Home loan calculators
Four calculators for Australian buyers: simulate mortgage repayments (with extra payments, a lump sum and an offset account), work out how long a deposit will take to save, estimate stamp duty in every state and territory, and compare whether buying or renting leaves you better off. Defaults start from the national mean dwelling price tracked on our house-prices dashboard.
Estimates only, not financial advice; excludes LMI, fees; verify duty with your state revenue office. Duty schedules baked from the 2025–26 general rates; thresholds in some states are indexed annually. The rent-vs-buy projection is highly assumption-sensitive — treat it as a scenario tool, not a forecast.