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Welcome to our Financial tools and calculators section, we have developed free to use online calculators for your convenience to help you stay in control of your money. Select from the list of savings, tax and loan calculators below.

*Please note the results from each calculator should be used as an indication only.


View Home Loan Calculator View Refinancing Calculator

Looking for a new home? If so, it's important to know how your home loan payments will fit into
your budget.

Our calculator makes it easy to find out what the monthly, fortnightly and weekly repayments will
be for any loan. Simply enter the loan details to see projected payments based on the type of loan
and your repayment frequency.

By taking the time to understand what you can afford, you're one step closer to buying your dream home with confidence.

Find out how much you could potentially save by refinancing your loan.

View Borrowing Power Calculator View Stamp Duty Calculator

If you're in the market for a new home, our calculator takes the guesswork out of how much you can borrow.

Using your current income and existing financial obligations as a guide, you can get a quick estimate
of how much you can borrow and what your monthly repayments might be in today's home loan

The results from this calculator are meant to be an estimate only. Be sure to contact your financial adviser for advice if you're considering taking out a new loan.

Stamp duty is a tax levied when you buy property. It can significantly add to the cost of buying your home, so to avoid any unwanted surprises at settlement time, always be sure to factor stamp duty
into your budget.

How much stamp duty you’ll pay depends on which state you are buying in, the selling price and
type of property, and whether you'll be living in the property. By entering these details into our
Stamp Duty Calculator, you can get a quick estimate of how much stamp duty you'll need to pay for any property you are considering.

View Extra Repayments Calculator View Lump Sum Calculator

Regularly making extra repayments towards your mortgage can potentially save you thousands of dollars in interest and shave years off the life of your home loan.

Whether you have a fixed, variable or introductory rate loan, the InfoChoice Extra Repayment Calculator shows you how much you could put back in your wallet in the long term by making extra repayments. Simply enter the amount of the repayment, how often you'll be paying it, and when the repayment schedule will start.

Remember, the more you repay and the more frequently you make repayments, the bigger the potential savings.

Did you know that additional lump sum repayments are a great strategy to help you save on interest and take months or even years off your home loan?

Whether it's a tax refund, bonus or inheritance, applying a lump sum payment to your home loan can help you realise your dream of home ownership sooner.

To find out how much you could save in the long term, simply enter the lump sum amount and the
year it would apply. The greater the lump sum payment and the sooner it's applied, the more
interest and time you could shave off of your loan.

View Loan Comparison Calculator View Split Loan Calculator

The InfoChoice Home Loan Comparison Calculator helps you compare apples with apples and find
the right loan for your needs and budget.

With our calculator, you can compare different types of home loans, including fixed, variable and introductory rate offers, in order to determine which is cheapest in overall costs and interest

It only takes a few moments to compare products and see how the yearly savings can add up.

If you're on the fence about whether to go with a fixed or variable rate loan, split rate loans let you have the best of both worlds.

This means applying a fixed rate to a portion of your mortgage, while the rest remains variable.
That way, you can enjoy the predictability of more even payments while taking advantage of lower interest rates when available.

Our Split Home Loan Calculator lets you experiment with different split loan scenarios, so you can
find the best combination of fixed and variable interest rates for your needs.

View Principal and Interest Calculator (Amortization)
View Where can I Buy?

The InfoChoice Principal & Interest Breakdown Calculator makes it easy to see how much of your mortgage payment is going to principal and interest every month.

Just enter the loan amount, term length, interest rate and any repayments to get a complete breakdown of where your mortgage payments are going. It also shows you how much principal versus interest has been paid to date, so you can see how much equity you've built up.

As you can see, most of your payment goes to interest in the early years of your loan, as the principal balance is paid off over time.

If you're searching for a new home, our calculator can help you quickly narrow down the best postcodes for your budget.

Simply enter your loan details and desired state, and our calculator will provide you with a comprehensive list of suburbs, along with their median home price and growth rate.

We can help you find a suburb that fits your lifestyle and needs.

 View Personal Loan Repayments Calculator

Calculate repayments on a personal loan and see the total cost in interest over that time.

Savings & Planning Calculators

View Budget Planner Calculator View Savings Calculator

 Try our Budget Planner. Enter your annual income and expenses to assess your financial position.

Project how much you can accumulate over time from an initial contribution and regular ongoing deposits.

View Income Tax Calculator View Term Deposit Calculator

Work out your income tax liability according to the ATO's personal income tax scales.

Calculate your repayments & total interest under different fixed & variable rate scenarios.

View Credit Card Repayment Calculator

How much time and interest you can save by paying more than your minimum repayment.

Business Calculators

View Ready Set Grow    

The small business calculator that lets you enter set-up costs and running costs to establish a comprehensive business financial summary.



Today's Home Loan Rates

Institution Product
Rate^ (%)
Rate* (%)
Essentials Home Loan 60 3.49 3.51 Go to site
Advantage Home Loan 70 (No Offset) 3.64 3.66 Go to site
Home Value Loan - Owner Occupied 3.65 3.66 Go to site
Orange Advantage ($500k+ where LVR <=80% O/Occ) - Principal & Interest 3.74 4.06 Go to site
UHomeLoan SVR Value Offer (P&I) 3.74 3.74 Go to site
Institution Product
Rate^ (%)
Rate* (%)

^Standard rate for a $250,000 standard loan. The 3 year table shows loans that are fixed for 3 years.
*Comparison rates shown are based on a home loan of $150,000 for 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
For information on how we’ve selected these “Sponsored” and “Featured” products click here.


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Although we cover a range of products, providers and services we don't cover every product, provider or service available in the market. The information and products contained on this website do not constitute recommendations or suggestions to purchase or apply for any particular product. Products included on this site may not suit your personal objectives, financial situation or needs. Please consider whether it is appropriate for your circumstances, before making a decision to purchase or apply for any product. If you are considering acquiring any financial product you should obtain and read the relevant Product Disclosure Statement or other offer document prior to making an investment decision.

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