Sunshine Coast · helping clients Australia-wide1300 100 262
Follow along
Calculators

Work out where you stand.

Seven tools that do the maths honestly. They're a guide, not an approval — what a lender will actually do depends on your full position, which is exactly what a chat with me is for.

Rates and assumptions last reviewed  1 September 2026  · checked monthly
Your repayment
Fortnightly
Total interest over the term
Total cost of the loan
Monthly equivalent
First year interest
Assumes the rate stays the same for the full term, which it won't. Fees, offsets and rate changes all move these numbers.
What extra repayments do
Time saved
Interest saved
New payoff time
Base monthly repayment
New monthly repayment
Assumes the extra amount is paid every month from day one and the rate holds. Check your loan allows extra repayments without penalty — most variable loans do, many fixed loans cap them.
Where you'd sit
Loan to value ratio
Loan required
Deposit left after costs
Deposit for 80% LVR (no LMI)
Shortfall to reach 80%
Your deposit timeline
Time to target
Progress so far
Still to save
Interest earned along the way
Target reached
Interest is compounded monthly on the balance. Government schemes and guarantor options can cut the deposit you need — worth a conversation before you keep saving for another two years.
Rates and concessions verified  8 September 2026 · checked monthly
Queensland
Estimated stamp duty
Duty without any concession
Concession saves you
As a share of the price
Price plus stamp duty
Transfer duty only — registration and mortgage fees, foreign buyer surcharges and vacant-land rules aren't included. Eligibility rules (residency, prior ownership, living in the home) apply to every concession. Treat this as a guide and check the final figure with your conveyancer or with me.
Fortnightly take-home
Take-home per year
Income tax
Medicare levy
HECS-HELP repayment
Total tax and levies
Effective tax rate
Australian resident rates including the low income tax offset and the 2% Medicare levy. It assumes salary or wages only, no salary packaging, no private health cover surcharge and no other deductions or offsets. Overtime, shift loading and second jobs change the picture — and lenders assess those differently again. General information only, not tax advice: your accountant or the ATO has the final word.
The ATO's general interest charge moves each quarter — check the current rate and change it above.
Paying the ATO directly
Monthly payment to the ATO
Interest charged by the ATO
Total you'd repay
Monthly if it sat in a loan instead
Monthly difference to your cashflow
Interest over the same months, in a loan
Interest saved over those months
The ATO's interest charge compounds daily and its payment plans usually want the balance cleared inside about twelve months, which is what makes the monthly figure hurt. Refinancing spreads it over a loan term at a much lower rate — but it does move the debt onto your property and stretch it over longer, so the lifetime interest can be higher. That trade-off is the conversation. Deductibility of ATO interest is a question for your accountant. General information only.