insurance, lender origination, recording fees, and prepaid escrow — every line item editable.
Property Tax Calculator
Calculate annual and monthly property tax for any US state. Pre-loaded effective rates for all 50 states + DC, with homestead/senior/veteran exemption modeling and 10-year projections.
US Mortgage Qualification
US Real Estate Investing
Cap Rate Calculator
Calculate capitalization rate (NOI / Property Value) for a US rental property. The financing-neutral metric for comparing investment properties.
Cash-on-Cash Return Calculator
Calculate year-1 cash-on-cash return on a US rental property after debt service, vacancy, and operating expenses.
1031 Exchange Calculator
Calculate federal long-term capital gains, depreciation recapture (§1250 at 25%), state cap gains, and NIIT (3.8%) deferred via a 1031 like-kind exchange.
BRRRR Calculator
BRRRR strategy calculator: see cash recouped after refinance, cash left in deal, monthly cash flow, and infinite-return scenarios.
Fix and Flip Calculator
Computes net profit and ROI for a fix-and-flip after acquisition, rehab, holding, and selling costs. Includes automatic 70% rule check.
Investment Property Calculator
Year-1 total return on a US investment property: cash flow + principal paydown + appreciation + depreciation tax benefit. With cap rate + CoC.
US Home Selling
Seller's Net Sheet
Estimate net cash from a US home sale: commissions, closing costs, transfer tax, title insurance, repair credits, mortgage payoff. The same line-by-line breakdown a listing agent prepares.
Real Estate Commission Calculator
Calculate real estate agent commission on a US home sale. Listing-side and buyer-side splits, what-if scenarios at different rates. Updated for the post-NAR settlement era (Aug 2024).
Home Sale Proceeds (After-Tax)
Calculate final cash from a US home sale after federal capital gains tax. Includes Section 121 primary-residence exclusion ($250k single / $500k married) and adjusted cost basis with capital improvements.