Property and Mortgage Calculators

Home Affordability, Loan-to-Value, Rental Yield, Cash Flow and Offset Account Calculators

Calculators for each stage of a property decision: how much you can borrow and save for, what the buying costs add, how an investment property performs on yield and cash flow, and how an offset account, interest-only period or extra equity changes the loan.

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Capital Growth Calculator

Future property value or the growth rate since purchase.

Every Property tool

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.

Updated

Home 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.

Updated

Interest-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.

Guides for common jobs

Buying a house — Eight calculators that walk through the money side of buying a home.

Price, costs and the loan

A property purchase has three numbers that are easy to confuse: the price, the total cost to buy, which adds the duty, legal fees and inspections you enter yourself, and the loan, which is the price less your deposit. Lenders look at the loan as a share of the value (the loan-to-value ratio) and at your repayments as a share of income. The mortgage repayment pages for Australia, the UK and the US sit in Calculators; these pages cover everything around them.

Renting and investing

For renters, rent affordability sets rent against income and rent vs buy compares the two paths over the years you plan to stay. For investors, rental yield, rental cash flow and capital growth cover income and value.