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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

—

#	Payment	Interest	Principal	Balance

Year	Balance	Interest	Principal

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.