CALCULATORS

The numbers, made easy

Plain-English calculators for the most common Australian money questions. None of these are advice. All of them are guidance.

MORTGAGE REPAYMENT

Loan amount ($)The amount you'll borrow.

Interest rate (% per year)Your actual rate, not the headline.

Loan term (years)Usually 25 or 30 years.

Repayment frequencyFortnightly saves substantial interest over time.

RATE CHANGE IMPACT

Current loan balance ($)

Current rate (% per year)

New rate (% per year)

Years remaining

GST QUICK CHECK

Amount ($)

This amount is...

BAS NET POSITION — QUICK ESTIMATE

Total sales for the period ($)Includes GST. From your accounting records.

Total purchases for the period ($)Includes GST. Excludes wages and super.

PAYG withheld from employee wages ($)If you don't have employees, leave at 0.

PAYG instalment (your own tax) ($)From the ATO's BAS instalment notice.

HARDSHIP — WHAT CAN I AFFORD?

Fortnightly income ($)All income — wages, Centrelink, partner contribution.

Rent/mortgage fortnightly ($)

Essential bills fortnightly ($)Power, water, phone, internet, insurance.

Food fortnightly ($)

Transport fortnightly ($)Fuel, public transport, vehicle costs.

Medicine/health fortnightly ($)

SAVINGS GOAL

Goal amount ($)

Currently saved ($)

How much can you save per fortnight ($)

Interest rate on savings (% per year)Bonus saver account, term deposit.

These calculators give estimates only. They don't replace personal financial advice. For complex decisions, talk to a registered financial adviser, accountant, or free financial counsellor. The National Debt Helpline (1800 007 007) is free for anyone struggling financially.

ALSO USEFUL — ASIC MONEYSMART (INDEPENDENT, GOVERNMENT)

Mortgage calculator — repayments, total interest, extra repayments
Budget planner — full household budget
Retirement planner
Superannuation calculator
Debt consolidation calculator
Savings goals calculator
Income tax calculator

The numbers, made easy

MORTGAGE REPAYMENT

RATE CHANGE IMPACT

GST QUICK CHECK

BAS NET POSITION

HARDSHIP CHECK

SAVINGS GOAL

MORTGAGE REPAYMENT

RATE CHANGE IMPACT

GST QUICK CHECK

BAS NET POSITION — QUICK ESTIMATE

HARDSHIP — WHAT CAN I AFFORD?

SAVINGS GOAL

ALSO USEFUL — ASIC MONEYSMART (INDEPENDENT, GOVERNMENT)