Calculators that show their working
Every one of these gives you a number and then tells you how it got there — what it counted, what it assumed, and what would change it. Free to use, no account needed. Saving your results needs a free account.
Borrowing power
What a lender is likely to let you borrow, once tax, living costs and existing debts are taken off.
- You give
- Income, expenses, debts, dependants
- You get
- Estimated maximum loan
Pairs with Borrowing power & credit
Open calculatorDeposit & LMI
How your deposit stacks up, whether Lenders Mortgage Insurance applies, and roughly what it would cost.
- You give
- Price, deposit saved, first home buyer status
- You get
- Deposit %, LVR, LMI estimate, scheme eligibility
Pairs with Your deposit & savings plan
Open calculatorStamp duty (VIC)
Victorian stamp duty with the first home buyer exemption and concession applied.
- You give
- Price, first home buyer status, property type
- You get
- Duty payable and what you save
Pairs with Grants & schemes decoded
Open calculatorUpfront costs
The real number: deposit plus duty, conveyancing, inspections, LMI and a buffer.
- You give
- Price, deposit, property type
- You get
- Total cash you need to have
Pairs with Your deposit & savings plan
Open calculatorLoan repayments
What the repayments would be, and how much a little extra each month would save you.
- You give
- Loan amount, rate, term, frequency
- You get
- Repayment and total interest
Pairs with Borrowing power & credit
Open calculatorGrant & scheme checker
Which of the four overlapping first home buyer schemes you actually qualify for.
- You give
- Income, price, property type, residency, prior ownership
- You get
- Scheme-by-scheme eligibility
Pairs with Grants & schemes decoded
Open calculatorWant someone to look at your actual numbers?
Book a free 30-minute chat. No pitch, no obligation — just a plain-English read on where you stand and what your options are.