Mortgage & Finance Calculators

Auto-updates as you type.

Loan amount
Interest rate (p.a. %)
Term (years)
Repayment frequency
Type
Interest-only period (years)
Extra repayment (per period)
Use the subtabs to see summary or schedules.

Repayment

$—

Total interest

$—

Total paid

$—

Time to repay

—

#PaymentInterestPrincipalBalance
YearBalanceInterestPrincipal
Household
Dependants
Gross income (annual)
Other income (annual)
Living expenses (monthly)
Other debt (monthly)
Dependant allowance (monthly/dep)
Assessment rate % (= actual loan rate + possible rate rise )
Term (years)
Simple affordability model (not lender engine).

Estimated max loan

$—

Repayment cap (monthly)

$—

Estimated net (monthly)

$—

Spare monthly cash

$—

Current balance
Current rate (p.a. %)
Remaining term (years)
New rate (p.a. %)
Switching costs
Assumes same term, P&I.

Current (monthly)

$—

New (monthly)

$—

Monthly saving

$—

Break-even

—

Loan amount
Term (years)
Loan A rate (p.a. %)
Loan B rate (p.a. %)
Assumes both P&I, same term.

A (monthly)

$—

B (monthly)

$—

A total interest

$—

B total interest

$—

Loan amount
Rate (p.a. %)
Term (years)
Offset balance
Extra repayment (monthly)
Offset reduces interest-bearing balance.

Base interest

$—

With offset/extra

$—

Interest saved

$—

Time saved

—

Target property price
Deposit (%)
Current savings
Savings per week
Savings interest (p.a. %)
Weekly compounding + contributions.

Target deposit

$—

Remaining

$—

Time to reach

—

Projected at target

$—

State / Territory
Property value
Estimate only.

Stamp duty

$—

Duty %

—

Property price
Deposit (%)
Estimate only.

Loan amount

$—

LVR

—

Estimated LMI

$—

LMI % of loan

—

Property price
Stamp duty (auto) — override if needed
Legal & conveyancing
Building/pest inspections
Lender / application fees
Moving / setup
Duty auto-fills unless you type your own.

Total upfront

$—

Upfront %

—

Net income (monthly)
Housing
Food
Transport
Bills
Insurance
Lifestyle
Other
Simple monthly roll-up.

Expenses

$—

Surplus

$—

Savings rate

—

Annual surplus

$—

Loan amount
Rate (p.a. %)
Term (years)
Frequency
Balloon (end)
Upfront fee
Balloon included in totals.

Repayment

$—

Total interest

$—

Total paid

$—

APR-ish

—

Loan amount
Rate (p.a. %)
Term (years)
Upfront fee
APR-ish includes fee impact.

Monthly

$—

Interest

$—

Total paid

$—

APR-ish

—

Want an exact figure for your situation?

Use the calculators above, then book a quick call with Clarity Financial to validate numbers, options, and next steps.

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Disclaimer: This calculator provides estimates only and is for general information. Results may vary based on lender rates, fees, and your circumstances.
It’s not financial or credit advice. Contact Clarity Financial for a personalised assessment.