Financial Calculator & Tools
The price of a property is never the full cost of buying one. Stamp duty, conveyancing fees, lender application fees, building inspections, mortgage insurance, removalist costs and government registration charges can add anywhere from 3% to 7% on top of the purchase price, depending on the state you’re buying in, whether you qualify for first home buyer exemptions, and the terms of your loan. Without mapping out the full cost picture before you set a budget, it’s easy to arrive at settlement with unexpected shortfalls.
This page brings together the calculators and financial guides that Australian buyers and sellers use most frequently to stress-test their position before committing. The tools here are drawn from trusted sources, including ASIC’s MoneySmart platform, which is operated by Australia’s financial services regulator, and VisionAbacus, which powers financial calculators used by financial planners and lenders. They’re free, designed for Australian conditions, and cover the full lifecycle of a property transaction from initial affordability assessment through to refinancing and investment decisions.
Understanding how much you can borrow is the natural starting point for most buyers, but borrowing capacity alone doesn’t determine what you should spend. Your maximum borrowing capacity is what a lender will approve based on your income, expenses and existing commitments. But a comfortable repayment is what you can sustain without financial stress if interest rates rise, your income changes, or unexpected expenses emerge.
Use this page alongside our Property Data & Pricing Tools page to ground your affordability calculations in real market data.
IMPORTANT: This is a directory of external property research tools. We do not provide, control, or verify these third-party resources. Information is for general guidance only and does not replace professional advice. Read our Terms of Use and Disclaimer.
Calculators
'Property Buying Cost Calculator'
Provider: VisionAbacus
Description: A Property Buying Cost Calculator is designed to estimate the upfront costs associated with purchasing a property, including stamp duty, conveyancing and legal fees, lender fees, and other transaction expenses. Outputs are indicative estimates only and should be verified against actual professional quotes and the applicable state or territory revenue authority before being relied upon for budgeting or financial planning.
Key Features
- Stamp duty estimate with state or territory selection
- Conveyancing and legal fee inputs
- Lender establishment and application fee inputs
- Building inspection, moving, and other transaction cost inputs
Best For: Buyers estimating the total upfront cash required at settlement as part of purchase budget planning.
Cost: Free
'Property Selling Cost Calculator'
Provider: VisionAbacus
Description: A Property Selling Cost Calculator is designed to estimate the costs associated with selling a property, including agent commissions, legal fees, and other transaction expenses to produce an indicative net sale proceeds figure. Outputs are indicative estimates only and are not a substitute for professional agent quotes, tax advice, or legal advice relevant to a specific sale.
Key Features
- Agent commission inputs
- Conveyancing and legal fee inputs
- Marketing, mortgage discharge, and moving cost inputs
- Indicative net proceeds calculation
Best For: Owners estimating indicative net proceeds from a property sale as part of financial planning, particularly when assessing a concurrent sale and purchase.
Cost: Free
'Borrowing Capacity & Repayments Calculator'
Provider: MoneySmart — Australian Securities and Investments Commission (ASIC)
Description: This ASIC MoneySmart calculator provides indicative estimates of potential borrowing limits and loan repayments based on user-inputted income, expenses, and loan assumptions. Outputs are not lender assessments or credit approvals and will differ from the results of an actual lender credit evaluation. Formal pre-approval from a licensed lender or mortgage broker should be obtained before making property offers.
Key Features
- Indicative borrowing capacity estimate based on income and expenses
- Monthly repayment estimate for a specified loan amount and rate
- Ability to model repayments at different interest rate scenarios
- “How to repay sooner” extra repayment modelling feature
- Official ASIC MoneySmart source
Best For: Buyers modelling indicative borrowing capacity and repayment affordability across different interest rate scenarios as part of early-stage financial planning.
Cost: Free
'Mortgage Switching Calculator - Refinancing Cost-Benefit Estimator'
Provider: MoneySmart — Australian Securities and Investments Commission (ASIC)
Description: This ASIC MoneySmart calculator is designed to help borrowers compare the estimated cost of an existing home loan against a potential refinancing option. Outputs are indicative only. Actual switching costs, including discharge fees, break fees on fixed-rate loans, and new loan establishment fees, should be confirmed with the relevant lenders before making refinancing decisions.
Key Features
- Current versus proposed loan cost comparison
- Net saving estimate after switching costs
- “Switch and maintain repayments” scenario modelling
- Official ASIC MoneySmart source
Best For: Existing borrowers modelling the indicative net benefit of refinancing to a different home loan product.
Cost: Free
'Extra Repayments Calculator'
Provider: VisionAbacus
Description: An Extra Repayments Calculator is designed to model how additional repayments above the scheduled minimum may affect total interest paid and the remaining term of a home loan. Outputs are indicative only. Actual outcomes will depend on the specific loan product, redraw arrangements, and the lender’s terms and conditions.
Key Features
- Indicative total interest saving from additional repayments
- Reduction in remaining loan term shown in years and months
- Graphical loan balance reduction chart
- One-off and regular extra repayment modelling
Best For: Borrowers modelling the indicative interest saving and loan term reduction from making additional home loan repayments.
Cost: Free
'How long to Repay Calculator'
Provider: VisionAbacus
Description: A ‘How Long to Repay’ calculator is designed to estimate the time remaining to repay a home loan and the total interest payable over that period, under different repayment scenarios. Outputs are indicative only and assume a constant interest rate and fixed loan structure. Actual repayment timelines will depend on loan terms, interest rate changes, and any additional payments made.
Key Features
- Remaining loan term estimate based on current balance, rate, and repayments
- Total interest payable over the remaining term
- Graphical loan balance reduction chart
Best For: Borrowers estimating the remaining term and total interest payable on their current home loan under different repayment levels.
Cost: Free
'Stamp Duty Calculator'
Provider: VisionAbacus
Description: A Stamp Duty Calculator is designed to estimate the transfer duty payable on a property purchase based on the purchase price and the relevant state or territory. Stamp duty rates, thresholds, and concession eligibility are set by each Australian state and territory and are subject to change. Where first home buyer concessions, exemptions, or special buyer categories apply, outputs may differ materially from actual duty payable. Duty payable should be confirmed with the relevant state or territory revenue authority or a licensed conveyancer.
Key Features
- Transfer duty estimate with state or territory selection
- Buyer category selection including first home buyer
- Applicable first home buyer concession and exemption thresholds reflected where available
Best For: Buyers estimating stamp duty payable as part of upfront purchase cost budgeting, across different states and territories and buyer categories.
Cost: Free
'Comparison Rate Calculator'
Provider: VisionAbacus
Description: A Comparison Rate Calculator is designed to illustrate the estimated overall cost of a home loan by combining the interest rate with certain standard fees and charges over a standardised loan scenario. Comparison rates are calculated on a standardised loan amount and term and may not accurately reflect the cost of loans of different sizes or durations. Individual loan features, offset terms, redraw conditions, and fee structures should be reviewed directly with the lender or a licensed mortgage broker.
Key Features
- Comparison rate calculation incorporating interest rate and standard fees
- Graphical comparison rate output
- Supports loan product comparison across lenders
Best For: Buyers comparing the indicative overall cost of home loan products across lenders as part of early-stage loan assessment.
Cost: Free
'Renovation Feasibility Calculator - Property Renovation Cost & Return Estimator'
Provider: SuburbsFinder
Description: The SuburbsFinder Renovation Feasibility Tool is a calculator designed to allow users to assess potential renovation outcomes, including estimated profit or added value from a renovation. It is intended as a planning and comparison aid for buyers and investors considering properties that may be improved through renovation. As stated on the tool’s page, outputs are a guide only and should not be relied upon when making investment decisions. Professional advice appropriate to individual circumstances should be obtained before acting on any outputs.
Key Features
- Designed to estimate indicative renovation profit or capital value gain
- Accessible without an account login
Best For: Buyers and investors comparing shortlisted properties on their indicative renovation feasibility as part of early-stage financial planning, to be followed by professional advice.
Cost: Free
'Residential Building Construction Cost Calculator'
Provider: SuburbsFinder
Description: The SuburbsFinder Residential Building Cost Calculator is designed to provide a guideline cost estimate for residential construction in Australia, based on user-inputted variables including dwelling size, location, land slope, and construction quality level. The calculator produces a low-to-high cost range across nine quality levels. As stated on the tool’s page, outputs are a basic guideline only. The estimate excludes excavation and demolition, pool and spa installations, driveways, paths, outdoor living areas, patios, balconies, carports, and decks. Results should not be used as a formal construction cost estimate and professional costing from a licensed builder is required before committing to any construction project.
Key Features
- Five-step input structure covering dwelling size, location, land slope, fixture quality, and builder’s margin
- Low-to-high cost range output based on nine construction quality levels
- Cost per square metre and total cost estimates produced
- Accessible without an account login
- Stated inclusions cover: builder’s surveyor, scaffolding, permits and council fees, site clearing, contract costs, and legal and insurance expenses
- Stated exclusions include: excavation and demolition, pool and spa, driveways, paths, outdoor living areas, and internal soft furnishings
Best For: Buyers and investors seeking a preliminary indicative cost range for residential construction as part of early-stage build or development feasibility planning, before obtaining formal quotes from a licensed builder.
Cost: Free
Guides
'Buying a House'
Provider: MoneySmart — Australian Securities and Investments Commission (ASIC)
Description: MoneySmart’s “Buying a house” guide is an Australian Government consumer information resource published by ASIC. It covers the home buying process including budgeting, saving for a deposit, home loans, government grants and concessions, the conveyancing process, and ongoing ownership costs. It is produced for general consumer education purposes and does not constitute financial, legal, or professional advice.
Key Features
- Step-by-step overview of the Australian home buying process
- Information on deposits, borrowing, and government schemes
- Guidance on conveyancing, building inspections, and settlement
- Official ASIC MoneySmart source
Best For: First home buyers and those unfamiliar with the Australian home buying process seeking a structured, government-authored overview.
Cost: Free
'Buying an Investment Property'
Provider: MoneySmart — Australian Securities and Investments Commission (ASIC)
Description: MoneySmart’s “Buying an investment property” guide is an Australian Government consumer information resource published by ASIC. It covers financial and risk considerations involved in residential property investment including borrowing, cash flow, tax implications, and investment risk. It is produced for general consumer education purposes and does not constitute financial, legal, or professional advice.
Key Features
- Overview of how residential property investment works in Australia
- Rental income, cash flow, and expense considerations
- Tax implications including negative gearing basics
- Risk factors: vacancy, interest rate exposure, and maintenance costs
- Official ASIC MoneySmart source — no commercial bias
Best For: Prospective property investors seeking a government-authored overview of how residential investment property works in Australia before making financial commitments.
Cost: Free
'Using a Mortgage Broker'
Provider: MoneySmart — Australian Securities and Investments Commission (ASIC)
Description: MoneySmart’s mortgage broker guidance is an Australian Government consumer information resource published by ASIC. It explains what mortgage brokers do, how they are remunerated through lender-paid commissions, the best interests duty obligation that applies to brokers under Australian law, and how to resolve disputes through the Australian Financial Complaints Authority (AFCA). It is produced for general consumer education purposes and does not constitute financial, legal, or professional advice.
Key Features
- Explanation of what mortgage brokers do and how they are paid
- Overview of the best interests duty obligation under Australian law
- Guidance on selecting and working with a broker
- Information on dispute resolution through AFCA
- Official ASIC MoneySmart source
Best For: Buyers planning to use a mortgage broker who want to understand how brokers operate, how they are paid, and what protections apply under Australian law.
Cost: Free
'Choosing a Home Loan'
Provider: MoneySmart — Australian Securities and Investments Commission (ASIC)
Description: MoneySmart’s “Choosing a home loan” guidance is an Australian Government consumer information resource published by ASIC. It covers core home loan features including fixed and variable interest rate structures, principal and interest versus interest-only repayments, offset accounts, redraw facilities, and loan comparison considerations. It is produced for general consumer education purposes and does not constitute financial, legal, or professional advice.
Key Features
- Explanation of fixed, variable, and split interest rate structures
- Principal and interest versus interest-only repayment types
- Overview of offset accounts, redraw facilities, and loan portability
- Home loan comparison framework using the comparison rate
- Official ASIC MoneySmart source
Best For: Buyers approaching the loan selection stage who want a government-authored explanation of home loan types, features, and comparison methods before evaluating specific lender offers.
Cost: Free