Run the numbers yourself
Ten calculators, free to use, no sign-up. Every one of them shows you an answer before it asks you anything.
Before you buy
Borrowing power
An indicative range, based on what is left after living costs.
Deposit planner
What you need saved, including the government costs people forget.
Stamp duty
Transfer duty and the government fees that come with it.
The loan itself
Loan repayments
What you would repay — and what paying a little extra would save.
Refinance savings
What a lower rate saves, after what switching costs.
Loan comparison
Two loans compared on total cost rather than headline rate.
Everything around it
Buying and selling cost
The full cost of moving, on both sides of the transaction.
Budget planner
Income against spending, with everything converted to one frequency.
Expense planner
What your household actually costs to run each month.
Personal loan
Repayments on a personal loan, and what it costs in total.
What a calculator cannot tell you
Every figure on these pages is an estimate. They do not know your lender’s fees, whether you have an offset account, how a lender will treat your overtime or your childcare, or where rates will go. Two lenders looking at identical numbers can land a hundred thousand dollars apart.
The largest gap is the interest rate the sum is done at. A lender does not assess you on the rate you would pay; under APRA’s rules it has to add a buffer of at least three percentage points on top and check that you could still afford the repayments. So a borrowing power figure worked out at an advertised rate will always sit above what a lender will actually approve. That buffer has been three percentage points since October 2021, and APRA confirmed in May 2026 that it stays there.
The second gap is living expenses. What you type into a calculator is what you believe you spend. A lender takes that figure, compares it against a benchmark for a household of your size and income, and works to whichever of the two is higher. For most people the declared figure is the lower one, which is a second reason a real assessment lands under the estimate.
The third is everything specific to you rather than to the loan: a HECS or HELP balance, a car lease, a credit card limit you never draw on but which is counted at its limit rather than its balance, income that is overtime, commission, casual or self-employed, and how long you have been in the job. None of it appears in a calculator. All of it appears in a credit assessment.
Use them to get oriented, then have a broker check the one that matters against real lender policy. That part costs nothing either.
Want the real number?
A broker checks it against 60+ lenders. No cost to you.