Calculators
Full calculator catalogue (AU, NZ, US)
Every calculator available on CalcWidgets, grouped by region and use case, with IDs you can use in embed URLs.
5 min read
Updated 14 May 2026
You can turn any calculator below on or off yourself from Dashboard → Manage Calculators. There's no per-calculator cost — your plan includes the whole catalogue for your region.
The id in the table is what you'd use in an embed URL: ?widgets=<id>.
Australia
Core mortgage
| ID | Calculator |
|---|---|
loan-repayment | Monthly mortgage repayments, P&I or interest-only, offset, extra repayments |
borrowing-capacity | Maximum borrowing from income, expenses, existing debt (APRA buffer) |
purchasing-power | Maximum purchase price from deposit + borrowing capacity |
loan-comparison | Side-by-side comparison of two loan scenarios |
business-capacity | Debt capacity analysis for businesses |
Refinance & costs
| ID | Calculator |
|---|---|
refinance | Compare current loan to refinance options, calculate breakeven and savings |
stamp-duty | State-based stamp duty with First Home Buyer concessions |
property-buying-cost | Total purchase costs: stamp duty + legal + LMI + inspections + settlement |
property-selling-cost | Agent commission, marketing, legal, CGT |
lmi | Lenders Mortgage Insurance for loans above 80% LVR |
lvr | Loan-to-value ratio with thresholds at 80/90/95% |
Repayment strategies
| ID | Calculator |
|---|---|
extra-repayment | Time and interest saved with extra repayments |
fortnightly-repayment | Fortnightly vs monthly vs weekly repayment savings |
lump-sum-repayment | Impact of a one-off lump sum |
offset | Interest saved with an offset account balance |
split-loan | Fixed vs variable split loan modelling |
how-long-to-repay | Time to pay off a loan at a given repayment |
reverse-mortgage | Equity release for seniors 60+ |
Income & tax
| ID | Calculator |
|---|---|
income-tax | Australian income tax + Medicare levy + take-home pay |
income-annualisation | Project annual income from year-to-date earnings |
income-gross-up | Convert net income to gross |
negative-gearing | Tax benefits of negatively geared investment property |
budget-planner | Personal budget across income and expense categories |
Property investment
| ID | Calculator |
|---|---|
rental-yield | Gross & net rental yield, vacancy-adjusted cashflow |
property-depreciation | Division 40 + 43 deductions |
cgt-projection | Capital gains tax for individual / SMSF / company ownership |
cgt-budget-2026 | Budget 2026 CGT reform comparator |
rent-vs-buy | Long-term wealth outcomes of renting vs buying |
Savings & deposits
| ID | Calculator |
|---|---|
savings-account | Savings growth with regular deposits + compound interest |
term-deposit | Term deposit returns at maturity |
business-term-deposit | Corporate term deposit analysis |
compound-interest | General-purpose compound interest growth |
savings-goal-time | Time to reach a savings goal |
savings-goal-deposit | Required deposit to reach a target |
Specialised
| ID | Calculator |
|---|---|
leasing | Vehicle/equipment lease payment analysis |
credit-card | Credit card payoff scenarios and interest savings |
New Zealand
| ID | Calculator |
|---|---|
loan-repayment-nz | NZ mortgage repayments: fixed vs floating, break costs |
borrowing-capacity-nz | Borrowing capacity with RBNZ DTI caps (configurable per client) |
income-tax-nz | NZ income tax (IRD brackets) |
property-purchase-costs-nz | LIM, legal, inspection and other NZ buying costs |
kiwisaver | KiwiSaver first-home withdrawal estimator |
bright-line | Bright-line test (residential property sale, main-home exclusion) |
United States
Core mortgages
| ID | Calculator |
|---|---|
mortgage-us | Full PITI breakdown |
amortization-us | Month-by-month schedule with chart, table, CSV export |
affordability-us | Max home price from income, debts, down payment, DTI |
rent-vs-buy-us | Year-by-year NPV comparison with breakeven year |
refinance-us | Monthly savings, breakeven month, lifetime interest, cash-out |
heloc-us | Home equity line of credit |
home-equity-us | Equity snapshot, LTV, usable equity at 80/85/90% CLTV |
reverse-mortgage-us | FHA-insured HECM for ages 62+ |
extra-payment-us | Extra payment / lump sum / biweekly payoff scenarios |
Qualification
| ID | Calculator |
|---|---|
dti-us | Front-end + back-end DTI with FHA/Conv/VA/USDA flags |
fha-loan-us | FHA payment with upfront + annual MIP |
va-loan-us | VA payment with funding fee logic |
Real estate investing
| ID | Calculator |
|---|---|
cap-rate-us | Cap rate from NOI / Property Value |
cash-on-cash-us | Year-1 cash-on-cash return |
exchange-1031-us | 1031 like-kind exchange deferred-tax calculator |
brrrr-us | Buy/Rehab/Rent/Refinance/Repeat |
fix-and-flip-us | Net profit + ROI + 70% rule check |
investment-property-us | Year-1 total return |
Realtor / state-aware
| ID | Calculator |
|---|---|
closing-cost-us | Buyer closing costs with all 50 state rates |
property-tax-us | Annual property tax + exemption modelling |
seller-net-sheet-us | Net cash to seller after costs |
commission-us | Listing-side / buyer-side commission split |
home-sale-proceeds-us | Final cash after Section 121 + capital gains |
Region availability
Your account's region (set at signup) determines which calculators show in your dashboard. AU accounts see Australian calculators; NZ accounts see NZ; US accounts see US. To change region, email hello@calcwidgets.com.
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