Mortgage calculators for NSW, 2026–27 Home loan and money calculators

Nineteen calculators for borrowing, repayments, NSW stamp duty, offset accounts, refinancing, budgeting and more. NSW duty and tax figures are for 2026–27.

Home loans

Loan repayment calculatorRepayments, total interest and interest-only periods.Borrowing power calculatorAn estimate of how much you could borrow.Extra repayments calculatorHow much time and interest extra repayments save.Lump sum repayment calculatorThe effect of a one-off payment on your loan.Offset account calculatorInterest saved with money in an offset account.Loan comparison calculatorCompare two loans on interest and fees.Split loan calculatorRepayments for part fixed, part variable.Honeymoon rate calculatorWhat happens when an introductory rate ends.

Buying in NSW

NSW stamp duty calculatorTransfer duty, first home buyer concessions and foreign buyer surcharge.NewNSW first home buyer cost calculatorDeposit, stamp duty and loan size in one place.

Property owners

NewUsable equity calculatorHow much equity you may be able to borrow against.NewRefinance savings calculatorMonthly saving, break-even point and five-year saving.

Budgeting

Budget plannerWhere your money goes each month.Savings goal calculatorHow long until you reach your deposit.Income tax calculatorTake-home pay for 2026–27.

Personal and car

Personal loan calculatorRepayments and the total cost of a personal loan.Car loan calculatorRepayments with or without a balloon.Credit card payoff calculatorHow long to clear a card balance.Balloon payment calculatorThe trade-off of a balloon payment.

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