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.

ATO debt & refinancing

Can I Refi? ATO debt calculator

Explore indicative cashflow when refinancing your existing home loan plus a separate property-secured split to repay the ATO.

Try Can I Refi? — ATO debt calculator

Results are not lender approval. Refinancing moves the ATO debt onto your property; a longer term can increase total interest. General information only, not credit or tax advice.

Rates and assumptions last reviewed 9 November 2026 · checked monthly

Loan amount

Interest rate (% p.a.)

Loan term (years)

Repayment frequency

Repayment type

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.

Loan amount

Interest rate (% p.a.)

Loan term (years)

Extra per month: $200

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.

Property price

Deposit / equity available

Estimated purchase costs (stamp duty, legals, searches)

Where you'd sit

Loan to value ratio

—

—Loan required

—Deposit left after costs

—Deposit for 80% LVR (no LMI)

—Shortfall to reach 80%

Target deposit

Saved so far

Saving each month

Interest on savings (% p.a.)

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.

State or territory

Purchase price

I am buying as

The property is

Rates and concessions verified 3 November 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.

Gross salary or wage (per year, before tax)

Financial year

Do you have a HECS-HELP debt?

Show my take-home

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.

Try Can I Refi? — ATO debt calculator → for indicative cashflow across your existing home loan and a separate property-secured ATO split. Not lender approval.

Amount owing to the ATO

ATO interest charge (% p.a.)

Pay it off within (months)

Compare with putting it into a loan

Loan rate (% p.a.)

Loan term (years)

The ATO's general interest charge is 11.51% p.a. for 1 Oct–31 Dec 2026. It moves each quarter, so change it above if yours differs.

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.