CGT Discount vs Indexation
See how a gain that straddles 1 July 2027 is taxed, and compare the discount and indexation bases — enacted law, Acts No. 49 and 50 of 2026.
Open widget →Mortgage Repayment
Estimate your monthly repayment and total interest — with a principal-vs-interest breakdown.
Open widget →LMI Estimate
See roughly what Lenders Mortgage Insurance would cost you at your deposit size.
Open widget →Stamp Duty by State
Estimate stamp duty by state, with first-home-buyer concessions built in.
Open widget →Super Concessional Cap Tracker
Check how much of your FY2026-27 concessional cap you've used — and what's left.
Open widget →Offset vs Shares
Pay down the mortgage faster, or invest the lump sum instead? Compare both.
Open widget →Beat the ASX
The annual growth your property needs to beat investing in the ASX instead.
Open widget →Buy vs Rent
Which builds more wealth: buying your home, or renting and investing the difference?
Open widget →5% Deposit Scheme Eligibility
Check if you could buy with just a 5% deposit and no LMI.
Open widget →These twenty-four are built and embeddable. The loan widgets share one amortisation engine reconciled against every other repayment calculation on the site; the savings widgets share a savings engine checked against it; the income widgets share one tax engine whose every rate is quoted from the legislation. They are not indexed yet — they join the list above at their go-live round.
Extra Repayment
What an extra monthly repayment saves you in interest, and how many years earlier the loan is gone.
Open widget →Lump Sum Repayment
What a bonus or inheritance takes off your loan — and how much the timing of it matters.
Open widget →How Long to Repay
Pick a monthly repayment and see when the loan is actually gone — or whether it never is.
Open widget →Fortnightly Repayment
“Go fortnightly and save years” is true of only one of the two things that phrase means. Compare both.
Open widget →Interest Only vs P&I
What deferring principal costs in extra interest — and how far the repayment jumps when the IO period ends.
Open widget →Home Loan Offset
What savings in an offset account take off your interest bill — and your loan term — as they grow.
Open widget →Split Loan
Fix part, float the rest: how much of a rate rise still reaches your repayment.
Open widget →Introductory Rate
The flat rate a honeymoon loan is really equivalent to, and how far repayments jump when it ends.
Open widget →Loan Comparison
Two loans, rates and fees, compared over the years you actually expect to keep the loan.
Open widget →Mortgage Switching
How many months a lower rate takes to pay back the discharge and application fees of switching.
Open widget →Savings
What regular deposits and interest grow to over time — and how much of it is interest.
Open widget →Savings Goal: How Long
Set a goal and a monthly amount, and see when you get there.
Open widget →Savings Goal: How Much
Set a goal and a date, and see what you need to put away each month.
Open widget →Compound Interest
What compounding does to a lump sum — and how little the compounding frequency actually matters.
Open widget →Credit Card Payoff
How long a card takes to clear at your repayment, against paying only the minimum.
Open widget →Comparison Rate
A loan’s interest and fees as one rate, calculated the way the credit regulations define it.
Open widget →Income Tax
2026-27 resident tax by bracket, with the Medicare levy and the low income tax offset.
Open widget →Income Gross-Up
Start from the take-home pay you want and find the gross income that produces it.
Open widget →Income Annualisation
Turn a year-to-date income into an annual figure using the actual days elapsed.
Open widget →Property Buying Costs
Duty, registration fees, LMI, foreign purchaser surcharges and the First Home Owner Grant, by state.
Open widget →Property Selling Costs
Agent commission with or without GST, marketing, conveyancing and the discharge fee.
Open widget →Lease & Asset Finance
Monthly repayments with a residual (balloon), paid in advance or in arrears, and the interest it costs.
Open widget →Reverse Mortgage
The loan compounding against your home’s value, when your equity would reach zero, and the no-negative-equity protection in the law.
Open widget →Borrowing Power
A home-loan estimate from your income, your own expenses and card limits, tested at APRA’s serviceability buffer, with every assumption sourced.
Open widget →