Use our selection of home and personal loan calculators to help you calculate how much you can borrow, figure out how much you need to set aside for stamp duty charges, see how much you could save on your mortgage by making extra repayments and more.
Not sure where to start? If you’re buying your first home, begin with the Borrowing Power Calculator to understand your budget, then use the Stamp Duty Calculator to estimate upfront costs, and finish with the Loan Repayment Calculator to check your monthly commitments.
Home Loan Calculators
Borrowing power calculator
Your borrowing power is a critical number to know — it determines how much you can spend on a property. This calculator estimates your maximum loan amount based on your income, expenses, and current interest rates.
Extra mortgage repayments
This mortgage repayment calculator helps you calculate how much you could save by making extra repayments.
Loan comparison
Different loans have different fees, features and repayment options. Use our loan calculator to see how the numbers stack up between two loans.
Honeymoon rate loan
Use this calculator to compare what your repayments would be on a honeymoon (introductory rate) loan compared to a variable loan.
Loan repayment
Use this repayment calculator to understand how much your loan repayments might be.
Mortgage offset
An offset account can save you thousands in interest over the life of your loan. This calculator shows how much faster you could pay off your mortgage by linking a savings balance to your home loan.
Lump sum repayment
This home loan repayment calculator helps you calculate the savings benefits of making additional lump sum repayments on your home loan.
Split loan
This split loan calculator will determine your required payments and how they compare for the variable term and fixed term of the loan.
Budgeting Calculators
Budget planner
Use this budget planner to help understand your income and expenses, and where you could make savings.
Stamp duty calculator
Stamp duty is one of the biggest upfront costs when buying property in Australia. Use this calculator to find out exactly how much you’ll need to budget, based on your state or territory and purchase price.
Savings Planner
Use this calculator to find out how much you could save over a period of time.
Other Calculators
Car loan
Find out how much your car loan repayments will be, and the total interest charged for the car loan.
Credit Card
Understand how long it’ll take to complete your repayments and how much interest you will pay.
Income Tax
The income tax calculator can be used to calculate your net income.
Start with the Borrowing Power Calculator. Knowing your maximum loan amount sets your property budget. From there, use the Stamp Duty Calculator to estimate upfront costs, then the Loan Repayment Calculator to check your monthly commitments are comfortable.
These calculators are a useful starting point, but they work on estimates. Actual borrowing power and repayments depend on your full financial picture – income, debts, credit history, and the specific lender’s policies. Think of the results as a planning guide rather than a guaranteed figure. A mortgage broker can give you a precise assessment based on your situation.
Yes – that’s exactly what they’re designed for. Running the numbers before you speak to a broker helps you arrive with realistic expectations. Once you’re ready, getting pre-approved gives you a confirmed borrowing limit you can rely on when making an offer.
The borrowing power calculator answers: how much can I borrow? The loan repayment calculator answers: what will my repayments be? They work together. Use borrowing power to set your ceiling, then plug that loan amount into the repayment calculator to make sure the monthly figure fits your budget.
Even small additional payments can cut years off your loan and save tens of thousands in interest. Use the Extra Repayments Calculator to see the impact of paying an extra $50, $100, or $500 per month on your specific loan amount and term.
The calculators help you plan – a broker helps you act. Ingram Financial compares loans across multiple lenders, handles your application, and negotiates on your behalf, all at no cost to you. Book a free consultation when you’re ready to take the next step.