💵 Finance & Money calculators
Loans, pay and the weekly budget. What a debt really costs over its life, what a pay packet comes to after tax, what saving a little regularly adds up to, and where the money actually goes.
Home Loan Calculator
Work out your repayments, total interest and how extra payments can shorten your loan.
Open calculator →Offset Account Calculator
See how much interest and time an offset account could save on your home loan.
Open calculator →Personal Loan Calculator
Check your repayments and see exactly how much interest you'll pay over the loan term.
Open calculator →Australian Pay Calculator
Find your take-home pay after income tax, Medicare levy, HELP/HECS and see your super.
Open calculator →Compound Savings Calculator
See how your savings grow with compound interest, regular deposits and different compounding frequencies.
Open calculator →Budget
Track your income and expenses at any frequency, see what's left over each week, fortnight or month, and where your money goes.
Open budget →What the money comes to
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What does a shorter loan term save?
The same $500,000 at 6%: over 30 years it is $2,998 a month and $579,191 of interest. Over 20 years it is $3,582 a month and $359,717 — $219,474 less interest for $584 more a month.
Work it out: Home loan → -
What is a bigger offset worth?
$50,000 in the offset from the start on a $500,000 loan at 6%: the interest over the term falls from $579,191 to $384,585, a saving of $194,606.
Work it out: Offset account → -
What does a $20,000 loan cost?
Borrow $20,000 over five years at 9.5% and the repayment is $420 a month; the interest comes to $5,202, which is 26% on top of what you borrowed.
Work it out: Personal loan → -
What does a $10,000 raise actually add?
On $150,000 a year the next dollar is taxed at 37% plus the 2% Medicare levy, so a $10,000 raise keeps $6,100 of it, taking take-home pay from $110,430 to $116,530 a year.
Work it out: Australian pay → -
When does compound interest get going?
$200 a month at 7% for 40 years comes to $524,963, of which $428,963 is interest — and $256,968 of that interest, more than half, arrives in the last ten years alone.
Work it out: Compound savings →
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