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
Find out how much you could borrow based on your income, expenses and debts, so you know your price range before you start house hunting.
Extra Repayments
See how much interest and time you could save by adding a little extra to your regular home loan repayments each month.
Loan Comparison
Compare two home loans side by side, including rates, fees and terms, to see which loan could cost you less overall.
Honeymoon Rate Loan
Compare repayments on a honeymoon (introductory) rate with a standard variable rate, and see what happens when the introductory period ends.
Loan Repayment
Estimate your regular home loan repayments based on your loan amount, interest rate and term, so you can plan your budget with confidence.
Mortgage Offset
See how an offset account could cut your interest and help you pay off your mortgage sooner by linking your savings to your loan.
Budgeting Calculators
Budget Planner
Map out your income and expenses to see where your money goes each month and where you could free up extra savings.
Other Calculators
Car Loan
Estimate your car loan repayments and the total interest you could pay, so you can compare your options before you buy.
Balloon Payments
See how a balloon or residual payment lowers your regular car loan repayments, and what it adds to the total cost.
Frequently Asked Questions
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.
Need Some Help?
Not sure where to start? That’s exactly what we’re here for. Drop us a message and we will get back to you within one business day with clear, honest advice tailored to your situation.