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Free Loan Calculators

Three calculators that give you real numbers, not just ballpark figures. Repayments, borrowing capacity, and asset finance all in one place.

Repayments Calculator Borrowing Capacity
Calculator 1 of 3

Home Loan Repayments

See your monthly repayment and total interest based on your loan amount, rate and term.

Loan Amount
$
$50K$3M
Interest Rate (p.a.)
%
1%15%
Loan Term
Repayment Type
Monthly Repayment
$3,594
per month (est.)
Total Principal $600,000
Total Interest $693,840
Total Repayment $1,293,840
54% interest
Principal
Interest
Get a free rate comparison →

Results are indicative only and are not a quote, approval, or offer of credit.

Calculator 2 of 3

Borrowing Capacity

Get a rough estimate of what you could borrow based on your income and expenses. This uses APRA's 3% serviceability buffer.

$

Include salary, dividends, rental income. Self-employed: use taxable income.

$

Car loans, credit cards (minimum payments), HECS, other loan repayments.

% (we add 3% buffer per APRA)
About this estimate
This is a rough guide using 30% DSR and APRA's 3% buffer. Real lenders assess income, liabilities, living expenses and credit history differently. Your actual borrowing capacity could be higher or lower.
Estimated borrowing capacity
Enter your income above
This estimate assumes a 30-year P&I loan at the assessed rate (your rate + 3% buffer). Lenders use their own servicing calculators, your real capacity could differ significantly. The only way to know your actual maximum is to apply.
Find out your real borrowing capacity
Calculator 3 of 3

Asset Finance

Calculate repayments for a chattel mortgage, finance lease or equipment finance, including deposit and balloon payment options.

$
%
%
%
Balloon payment
A balloon (residual) reduces your monthly repayments but leaves a lump sum due at the end. Common in business vehicle and equipment finance. We can help you decide if it's the right strategy.
Monthly repayment
$1,554
per month (est.)
Amount financed $72,000
Balloon amount $0
Total interest —
Total repaid —
Structure this properly →

Results are indicative only. Rates vary by lender and asset type, and are not a quote, approval, or offer of credit.

Ready to get real numbers?

These are estimates.
Your real numbers come from us.

Tell us your situation and we'll give you an honest assessment of your borrowing capacity, suitable loan structures to consider, and which lenders may be worth approaching.

Get your real numbers Call 0422 101 112