Money Calculators
Overtime, Pay Rise, Tip, Commission, Utility Bill, Mortgage Affordability and Rent vs Buy Calculators
Calculators for the money questions that come up most: what overtime or a pay rise adds, how a bill or a tip splits, what a house will cost to buy and hold, and how a loan changes with an offset account or an interest-only period.
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Salary Increase Calculator
A pay rise as a percentage, per pay period and after inflation.
Capital Growth Calculator
Future property value or the growth rate since purchase.
Salary Increase Calculator
A pay rise as a percentage, per pay period and after inflation.
Capital Growth Calculator
Future property value or the growth rate since purchase.
Pay 2
Overtime pay and salary increases.
Bills 3
Tips, split bills, commission and utility bills.
Property 14
Buying, borrowing and property investment.
Capital Growth Calculator
Future property value or the growth rate since purchase.
Home Affordability Calculator
The price you can afford from income, deposit and rate.
UpdatedHome Equity Calculator
Your home equity and how much of it you can use.
House Deposit Calculator
The deposit, cash needed and time to save it.
UpdatedInterest-Only Mortgage Calculator
Interest-only repayments and what happens when they end.
Loan-to-Value Calculator
The LVR of a mortgage and what it takes to hit a target.
Mortgage Comparison Calculator
Which of two home loans is cheaper once fees count.
Mortgage Offset Calculator
Interest and years saved by an offset account.
Property Buying Costs Calculator
Every buying cost and the total cash you need.
Property Cash Flow Calculator
What a rental property costs or pays you each week.
Property Settlement Calculator
The balance at settlement with rates adjusted by day.
Rent Affordability Calculator
The rent you can afford from your income.
Rent Vs Buy Calculator
Whether buying or renting leaves you better off.
Rental Yield Calculator
Gross and net rental yield on an investment property.
Debt 7
Interest, repayments and getting out of debt faster.
APR To APY Calculator
Convert APR to APY and back for any compounding frequency.
Amortization Schedule Calculator
Full loan amortization schedule by year or by month.
Debt Payoff Calculator
Debt-free date and interest with the avalanche or snowball method.
Extra Mortgage Payment Calculator
Interest and years saved by overpaying your mortgage.
Loan Comparison Calculator
Compare two loans by payment, interest, fees and total cost.
Refinance Calculator
New payment, break-even month and lifetime saving from refinancing.
Simple Interest Calculator
Simple interest, total amount and interest per year and month.
Investing 8
Growth, returns, dividends and the value of money over time.
CAGR Calculator
Compound annual growth rate between two values over time.
Capital Gains Calculator
Capital gain, tax at your own rate and annualised return.
Dividend Calculator
Dividend yield, income per payment and reinvestment growth.
Dollar Cost Averaging Calculator
Average cost from regular fixed investments, versus a lump sum.
Future Value Calculator
Future value or present value of money at any rate.
Investment Calculator
Investment growth from a lump sum plus monthly contributions.
NPV And IRR Calculator
Net present value, IRR, payback and profitability index.
Stock Profit Calculator
Profit, percentage return and break-even price on a share trade.
Saving 3
Retirement balances and the road to financial independence.
Guides for common jobs
- Buying a house — Eight calculators that walk through the money side of buying a home.
You enter the rates
None of these pages builds in a tax rate, duty scale or government threshold. Wherever a figure depends on where you live or which plan you are on, such as a unit rate, a stamp duty bill or a lender's limit, you type it in yourself, so the result is only ever as current as the figure you give it.
What these calculators leave out
They work out the standard case and show every step. The results are estimates for planning, not financial advice, and your lender, employer or supplier has the final word.
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