Mortgage & Loan Calculator AU vs PointMate

Mortgage and loan calculator for Australia. Estimate home loan repayments, borrowing power, stamp duty and LMI, then compare car loan, novated lease and personal loan costs. 38 calculators in one app: free, no ads, no sign-up and no in-app purchases. HOME LOAN & MORTGAGE • Mortgage repayment calculator: weekly, fortnightly or monthly • Borrowing power: estimate how much you might be able to borrow • Extra repayments: estimate interest and time you could save • Offset account: see how savings could reduce interest • Refinance: compare your current loan with another rate • Comparison rate: estimate the cost of a loan including fees • Bridging loan: plan the gap between buying and selling • Rate tracker: follow recent home loan rate changes (needs internet) BUYING PROPERTY • Stamp duty calculator for all states and territories, including first home buyer concessions • LMI estimate for deposits under 20% • Upfront costs: duty, LMI and other costs in one estimate • Rent vs buy: compare the long-term costs • Investment property: estimate yield and cash flow CAR & PERSONAL LOANS • Car loan repayment calculator • Novated lease calculator, including EVs • Personal loan repayments • Credit card payoff: estimate how long until it's cleared TAX & INCOME • Income tax calculator for Australian tax rates • HECS-HELP repayment estimate BUSINESS • Invoice factoring: estimate fees and the cash you receive EVERYDAY TOOLS • Scientific calculator • Chinese calendar with lunar dates WHY CALCULATOR+ • Free: no ads, no sign-up, no in-app purchases • Most calculators work offline • Shows on your home screen as Calculator+ NEED LOAN HELP? Mortgage, bridging, car loan, novated lease and personal loan calculators link to jokuda.com for loan help, if you'd like to talk to a broker. All results are estimates for general information only. They are not financial advice or a loan offer. Check your situation with a qualified professional before you decide.

The all-in-one app for Australian loyalty points. PointMate is an independent calculator and comparison tool covering 17 Australian loyalty programs and 66+ personal rewards credit cards — including Qantas Frequent Flyer, Velocity Frequent Flyer, KrisFlyer, Amex Membership Rewards, Flybuys, Everyday Rewards, Myer One, David Jones, and rewards programs from every major Australian bank. No affiliate commissions. No issuer partnerships. Just the numbers. PAY Compare your rewards cards on any purchase. PointMate factors in earn rates, surcharges, and the estimated dollar value of points earned to rank cards by estimated net benefit. Add your cards, set merchant surcharge rates, enter an amount, and see ranked results. FLIGHT A Qantas economy flight to Bali might calculate at 1.6 cents per point. The same points on a flight to Japan? Maybe 3.5 cents. Flight calculates the cents-per-point on any Qantas, Velocity or KrisFlyer booking and shows how it compares to PointMate's benchmark range. CARDS With dozens of rewards cards on the market, it's hard to know which ones deliver the highest calculated return. Cards lets you browse, compare, and filter major personal Australian rewards credit cards — from points value based on your typical redemption, to bonus reachability on your monthly spend, to cancel-by dates. VALUE 10,000 Qantas points redeemed as a gift card: about $45. Redeemed on an international economy class flight: up to $440. Value shows the estimated range for any balance across programs, broken down by how you'd actually use them. PORTFOLIO See your total estimated points value across your programs in one place. GOALS Enter your monthly card spend and earn rate to see how many months until you earn enough points for any route and cabin class on both Qantas and Velocity. SAVINGS Log results from Pay and Flight calculations, plus transfer bonus gains. Track your total logged savings over time with milestone progress. BONUSES Check active transfer bonuses between programs, including percentage uplift and days remaining. ALERTS Stay across program changes, devaluations, and upcoming events. Check points expiry rules per program. FREE VS PREMIUM Free: Access all features with capacity limits — Pay (2 cards), Flight (general benchmark range), Value (average rate), Cards (browse and filter), Portfolio (3 programs), Savings (5 logs per month). All data saved between sessions. Ads displayed. Premium ($4.99/month or $39.99/year): Unlimited cards, full redemption breakdowns, side-by-side comparison of up to 3 cards, custom card entry, PM Wallet (renewal and cancel-by date tracking), unlimited Portfolio and Savings, no ads. Eligible new subscribers can start with a 1-month free trial — full Premium access, no ads. INDEPENDENT AND TRANSPARENT PointMate is built and maintained in Melbourne, Australia. It does not receive commissions, referral fees, or any payment from credit card issuers, banks, or loyalty programs. Outputs are estimates based on publicly available information and current assumptions. PointMate is a calculator and comparison tool for general information only. It does not provide financial advice, credit advice, or product recommendations. Estimated values may differ from actual outcomes. Check current issuer and program terms before acting. Your points deserve a better mate.