Free · No sign-up · Built for Australian rules
Free mortgage and loan calculators for Australia
Estimate your home loan repayments, how much you could borrow and the stamp duty on your next purchase. Every calculator on this page is free to use, with no sign-up.
Take all 38 calculators with you
Mortgage & Loan Calculator AU
Mortgage & Loan Calculator AU puts every calculator here, and more, on your phone. Work out repayments, borrowing power and stamp duty for any state, then check LMI, offset savings and refinancing. It's free, with no ads, no sign-up and no in-app purchases, and most calculators work offline.
Supports iPhone Duo in the latest version (1.7.0).
Borrowing PowerMortgage RepaymentStamp DutyLMI CalculatorLoan ServicingExtra RepaymentsOffset AccountRefinancingRent vs BuyComparison RateScientific + RPN+28 more
Search for "Mortgage & Loan Calculator AU" in the App Store or Google Play.
Ratings as of 24 Oct 2026
Calculator results are estimates for general information only. They don't take your objectives, financial situation or needs into account, and they aren't financial advice, a credit assessment or a loan offer. Check your situation with a licensed professional before you decide. Jokuda Pty Ltd, ABN 53 684 590 609, Australian credit licence 573020.
Home loan repayment calculator
Enter the property price, your deposit and an interest rate to see an estimated monthly repayment and loan amount.
Monthly repayment
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Enter an interest rate to see your repayment
Assumes a 30-year loan term with principal and interest repayments.
Estimate only. Want weekly or fortnightly repayments, or a full breakdown of principal and interest? The Mortgage & Loan Calculator AU app does both. Get the app
How much can you borrow?
Lenders look at your income, your living costs and what you already owe. These tools give you an estimate before you talk to anyone.
Borrowing Power
Estimate how much you could borrow from income, costs and debts.
Also in the app
Calculate
Loan Servicing
A lender-style serviceability check using HEM living-cost benchmarks.
Also in the app
Calculate
Budget Planner
Map your income and spending to see what repayments could fit.
Also in the app
Plan my budget
Buying property: stamp duty, LMI and first home costs
Work out the upfront costs before you make an offer: stamp duty for your state, LMI if your deposit is under 20 per cent, and first home buyer concessions.
Stamp Duty
Estimate duty for NSW, VIC, QLD, WA, SA, TAS, ACT and NT.
Also in the app
Calculate
LMI Calculator
Estimate Lenders Mortgage Insurance when your deposit is under 20 per cent.
Also in the app
Calculate
First Home Buyer
Check grants, duty concessions and deposit needs in your state.
Calculate
Investment Property
Estimate rental yield, cash flow and returns on an investment.
Also in the app
Calculate
Pay your home loan off sooner
Already have a home loan? See what extra repayments, an offset account or a refinance could do to the interest you pay and the time it takes.
Extra Repayments
See the interest and years you could save by paying more.
Also in the app
Calculate
Offset Account
See how savings in an offset could cut your home loan interest.
Also in the app
Calculate
Refinancing
Compare your current home loan with a new one, costs included.
Also in the app
Calculate
Comparison Rate
See the cost of a loan once fees are added to the rate.
Also in the app
Calculate
Vehicle, equipment and business repayments
Estimate repayments on a vehicle, a novated lease, equipment or business finance.
Car Loan Calculator
Vehicle repayments with balloon, trade-in and fee options.
Also in the app
Calculate
Novated Lease
Compare an EV and a petrol car on a novated lease, tax savings included.
Also in the app
Calculate
Business Loan
Estimate repayments and total interest on business finance.
Monthly Repayment
$0
Total Interest
$0
Estimate only. General information, not financial advice. Jokuda Pty Ltd, ACL 573020.
Asset Finance
Estimate repayments on a vehicle or equipment purchase.
Monthly Repayment
$0
Total Cost
$0
Assumes a 5-year finance term.
Estimate only. General information, not financial advice. Jokuda Pty Ltd, ACL 573020.
Planning and tax
Estimate your income tax, plan a savings target, or model a loan in detail with AmortPro.
Income Tax Calculator
Estimate your tax and Medicare levy at current Australian rates.
Also in the app
Calculate
Savings Goal
Work out how much to save each week to reach a deposit goal.
Also in the app
Calculate
AmortPro Calculator
Model a loan in detail with rate changes, extra payments and cash flows.
Also in the app
Open AmortPro
Everyday debts
See how long a balance will take to clear, and what rolling debts together could change.
Personal Loan
Estimate repayments and total interest on a fixed-term loan.
Monthly Repayment
$0
Total Interest
$0
Estimate only. General information, not financial advice. Jokuda Pty Ltd, ACL 573020.
Credit Card Payoff
See how long your balance will take to clear, and the interest.
Time to Pay Off
0 yrs
Total Interest
$0
Estimate only. General information, not financial advice. Jokuda Pty Ltd, ACL 573020.
Debt Consolidation
Compare paying debts separately with rolling them into one.
Monthly Savings
$0
Total Savings
$0
Assumes a 5-year repayment term on both loans.
Estimate only. General information, not financial advice. Jokuda Pty Ltd, ACL 573020.
Calculator questions
How accurate are these calculators?
They use standard formulas and published Australian rules, so they give a sound estimate. A lender's figure can differ because it depends on your full application, the lender's policy and the rate you're offered. Treat the result as a starting point.
How is borrowing power worked out in Australia?
Lenders take your income, subtract your living costs and existing repayments, then test whether you could still afford the loan at a higher assessment rate. Each lender uses its own rules, which is why estimates vary from one calculator to the next.
What is stamp duty and how much will I pay?
Stamp duty (transfer duty) is a state tax on buying property. The amount depends on the price, your state or territory, whether you'll live there and whether you're a first home buyer. Our stamp duty calculator covers all eight states and territories.
How does an offset account reduce my home loan interest?
Money in an offset account linked to your home loan is subtracted from the loan balance before interest is worked out. You pay interest on the difference, and you can still use the money when you need it.
What is LMI and when do I pay it?
Lenders Mortgage Insurance protects the lender, not you. It's usually charged when your deposit is less than 20 per cent of the property value. The cost depends on the loan size, your deposit and the lender.
Are these calculators free?
Yes. Every calculator on jokuda.com is free with no sign-up, and so is the Mortgage & Loan Calculator AU app for iPhone and Android.
Still have questions?
Want a second opinion on the numbers?
Jokuda is a Sydney finance broker. If you'd like help with a home loan or a small loan up to $30,000, we can compare options from our lender panel and explain how each one would work for you. Talking to us won't affect your credit score to start.
What people are saying
★★★★★
Exceptional app made for Australians, who are looking to get various types of financial calculators from stamp duty, mortgage repayments to tax calculators. It also lets you save your favourite so you don't need to look through all 30+ calculators every time you open app!
DG · Google Play · 20/09/2026
★★★★★
So handy!
I love how there are so many functions in this app, and the layout is very straightforward
potatelyn_987 · App Store · 12/05/2026
★★★★★
This is a great app!
The app is so well designed and made. So easy to use. Thank you
C2IIqq · App Store · 10/04/2026
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