Mortgage calculators & tools
Free, instant and built for Australian borrowers. Use any tool below to plan your next move, then book a free 15-minute chat with a broker to take action.
Home Loan Repayment Calculator
Estimate your principal & interest repayments and total interest over the life of your loan.
Open calculatorBorrowing Power Calculator
See how much you could borrow based on your income, expenses and existing commitments.
Open calculatorRefinance Savings Calculator
Compare your current loan to a new rate and see how much you could save by refinancing.
Open calculatorStamp Duty Calculator
Calculate transfer (stamp) duty for every Australian state and territory.
Open calculatorLMI Calculator
Estimate Lenders Mortgage Insurance based on your deposit and property value.
Open calculatorOffset Account Calculator
Discover how an offset account can reduce your interest and shave years off your loan.
Open calculatorRent vs Buy Calculator
Weigh up the long-term cost of renting against buying your own home.
Open calculatorProperty Purchase Cost Calculator
Add up your full upfront cost of buying — deposit, stamp duty, LMI and fees.
Open calculatorIncome Annualisation Calculator (YTD)
Annualise your year-to-date (YTD) gross pay into a full-year income figure the way mortgage lenders do.
Open calculatorOffset vs High Interest Savings Calculator
Find the savings rate you'd need to beat an offset account once tax is taken out — usually far higher than you'd expect.
Open calculatorLVR Calculator
Work out your loan-to-value ratio, deposit percentage and whether Lenders Mortgage Insurance applies.
Open calculatorExtra Repayments Calculator
See how much interest you save and how many years you cut off your loan by paying a little extra.
Open calculatorHome Equity Calculator
Find out how much equity you've built and how much a lender will actually let you access.
Open calculatorInvestment Property Cash Flow Calculator
Calculate weekly cash flow on an investment property before and after tax, including negative gearing.
Open calculatorBrowse by topic
Every XLOANS guide, calculator and directory, grouped by what you're trying to do.
Borrowing power
How lenders assess income, debts and living expenses to set your maximum loan.
Guides
Calculators
Directories
Open the borrowing power hubFirst home buyers
Deposits, LMI, grants and the state-by-state schemes that get you in sooner.
Guides
Calculators
Directories
Open the first home buyers hubRefinancing
When to switch, what it costs, and how much a lower rate is actually worth.
Guides
Calculators
Directories
Open the refinancing hubHome loans & repayments
Loan structure, offset and redraw, rates and paying your mortgage off sooner.
Guides
Calculators
- Home Loan Repayment Calculator
- Offset Account Calculator
- Offset vs High Interest Savings Calculator
- Extra Repayments Calculator
Directories
Open the home loans & repayments hubInvestment property
Cashflow, equity releases and the policy differences on investor lending.
Guides
Calculators
Directories
Open the investment property hubLike what the numbers show?
Book a free, no-obligation 15-minute chat with an XLOANS broker. We'll help you take the next step.