Tools & Calculators

Know Your Numbers
Before You Move

Free Australian finance calculators — estimate your borrowing power, repayments, refinance savings, stamp duty costs, and purchasing power in seconds.

Borrowing Capacity

Estimate how much you may be able to borrow based on your income, expenses, and financial commitments. Results are indicative only.

Estimated Borrowing Power

$0
Maximum loan amount (estimate)
Annual gross income
Monthly surplus (after expenses)
Estimated monthly repayment
Assessment rate used ~9.25% p.a.

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Loan Repayment

Calculate your estimated monthly, fortnightly, or weekly repayments for any loan amount and interest rate.

Your Estimated Repayment

$0
per month
Loan amount
Total interest payable
Total amount repaid
Annual repayment

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Refinance Savings

See how much you could save by refinancing from your current rate to a lower one. Includes break cost and fee estimates.

Your Estimated Savings

$0
Estimated total savings over remaining term
Monthly saving
Annual saving
Refinancing costs
Break-even point
Net savings (after costs)

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Stamp Duty Calculator

Estimate stamp duty (transfer duty) for all 8 Australian states and territories. Includes first home buyer concessions where applicable.

Stamp Duty Estimate

$0
Victoria — Standard Rate
Property value
Standard duty
FHB concession
Duty payable
Effective rate
Stamp duty thresholds are subject to change. Verify with your state revenue office before settling. Talk to us about your upfront costs.

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Purchasing Power

Work backwards — enter your available deposit and monthly repayment budget to find out what property price you can realistically afford.

Your Purchasing Power

$0
Estimated maximum property price
Loan amount
Deposit (LVR)
Monthly repayment
LMI likely?

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Important Disclaimer

These calculators are provided for general information and illustrative purposes only. Results are estimates based on the inputs you provide and simplified assumptions — they do not constitute financial advice, a loan offer, or a guarantee of any specific outcome.

Stamp duty rates, thresholds, and concessions are sourced from published state and territory revenue office data and are subject to change without notice. We recommend verifying current rates directly with the relevant state revenue office before making any financial decisions. Lender credit assessments involve many factors not captured by these tools, including your credit history, employment status, existing debts, and individual lender policies.

WARNING: Any comparison rates shown are true only for the examples given and may not include all fees and charges. Different terms, fees, or loan amounts may result in a different comparison rate.

Xcel Funding (Xcel Pty Ltd | ABN 45 685 718 914) — Credit Representative 568072, authorised under Australian Credit Licence 389087 held by Australian Finance Group Ltd (AFG). Xcel Funding is a credit representative, not a financial adviser. This calculator does not constitute a credit quote or pre-approval. For advice specific to your situation, contact us or book a free consultation.

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