Tools that show their working.
Six calculators built the way a lender reads the numbers. Every one shows its method and its assumptions, none of them quotes a rate (you enter yours), and none of them asks for your details. When the number raises a question, one door leads to a review.
No rates are quoted on this site. Where a rate is needed, you enter the one you have been offered. Nothing here is recorded or sent to us.
Pick the question.
Each tool answers one question and shows exactly how. Where a rate is needed you enter yours.
Plan your home loan
How much could I borrow?
A lender does not start from the price of the house.
Open
What will the repayments be?
Principal and interest, interest-only for a period, weekly or monthly, with or without extra repayments.
Open
Is switching worth it?
A lower rate is not automatically a saving.
OpenPlan the next step
What will the government charge?
Transfer duty is the largest cost of buying after the price itself and it differs by state, by purpose and by whether it is your first home.
Open
What happens when my fixed rate ends?
When a fixed term ends the loan reverts to the lender's variable rate, and the repayment moves on the day.
Open
Does the project stack up?
Before a lender, a valuer or a quantity surveyor looks at a project, a developer needs a first answer to one question: what margin is left after every cost, including the cost of the money.
OpenThree rules, every tool.
The method is on the page.
Under every result is the order of operations a lender would use, and a list of what the tool leaves out. If a lender's figure differs from ours, the reason is usually in that list.
You enter the rate.
A rate without its comparison rate, conditions and structure tells you very little, and rates change faster than a website does. So we do not publish one. Any rate we show you is yours, in writing, with everything attached.
Nothing is collected.
The calculators run in your browser. No figure you enter is recorded or sent to us. When a result raises a question, the one door on every page is a finance review, which starts without a credit check.
Where the figures come from.
Transfer duty schedules and land titles fees are taken from each revenue office and titles registry for 2026-27 and were verified on 7 September 2026. Income tax uses the 2026-27 resident scale published by the Australian Taxation Office. Effective dates and source links sit beside every stamp duty result.
- State Revenue Office Victoria, Revenue NSW, Queensland Revenue Office, RevenueWA, RevenueSA, State Revenue Office Tasmania, ACT Revenue Office, Territory Revenue Office
- Land Use Victoria, NSW Land Registry Services, Titles Queensland, Landgate, Land Services SA, Land Tasmania, Access Canberra, NT Land Titles Office
- Australian Taxation Office, tax rates for Australian residents 2026-27; APRA serviceability buffer guidance
When the number raises a question, ask it.
A finance review starts with a conversation and a written position from Dayan Kasturiratna, who provides the credit assistance on every file. No credit check to start.
Calculators on this site provide estimates for general information only, from the figures you enter and the assumptions shown. They do not take account of your objectives, financial situation or needs, are not credit assistance, an offer or an approval, and should not be relied on without checking with your lender, conveyancer or adviser. Opulent Finance does not provide tax, legal or accounting advice.
