Assess your eligibility and borrowing capacity.
Nine Australian lending calculators, built the way lenders actually assess the numbers: income after tax, benchmark living expenses, credit limits, and the APRA serviceability buffer on top of the rate. Play with the numbers now, then we’ll turn estimates into a real plan on a 15-minute strategy call.
Borrowing capacity
How much a lender might extend, modelled the way lenders assess it: income after tax, a benchmark living-expense floor, your existing commitments, and the interest rate plus APRA’s 3.00 percentage point serviceability buffer.
Loan balance over the term
which could support a purchase around $0, allowing roughly 5% of the price for duty and acquisition costs.
A simplified illustrative model, not a credit assessment, quote or offer. Tax is estimated on 2025–26 resident rates plus a 2% Medicare levy and ignores offsets. Every lender assesses differently, results between lenders can be tens of thousands of dollars apart.
Budget planner
Where the money actually goes. Lenders look hard at this, and so should you, your surplus is what makes a loan serviceable in the first place.
left over each month
Estimates only, for illustrative and discussion purposes. Terms & conditions and normal lending criteria apply.
Loan repayments
What a loan costs per repayment and over its lifetime, including what happens when an interest-only period ends or you pay a little extra.
Loan balance over the term
per month, principal and interest
Estimates only, for illustration. Not a quote or offer of credit; excludes lender fees and government charges. Subject to lender assessment and eligibility criteria.
Extra & lump sum repayments
What a one-off payment, or a little extra each month, actually does to the interest you pay and the years you spend paying it. Modelled month by month, not approximated.
Balance with and without the extra repayments
and you could be debt free about , sooner.
Estimates only, for illustration. Assumes the rate stays unchanged for the full term and the lender permits extra repayments without penalty. Not a quote or offer of credit.
Offset account
An offset account holds your savings against the loan, so interest is charged on the difference. Unlike an extra repayment, the money stays available. This models it month by month, including anything you add along the way.
Balance with and without the offset
paying the loan off in , , about , sooner.
Estimates only, for illustration. Assumes a 100% offset, an unchanged rate and repayments continuing at the original scheduled amount. Package and annual fees are not included. Not a quote or offer of credit.
Split loan, fixed vs variable
Splitting a loan fixes part of your rate for certainty and leaves the rest variable for flexibility. This shows the blended repayment, and what a rate move would actually cost you.
,
Estimates only, for illustration. Assumes both portions run over the same term and ignores fixed-rate break costs, which can be substantial if you exit a fixed loan early. Not a quote or offer of credit.
Car and truck loan
Vehicle and equipment finance, including the balloon (residual) payment that makes the repayment look smaller than it really is.
Amount owing over the term
per month
Estimates only, for illustration. Business-purpose asset finance is generally not regulated in the same way as consumer credit. Not a quote or offer of credit; subject to lender assessment.
Stamp duty & upfront costs
Transfer duty is usually the largest single cost of buying, and every state calculates it differently. This applies the current published scales, adds the land registry fees, and shows the cash you would actually need on the day.
,
Estimates only, for illustrative and discussion purposes. Duty rates, thresholds, concessions and registry fees change without notice, confirm the exact figures with the relevant state revenue office or your conveyancer.
Personal loan
What a personal loan costs, fees included, and what it quietly does to your borrowing capacity for the next thing.
Amount owing over the term
per month, including fees
Estimates only, for illustration. Not a quote or offer of credit; excludes lender charges not entered above. Subject to lender assessment and eligibility criteria.
Numbers looking workable? The next step is a conversation, not an application, and it changes nothing on your credit file.
Book a 15-Minute Call
The real number is one call away.
Calculators are a compass, not a map. Every lender assesses differently, and results between them can be tens of thousands of dollars apart. A 15-minute call tests your figures against actual lender policy: deposit, LMI, stamp duty and all, with no credit check.
Book a 15-Minute Call