Home loan calculators
Free calculators to work out what you could borrow, the stamp duty you'll pay and what you could save by refinancing. Updated for 2026–27 rates.
Borrowing power calculator
Estimate how much you could borrow, tested the way lenders do it.
Open the calculator →Stamp duty calculator
Stamp duty for South Australia and every other state, at October 2026 rates.
Open the calculator →Refinance calculator
See what a lower rate would save you each month and over the life of your loan.
Open the calculator →Repayment calculator
A quick estimate of your monthly repayments for any loan amount, rate and term.
Open the calculator →
Need more than a number?
Why borrowing capacity is lower
The buffer, rate rises and expense benchmarks explained.
Read the article →First home buyer guide
The First Home Guarantee, $15,000 grant and stamp duty relief in SA.
Read the guide →Want a lender-accurate figure?
Calculators give you a starting point. A free chat gets you a real answer, checked against 40+ lenders.
General information only. Not financial advice. It doesn't take into account your objectives, financial situation or needs. Speak to a licensed broker about your situation.
Calculator results are estimates based on the details you enter and general assumptions. They are not a quote, a pre-approval or an offer of credit.
Lending criteria, fees and charges apply, and all loans are subject to lender approval.
Monza Finance Pty Ltd, ABN 21 617 504 186. Michael Barton (CRN 497244) and Joe Sorrenti (CRN 579074) are Authorised Credit Representatives of LMG Broker Services Pty Ltd, Australian Credit Licence 517192.