Every calculator in one place
36 free calculators, planners and guides. They work in your browser with your own numbers: nothing is sent or saved.
Personal
Repayment calculator
Repayments, total interest, extra repayments and a year-by-year table.
OpenWhat repayment fits my budget?
Work out the monthly repayment your budget leaves room for, and the loan size it would cover at your rate and term.
OpenCar loan calculator
Estimate car loan repayments with a trade-in or deposit, fees and an optional balloon payment.
OpenDebt consolidation check
Compare paying your current debts as they are with one consolidation loan: total monthly repayment, total interest and fees, and time to be debt-free..
OpenDebt-to-income snapshot
Work out your debt-to-income ratio and repayments as a share of your gross income, with and without a new loan.
OpenEarly payout estimator
Estimate the balance owing, the payout figure with any break fee, and the interest saved by paying a loan off early.
OpenExtra repayment planner
Work out the months and interest saved on a loan by adding extra monthly repayments, rounding up, or paying lump sums.
OpenRefinance check
Compare your current loan with a refinance quote: monthly repayments, total remaining cost including fees, and months for switching costs to pay back..
Open
Business
Invoice finance estimator
Cash now, cash later and the cost, from your own quote.
OpenBuy outright or finance?
Paying cash for equipment compared with financing it.
OpenBalloon or no balloon?
Compare a loan with and without a balloon payment: monthly repayment, balloon owed, total paid and interest.
OpenBreak-even calculator
Check if a financed business purchase pays for itself: repayment, monthly net benefit and how long to earn back the deposit.
OpenVehicle cost per km
Work out the running cost per kilometre of a car, ute, van or truck: fuel, tyres, servicing, insurance, registration, finance and depreciation.
OpenFleet finance calculator
Estimate repayments for a fleet of vehicles or machines on one rate and term, with an optional balloon.
OpenInvoice ageing helper
Group up to six unpaid invoices into 0-30, 31-60, 61-90 and over 90 day buckets and see the share over 60 days.
OpenLease or buy equipment?
Compare paying cash, a loan or chattel mortgage and a lease for equipment: upfront cost, monthly cost and total paid.
OpenLine of credit estimator
Estimate a year of interest and fees on a business line of credit from your planned draws and repayments.
OpenOverdraft or term loan?
Compare the cost of a business overdraft and a term loan for a short cash gap, using the rates and fees from your own quotes.
OpenPayroll gap calculator
Work out how much cash you need to keep paying wages while you wait for customers to pay their invoices, and the gap left after your cash on hand.
OpenSolar payback calculator
Estimate the payback time on solar panels, batteries or an energy upgrade from your quote, any rebate and your power bill.
OpenGST and sales tax set-aside
Estimate the GST, VAT or sales tax inside your monthly sales, less the tax on your purchases, and the total to have ready by the due date..
Open
Farm & rural
Cash-flow planner
12 months of money in and out, with the short months marked.
OpenCrop input planner
Plan crop input costs, finance to harvest, expected income, margin and break-even price per tonne.
OpenLivestock purchase planner
Plan a livestock purchase: total cost, finance interest for the holding period, expected sale proceeds and margin per head.
OpenKeep or replace a machine
Compare the yearly cost of keeping an older machine (repairs, downtime, running) with financing a new one after trade-in.
OpenSeasonal repayment schedule
See how a farm loan repayment could be split between harvest months and the off-season, keeping the yearly total the same.
Open
Property
Fixed vs variable: what if?
Compare repayments and total interest on a fixed then variable loan against a variable loan, using your own rate guesses.
OpenInterest-only vs principal and interest
Compare an interest-only period followed by principal and interest repayments with principal and interest for the whole term: repayments and total interest..
OpenProperty purchase cost estimator
Estimate the total cash needed to buy a property, the loan amount, deposit percentage and loan-to-value ratio.
OpenRepayment stress test
Test your loan repayment against rate rises of 1, 2 and 3 percentage points and compare it with your monthly budget.
Open
Planning
Finance Finder
Five quick questions to find the finance that fits.
OpenCompare two loan quotes
Which quote costs less over the whole loan, fees included.
OpenBefore you borrow
A tick-off checklist of questions to ask before you sign.
OpenFinance glossary
Finance words in plain English, with links to the tools.
OpenEstimate currency converter
Convert a finance estimate between AUD, USD, CAD, NZD, FJD and PHP using an exchange rate you enter.
OpenSavings goal planner
Plan a deposit or savings goal: enter the goal, what you have saved and the months left to see the monthly saving needed.
Open
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