Know where you stand before you buy. Everything for planning a home purchase, in one place: work out your repayment and see how an offset account speeds up payoff, estimate stamp duty for any state, track your savings against what you'll need at settlement, map out your income and expenses, turn a gross salary into take-home pay, and keep your approval documents attached as you go.
Not just how the figure is shown — paying fortnightly or weekly clears the loan sooner, because you make the equivalent of an extra month's repayment each year.
Tap Edit to change the loan amount, rate or term. Results stay visible.
How much you'd still owe over the life of the loan.
How each year's repayments split between principal and interest. Figures in $.
| Year | Payment | Principal | Interest | Balance |
|---|
Assumes a fixed rate and a fixed monthly repayment for the full term (the standard amount for the original loan and term). An offset account is modelled as reducing the interest-bearing balance each month by the offset balance, with your repayment unchanged — so the difference shows up as a faster payoff and less interest paid, not a lower monthly repayment. This is a planning estimate, not a lender's amortisation schedule.
Estimated transfer (stamp) duty on the purchase, using each state's general rates. Excludes pensioner, foreign-buyer and off-the-plan concessions — those can change the figure further, so treat this as a starting estimate.
Tap Edit on a section to change it. Results stay visible below.
Deposit + extra cash = purchase price minus the loan. It's highlighted when it's more than the lender's minimum deposit.
Total cash needed = purchase price − loan amount + stamp duty + land registry fees + lawyer's/conveyancer's fees + building & pest inspection + LMI if you're paying it at settlement. Land registry fees cover registering the transfer and your mortgage on title; a seller normally pays to discharge their own mortgage, so that isn't counted here. NSW and Victorian figures are the published 2026-27 amounts (Victoria's scale with price); other states are estimates you can overwrite, since several scale the transfer fee by price. LMI figures are indicative only, from a published mainstream-lender premium table plus your state's insurance duty on the premium — your lender will quote the exact amount, and premiums vary by thousands between lenders at the same LVR. First home buyer figures assume you meet each state's eligibility rules (never owned property, moving in as your principal residence, etc.) — not verified here. Rates checked September 2026 and revised periodically — confirm with the relevant state revenue office or your conveyancer before settlement.
A separate what-if: enter any approved loan amount to see the biggest property it reaches, without changing your actual numbers above.
List everywhere your settlement cash is coming from, and see how it stacks up against what you need.
| Source | Amount | |
|---|---|---|
| Total | $0 |
No funds added yet — add your savings, gifts, or scheme withdrawals above.
"Cash needed at settlement" is pulled from the Stamp Duty tab (deposit + duty + lawyer's fees + building & pest). Set your purchase price, deposit and state there first for an accurate comparison.
Enter each item at whatever frequency it actually happens — a fortnightly pay, monthly rent, a yearly insurance bill — and view the lot converted to one period.
Tap Edit to add or change items. Totals stay visible below.
Your pay, your partner's pay and your business income come from the Pay Calculator tab, so they're read-only here and marked Pay Calculator. Each is one take-home figure covering salary, overtime, bonus, commission and packaging. To change them, edit the Pay Calculator and press Send to Income & Expense again — nothing flows across until you do, so send it through every time you change something there.
Other income — rent received, interest, trust distributions, Centrelink or family payments, dividends from shares you hold yourself — you add below. Enter these after tax: every figure on this tab is take-home, and Borrowing Capacity treats them as net, so a gross figure would overstate what you can borrow.
| Item | Per month | |
|---|---|---|
| Total income | $0 |
No income added yet.
| Item | Per month | |
|---|---|---|
| Total expenses | $0 |
No expenses added yet.
Conversions use 52 weeks, 26 fortnights and 12 months per year, so a monthly figure shown weekly is ×12÷52, not ÷4. Enter income after tax for a true picture of what you can put towards repayments.
What you own against what you owe. Lenders assess this alongside your income, and the liabilities side — especially credit card limits — affects how much they'll lend.
Tap Edit to add or change items. Totals stay visible below.
| Item | Value | |
|---|---|---|
| Total assets | $0 |
No assets added yet.
| Item | Balance | Limit | |
|---|---|---|---|
| Total owing | $0 |
No liabilities added yet.
Credit cards are assessed on their limit, not the balance — lenders typically treat about 3.8% of the limit a month as a commitment, so an unused $20,000 card can cut your borrowing power by roughly $70,000–$100,000. Set the limit on any card or line of credit; leave it blank for ordinary loans.
An estimate of what a lender might advance, built from your Income & Expense, Assets & Liabilities and Savings tabs. Two separate limits apply — what your income can service, and what your deposit can reach — and the smaller one decides your budget.
Income shading
Lenders count variable income at a discount — usually 80% for bonuses, overtime, commission and rent. Tick whichever of your income lines is variable.
What this is built from
How this works: lenders test you at your rate plus a buffer (APRA's guidance is 3%), against your declared living expenses or a benchmark, whichever is higher. Revolving credit is counted on its limit at about 3.8% a month. The purchase-price limit solves for the largest price your savings still cover once stamp duty, registry fees, legal costs, inspection and any upfront LMI are paid. This is an estimate to plan with, not a lender's assessment — lenders also apply income shading, household benchmarks (HEM) and their own credit policy, and your own figures drive everything here.
Turn a gross salary into take-home pay using the ATO's resident tax rates: income tax after the low income tax offset, Medicare levy, HELP repayments and super guarantee.
Tap Edit on a section to enter or change its figures.
Overtime isn't "ordinary time earnings", so no super guarantee is paid on it. Penalty rates and leave do attract super. Enter the overtime dollars included in the gross above.
Paid on top of the salary above — don't enter it twice if your gross figure already includes it. Bonuses are ordinary time earnings, so super guarantee is paid on them, and they're taxed at your marginal rate. Lenders usually count only about 80% of bonus income, and often want two years of history.
Paid on top of the salary above. Commission attracts super guarantee and is taxed as ordinary income. As with bonuses, lenders typically shade it to 80%.
Pre-tax pay used for everyday expenses (rent or mortgage, bills, loan repayments) through a packaging provider. Hospitals, health and charity employers can do this free of fringe benefits tax up to a yearly cap. It isn't taxed, but the money is still yours to spend, so it's added back into take-home. It counts as a reportable fringe benefit, which raises income for HELP repayments and the Medicare levy surcharge.
Sets the yearly packaging cap. Public and not-for-profit hospitals and public ambulance services: $9,010 a year ($17,000 grossed-up). Public benevolent institutions and health promotion charities: $15,900 ($30,000 grossed-up). Caps run on the fringe benefits tax year, 1 April to 31 March. Leave packaging at $0 if your employer doesn't offer it.
A separate packaging allowance for dining out, catering and venue hire, up to $2,650 a year on top of the main cap. It's paid before tax and, unlike general packaging, isn't a reportable fringe benefit.
Anything else taken out before tax that you don't get back as spending money, such as packaging admin fees or paid parking at work. It lowers taxable income but isn't added back to take-home.
Payments your company makes to you for acting as a director, on top of any salary. They're a tax-deductible expense for the company, taxed at your personal rates like wages, and they earn 12% super guarantee. The company should withhold PAYG tax from them; if it doesn't, put money aside for your tax bill.
The cash your company pays you out of its after-tax profit. Enter only your share: with two shareholders, each receives dividends in line with their shareholding. The calculator adds the franking credit on top, taxes the total at your rates, then takes the credit off your tax.
How much of the dividend comes with a credit for company tax already paid. 100% (fully franked) is usual when the company has paid tax on its profits; your dividend statement shows the franking %. Each franked dollar carries a credit you can use against your own tax, and it's refunded if it's more than the tax you owe.
Sets the size of the franking credit. Companies with turnover under $50 million and no more than 80% passive income (rent, interest, dividends) are base rate entities taxed at 25%; others pay 30%. Your accountant or the company's tax return will confirm which applies.
Copy the figures straight off a payslip and pick the pay period here. Hours, penalties and overtime change from pay to pay, so an average pay is more reliable: divide the year-to-date gross (and each deduction) by the number of pays so far this financial year.
Everything earned before any deductions: normal hours, overtime, penalty rates, allowances and paid leave. On a payslip it's usually "Total Gross Earnings".
Overtime isn't "ordinary time earnings", so the employer doesn't pay super guarantee on it. Penalty rates and leave do attract super. Enter the overtime dollars included in the gross above.
Paid on top of the gross above — don't enter it twice if the payslip gross already includes it. Bonuses attract super guarantee and are taxed at the marginal rate; lenders usually count about 80% of them.
Paid on top of the gross above. Commission attracts super guarantee and is taxed as ordinary income, and is usually shaded to 80% by lenders.
Extra pay redirected into super before tax. It's taxed at 15% inside the fund instead of at the marginal rate, but it's locked away until retirement, and it counts towards the concessional cap along with the employer's super.
Pre-tax pay used for everyday expenses (rent or mortgage, bills, loan repayments) through a packaging provider — "SP Benefits" on many health payslips. Hospitals, health and charity employers can do this free of fringe benefits tax up to a yearly cap. It isn't taxed, but the money is still yours to spend, so it's added back into take-home. It does count as a reportable fringe benefit, which raises income for HELP repayments and the Medicare levy surcharge.
Sets the yearly packaging cap. Public and not-for-profit hospitals and public ambulance services: $9,010 a year ($17,000 grossed-up). Public benevolent institutions and health promotion charities, such as many charities and aged-care providers: $15,900 ($30,000 grossed-up). Caps run on the fringe benefits tax year, 1 April to 31 March. See "Salary packaging caps & rules" at the bottom of this tab for more.
A separate packaging allowance (often a "Meal Ent Card") for dining out, catering and venue hire, up to $2,650 a year on top of the main cap. It's paid before tax and, unlike general packaging, isn't a reportable fringe benefit.
Anything else taken out before tax that you don't get back as spending money, such as packaging admin fees or paid parking at work. It lowers taxable income but isn't added back to take-home.
Payments a company makes to your partner for acting as a director, on top of any salary. Taxed at personal rates like wages, and they earn super guarantee.
Your partner's share of company profit paid out as dividends. Enter only their share. The calculator grosses it up by the franking credit, taxes the total at their rates, then takes the credit off their tax.
How much of the dividend carries a credit for company tax already paid. 100% is usual where the company has paid tax on its profits; the dividend statement shows the franking %.
| You | Week | Fortnight | Month | Year |
|---|
| Partner | Week | Fortnight | Month | Year |
|---|
Why take-home is more than the payslip's "Nett". Nett is only what reaches the bank account. Salary packaging ("SP Benefits") and the meal card are taken from pay before tax and spent through the packaging provider on things like rent, mortgage, bills and meals. That money never shows in the bank, but it's still your partner's to spend, so it's added back: Net pay + Packaged = Take-home. Leaving it out would understate income while the expenses it pays still appear on the Income & Expense tab. Net pay here can differ from the payslip by a few dollars, because the meal card stops at its $2,650 yearly cap and the ATO's pay tables round tax slightly differently.
Household take-home per fortnight
Per year: take-home $0 · mortgage $0 · expenses $0 · left over $0
Sets your after-tax salary line to the take-home figure above, at the frequency you've highlighted. Business income goes in as its own line. Send it through again whenever you change anything on this tab — the Income & Expense tab only updates when you press this button.
Salary packaging lets employees of hospitals, health services and charities pay some living costs from pre-tax pay. The employer pays no fringe benefits tax (FBT) up to a yearly cap, so the packaged amount is free of income tax and the Medicare levy.
| Who / what | Yearly cap | Gross-up |
|---|---|---|
| Public & not-for-profit hospitals, public ambulance services | $9,010 | $17,000 |
| Public benevolent institutions (most charities, many aged-care and disability providers) & health promotion charities | $15,900 | $30,000 |
| Meal entertainment & venue hire — extra, on top of either cap above | $2,650 | $5,000 |
Caps per the ATO's fringe benefits tax rules for exempt and rebatable employers, checked October 2026. Confirm with the employer's packaging provider.
Add the places you're looking at. Each one is costed with your current Stamp Duty tab settings — state, deposit, approval and LMI — so you can compare them on what they'd actually cost you, not just the asking price.
No properties yet. Add one above to see what it would cost you.
Costs update automatically if you change your settings on the Stamp Duty tab. Paste the listing link so you can jump back to it — listings can't be searched from inside this app, so add properties you've found on realestate.com.au, Domain or at an open home.
What each 0.25% rate rise does to your repayment, and what's left over once it's paid. Your loan, rate and term come from the Loan Calculator; income and expenses from the Income & Expense tab.
Any other debt you're repaying. Variable loans rise with the rate alongside your mortgage; tick fixed for ones that don't, like most car and personal loans.
| Rate | Repayment | Extra | Spare |
|---|
Each row adds 0.25%. “Extra” is the rise in repayment against your current rate; “left over” is your income less expenses less the repayment, at the same frequency. The shaded row is the rate lenders test you at — your rate plus 3%, APRA's buffer — so being short there doesn't mean a lender will decline you, but it does show where the budget stops working. Repayments assume principal and interest over the remaining term, with no offset.
Keep your approval letter, contract, or statements attached to this calculation. Stored only in this browser, on this device.
No documents attached yet.