# Free home loan calculators

## Use Finder's home loan calculators to figure out your mortgage repayments, LMI, borrowing capacity and more.

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Before buying a home or getting a loan it's vital to use a calculator to understand your loan repayments. You can also use calculators to estimate your stamp duty costs, lenders mortgage insurance and other expenses, or to see how different loan features like offset accounts can save you money.

### Use our home loan calculator to estimate repayments

### Loan repayment calculator

Choose between monthly, fortnightly or weekly payment frequencies, to calculate what your regular minimum repayments will be on your home loan.

### How much can I borrow calculator?

Find out your borrowing potential so you know what you can afford. Although this differs from lender to lender, this calculator will give you a good estimate.

### Extra repayment calculator

Calculate how much money you could save by making regular extra monthly repayments.

### Stamp Duty Calculator

Avoid the confusion by using this calculator to work out how much stamp duty you will need to pay.

### Split rate loan calculator

Work out how much you will or won’t save if you were to split your loan.

### Property buying cost calculator

Work out how much you will need to cover other expenses like conveyancing fees and building inspection fees.

### Switching cost calculator

Find out if refinancing to another home loan will save you money.

### Other helpful calculators

## Income tax calculatorUse this calculator to work out your after tax income, and how much of your net income you will be able to allocate towards buying a property. | |

## Offset account savings calculatorThis calculator can tell you how much interest you’ll save and how much faster you can pay off your loan if you use an | |

## Reverse mortgage calculatorIf you’re thinking about your retirement, this calculator will estimate how much money you can borrow from your mortgage, based on your age and property value. | |

## Calculate how long it will take you to pay off your home loanThis easy-to-use calculator allows you to figure out how long it will take you to pay off your mortgage. | |

## See how much money you could save with bi-monthly repaymentsThis calculator shows you the time and money saved by making fortnightly repayments. |

### How to get the most out of our home loan calculators

Using these home loan calculators is easy. You just need to have an idea of your loan amount, desired interest rate, repayment type and other information. If you're a first home buyer or you're just doing early research, try and think of rough numbers to match your needs and budget.

Depending on the type of calculator, you can also enter details like which state you're in (stamp duty costs vary by state) as well as the repayment type (make sure you know the difference between principal and interest and interest-only loans.

Other calculators like the income tax calculator and the borrowing power calculator will require your income and current expenses. If you're not sure about any specific number, use an estimated figure.

The calculators give you flexible options like monthly, fortnightly or weekly repayments and various loan terms so you can tailor each calculator to your specific situation.