Practical home loan tools
Home loan calculators and planning tools.
Compare repayments, estimate upfront costs and complete a quick home loan check before you talk to us. Start with the tool that suits where you are now.
These tools give you a clearer starting point. They do not assess borrowing capacity, recommend a loan or replace personal advice.
Planning tools
Six tools for planning
your next move.
Get an instant estimate, then talk to us about what the numbers mean for you.
Live planning estimate
Repayment comparison
See the difference. Compare monthly repayments and total interest for two versions of the same loan.One loan. Two possibilities.
See the difference.
Change the rate or term to compare the repayments and total interest.
Shared by both scenarios. From $1 to $20,000,000.
Your starting point
Estimated monthly repayment
$3,597
Principal & interest
- Total interest
- $695,029
- Total repaid
- $1,295,029
Try another scenario
Estimated monthly repayment
$3,992
Principal & interest
- Total interest
- $837,053
- Total repaid
- $1,437,053
The starting 6% and 7% figures are illustrative rates, not advertised offers.
For an existing loan, use the years remaining. Terms shown are calculator inputs, not confirmation of lender availability.
Scenario B compared with A
Repayments are one part of the decision.
We can help you consider the whole loan.
Estimated principal and interest repayments only, rounded to the nearest dollar. Assumes an unchanged interest rate, monthly repayments and monthly compounding. Excludes fees, charges, offset balances and extra repayments. Actual lender calculations may differ. This is not a lender quote, borrowing-capacity assessment or loan approval. The figures stay in your browser and are not submitted to GetInvested.
Learn more at ASIC’s MoneySmart (opens in a new tab).
Planning estimates only. These tools do not provide financial advice, borrowing capacity, tax advice, a lender quote or approval. Nothing entered here is sent to GetInvested.
See how it works
Watch us run the numbers.
In about a minute, Alan works through one example purchase: stamp duty, the cash you need and the repayments.
Example only. Not a quote. Lender criteria, fees and charges apply. Illustrative rates, not an advertised offer.
Home loan check
Not sure where to start?
Answer three questions about what you are trying to do, where you are up to and how your income is earned. You will get a general summary of what usually matters next, with no personal details required.
- No personal contact details required
- This check does not access your credit file
- Your answers are not sent to GetInvested in this preview
Your next move
What are you trying to do?
General information only. This is not a pre-approval or an assessment of borrowing capacity. Your result appears here without contact details. This local preview does not send your answers to GetInvested. You can copy your summary if you choose to share it yourself.
Beyond the estimate
What else matters?
Is this how much I can borrow?
No. This calculator estimates repayments for the amount you enter. Borrowing capacity depends on income, expenses, debts, lender policy and an individual assessment.
Why does a longer term increase total interest?
A longer term usually reduces each repayment, but the balance is repaid more slowly. At the same interest rate, interest is generally charged over more years.
Are fees and offset savings included?
No. These estimates exclude fees, charges, offset balances and additional repayments. Compare the complete loan costs and features before making a decision.
Complimentary strategy call with Alan
Numbers are one part of the decision.
We look at where you are and set out your next step. No cost.