Every calculator below is free, mobile-friendly, uses 2026 ATO/APRA/state rates, and works across all eight Australian states. Pick a tool to get started — or walk the whole purchase end to end with the free First Home Journey.
All Australian states — NSW, VIC, QLD, SA, WA, TAS, ACT, NT. Transfer duty, FHB exemptions, foreign surcharges.
Every cost when buying — stamp duty, legals, bank fees, inspections, insurance, moving, lease break.
How much deposit do you need? Stamp duty, LMI, legals, FHB concessions across all 8 states.
First home buyer grants, stamp duty exemptions, and concessions you qualify for — all 8 states.
Is that asking price fair? Compare a listing against real government-recorded suburb medians — VIC, SA & QLD.
Your true walk-away price, the all-in cost of your top bid, and a printable auction-day plan.
Each state has its own rates, first home buyer concessions, and foreign-buyer surcharges. Pick your state for the most accurate figure.
How much can a bank lend you? Applies the APRA 3% serviceability buffer used by every major Australian lender.
Estimate borrowing capacity using income, expenses, and Australian bank lending criteria.
Weekly, fortnightly and monthly repayments for Australian home loans — P&I or interest-only.
Compare Interest Only and Principal + Interest loans side-by-side. Total cost and cash-flow difference.
Test your repayments against rate increases. See how much buffer runway you have if rates climb.
Calculate gross and net rental yield. See if your investment stacks up financially before you commit.
CGT on an Australian property sale — 50% discount and 2026-27 marginal tax rates applied.
How much home equity you can release or refinance based on property value, mortgage, and LVR limits.
Model a buy-renovate-sell strategy. Net profit, ROI, and annualised return before you commit.
Itemised renovation budget by line item, category, and contingency — room by room, phase by phase.
Annual land tax for every Australian state — multi-property aggregation, trusts, companies and foreign surcharges. Verified 2026 rates.
Weekly cost or income after tax — exact FY2026-27 negative gearing, live rate suggestion, suburb median rent prefill.
Want to walk the whole purchase in order? The free First Home Journey compares the schemes for your numbers, builds a budget with a firm maximum price, and tracks your contract deadlines.
Start your first home journey →