Finance Calculators

Free tools to help you understand your borrowing power, estimate repayments, and plan your property purchase.

Borrowing Power

Calculate how much you could borrow based on your income, expenses, and financial commitments.

Most Popular

Loan Repayments

Estimate your monthly repayments based on loan amount, interest rate, and loan term.

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Stamp Duty

Calculate stamp duty and other purchase costs for your property in any Australian state.

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Step 1 of 7

Who is applying for this loan?

Let us know if you're applying on your own or with a partner.

👤
Just me
Single applicant
👥
Two of us
Joint application
Step 2 of 7

How many dependents do you have?

Include children or anyone financially dependent on you.

0

dependents

Step 3 of 7

What's your employment type?

This helps us understand how lenders will assess your income.

💼
PAYG Employee
Full-time, part-time, or casual
🏢
Self Employed
Business owner or contractor
Step 4 of 7

What's your income?

Enter your gross monthly income before tax.

Your monthly income $8,000
$0 $50,000/month
+ Add rental or other income
Rental income (monthly) $0
$0 $15,000/month
Other income (monthly) $0
$0 $10,000/month
Step 5 of 7

What are your monthly expenses?

Include all regular living expenses like food, utilities, transport, etc.

Monthly living expenses $3,000
$1,000 $20,000/month
Step 6 of 7

Do you have any existing commitments?

Include credit cards, personal loans, car loans, HECS/HELP, etc.

Total credit card limits $0
$0 $100,000
Other monthly repayments $0
$0 $10,000/month
Step 7 of 7

Loan settings

Adjust the interest rate and loan term to see how it affects your borrowing power.

Interest rate 6.00%
3% 15%

Loan term

20
years
25
years
30
years
Your Results

Estimated Borrowing Power

You could borrow up to

$0

Based on 6.00% + 3% buffer over 30 years

Monthly Repayments

$0

Your Expenses

$0

Remaining

$0

Estimated Purchase Costs

Stamp Duty $0
Legal/Conveyancing $2,500
Building & Pest Inspection $700
Loan Establishment $600
Total Upfront Costs $0

Ready to take the next step?

Get a personalised assessment from our expert brokers.

Speak with a FGO Broker
Disclaimer: This calculator provides an estimate only and does not constitute financial advice. The borrowing amount is based on the information you provided and uses a 3% serviceability buffer above the displayed interest rate, as required by APRA guidelines. Actual borrowing capacity depends on individual circumstances, lender policies, and credit assessment. Results should not be relied upon for making financial decisions. Please consult with an FGO Finance broker for a personalised assessment.