Calculators
Our easy-to-use calculators will show you if you're getting the best deal from your credit card, home loan, personal loan and more.
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Finder calculators can help you estimate how much you’re able to borrow for a home loan, calculate how much interest you'll earn from a savings account and compare different personal loan options. You can also learn how much you may be able to save using features like offset accounts and from paying your mortgage fortnightly instead of monthly. All of these calculators are free and easy to use.
Please note that these calculators and tools provide estimates for your general information. They do not represent quotes, and the success of your home loan or credit application isn't guaranteed based on the results of these calculators.
Credit card calculators
| Credit card repayment calculator | Balance transfer calculator |
| Trying to find out how long it will take to pay off your credit card? Use this calculator to figure it out. | Find out how much interest you could save by transferring your existing balance to a new credit card. |
Home loan calculators
Calculators for people preparing to buy a property
| How much can I borrow? | How much will my mortgage be? | LMI calculator |
| This calculator can give you an indication of how much money you may be able to borrow, so you can set your property buying budget. | Use this calculator to find out what the regular repayments on your home loan could be – choose from monthly, fortnightly and weekly payments. | With a low deposit home loan, you'll need to estimate your potential LMI costs. This calculator uses property value and borrowing amount to do that. |
| Property buying costs calculator | Stamp duty calculator | Split loan calculator |
| How much do you need to cover the cost of buying your property? Use this calculator to find out. | Stamp duty rules are different according to where you live. Use this calculator to help you find out how much you will pay in stamp duty. | Find out if splitting your home loan may help you save money on your mortgage repayments. |
Calculators for people who want to save money on their home loan
| Refinancing calculator | Bi-monthly payment calculator | Split loan calculator |
| Thinking about switching home loans? Use this calculator to help you work out how much you could save. | This calculator shows how much you can save by making fortnightly repayments. | Find out how a split loan works, and how splitting your home loan could help save you money. |
| Offset mortgage calculator | Extra repayment calculator | Lump sum calculator |
| Find out how much you could save in interest by stashing your savings in a mortgage offset account. | Investing even as little as the cost of a cup of coffee each day into your mortgage can make a big impact, helping you pay less interest and own your home sooner. | Use this calculator to see how much you could save – and how much faster you could pay off your home loan – by making lump sum payments. |
Other home loan calculators
| Income tax calculator | Personalised comparison rate calculator |
| Work out what your after-tax income is and see how much you can allocate towards your property. | Figure out the true cost of your home loan so you can choose the right mortgage for your goals. |
| How long will it take to pay off my mortgage? | Property selling costs calculator |
| Wondering how long it might take to pay off your mortgage? This calculator takes the guesswork out of it for you. | This calculator helps you take into account all the costs of selling your property so you know how much will be left in your pocket. |
Personal loan calculators
| Personal loan repayment calculator | Loan comparison calculator | Luxury car tax (LCT) calculator |
| Considering taking on a personal loan soon? Find out if you can afford the repayments using this calculator. | If you’re at the stage of deciding between two loans, see which one can save you more money. | This calculator can help you figure out how much LCT is included in the overall price of your luxury vehicle. |
| Novated lease calculator | Car loan comparison calculator | Car loan repayment calculator |
| Figure out the repayment amount thatyour employer will be taking out of your salary to pay for the vehicle. | Take the guesswork out of comparing interest rates and fees when comparing car loans. | Can you afford that new set of wheels? Work it out using this calculator. |
| Commercial hire purchase calculator | ||
| Find out how much your business could save with a commercial hire purchase. |
Savings account calculators
| Savings goal calculator | Am I wealthy? |
| Saving up for that something special? Use this calculator see when you can reach your goal and how much you need to regularly save to reach it. | How do your finances compare with the rest of the world? Here's how you can find out. |
Life insurance calculators
| Life insurance cover calculator | Income protection calculator | Retirement calculator |
| Trying to get an idea of how much life insurance you should take out? Use this calculator to help you determine an appropriate level of cover based on your current financial obligations. | Find out the monthly benefit you stand to receive from your income protection policy based on your current income. | Are you nearing retirement? Make sure you'll have enough money to fund your lifestyle when you're no longer working. Find out how much you're going to need to live comfortably with our retirement calculator. |
Frequently asked questions
Is the calculator a guarantee that the lender will approve this amount?
No, the calculator only shows you an indication based on the figures you’ve provided. The lender or financial institution still has the final decision.
I don’t know how much my lender’s mortgage insurance (LMI) is, what do I do?
In these cases, you’ll need to call your lender up and ask for a quote. It’s worth noting that LMI is calculated according to the amount you borrow, the overall loan size, the amount of your deposit and who the insurer is. It can range from a few thousand dollars to tens of thousands of dollars, however, you may be able to add the cost of LMI to your home loan.
How accurate are these calculators?
These calculators have been developed with sound mathematics to produce the results based on the information you’ve provided. The more accurate the fields you enter, the more accurate the figures.
I have a question about interest rates and fees. Who is the best person to ask?
For questions to do with interest rates and fees on an existing loan, it's best to talk to your financial institution directly. However, if you've got more broad questions about which home loan is right for you, or which is the best option for you, you may be better off talking to a mortgage broker. They can chat to you about your specific situation and help you find a home loan and interest rate that suits you best.
More guides on Finder
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RBA cash rate: Which lenders are raising their interest rates?
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Finder’s RBA survey: Cash rate rise to cost the average homeowner $7,300 a year
Homeowners on a variable mortgage rate have been dealt another blow and can expect to pay thousands more per year in interest, according to Finder.
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RBA’s 4th straight rate hike stings: 5 steps every borrower needs to take now
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Submission to CDR Strategic Assessment
In response to proposed to the strategic assessment of the implementation of an economy-wide CDR, Finder has prepared the following submission. In this submission we share our consumer research across the sectors we compare and our views on the relative opportunity that the CDR could bring to each sector.
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Home loan costs rise $400 in 3 months: Here’s what you can do about it
Rate increase have left borrowers stunned, but there are things you can do to pay less for your home loan repayments.
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RBA cash rate: When is your lender raising rates?
We're tracking every lender that has announced a rise in home loan rates off the back of the RBA cash rate decision.
