AU Loan Calculator: Mortgage

The most comprehensive Australian property loan calculator. Plan your home purchase with confidence using professional-grade financial tools - completely free, no account required. CALCULATE YOUR HOME LOAN REPAYMENTS Enter your property price, deposit, interest rate, and loan term to instantly see your monthly repayments. Our core amortisation engine calculates Principal & Interest (P&I) payments with precision, showing exactly how much you'll pay over the life of your loan. STAMP DUTY & LMI CALCULATOR Get accurate estimates for your upfront costs: - Stamp Duty calculations for NSW and Victoria - First Home Buyer exemptions and concessions - Lenders Mortgage Insurance (LMI) estimates when your deposit is below 20% - Total upfront costs breakdown COMPARE PAYMENT FREQUENCIES See how much you could save by switching payment schedules: - Monthly, Fortnightly, or Weekly options - Calculate exact interest savings - See how many years you could cut from your loan - Daily interest calculations for precision VISUALISE YOUR LOAN Understand where your money goes with our amortisation chart: - See Principal vs Interest breakdown over time - Watch how the ratio shifts as your loan matures - Track your equity growth year by year LUMP SUM PAYMENT PLANNER Model the impact of extra payments: - Add one-time lump sum payments at any point - See your new loan end date instantly - Calculate total interest saved - Plan inheritance, bonus, or tax return contributions 100% OFFSET ACCOUNT SIMULATION Australia's most powerful offset calculator: - Daily interest calculations on your net balance - Set initial offset balance and monthly contributions - Compare standard loan vs offset loan outcomes - See exactly how much interest you'll save INTEREST-ONLY PERIOD MODELLING Plan for flexible repayment structures: - Set 1-10 year interest-only periods - See your lower I/O repayments - Understand your higher P&I payments afterward - Perfect for investors and cash flow planning WHY CHOOSE AU LOAN CALCULATOR? - 100% Free: No subscriptions, no paywalls, no ads - No Account Required: Start calculating immediately - Privacy First: All calculations happen on your device - Works Offline: No internet connection needed - Australian Focused: Built specifically for AU property market - Accurate Formulas: Bank-grade amortisation calculations - Dark Mode: Easy on your eyes, day or night PERFECT FOR: - First Home Buyers exploring the market - Property investors analysing deals - Homeowners considering refinancing - Anyone comparing loan scenarios Built by Australians, for Australians. Whether you're buying your first home in Sydney, investing in Melbourne, or refinancing in Brisbane - AU Loan Calculator gives you the tools to make informed decisions. Download now and take control of your property finance journey. Questions or feedback? We'd love to hear from you.