Make smarter loan and income decisions before you commit.

Independent Australian calculators for home loans, borrowing power, car loans, and take-home pay.

Selected calculators now include AI Insight to explain what your results mean in plain English.

Explore Calculators Home Loan Calculator

Australian-focusedIndependentNo sign-up required

LoanMetric provides free Australian calculators for home loans, borrowing capacity, car finance, and take-home pay.

Core calculators

Start with the most-used LoanMetric tools for repayments, borrowing, income, and car finance.

🧭

First Home Buyer

New

Estimate first-home-buyer support, upfront costs, grant pathways, and duty savings with conservative eligibility statuses.

First HomeGrantsStamp Duty

Open calculator

🏠

Home Loan

Most usedAI Insight

Estimate repayments, interest, and total cost, then understand the result with AI Insight.

MortgageOffsetRepayments

Open calculator

📈

Borrowing Power

PopularAI Insight

Estimate borrowing power from income, expenses, and debts, with AI Insight to explain what is driving the result.

ServiceabilityIncomeEstimate

Open calculator

💵

Pay Calculator

Contractor friendly

Work out your take-home pay after tax, including PAYG income tax, Medicare levy, HELP/HECS repayments, and super. See your net income weekly, fortnightly, monthly, or annually based on Australian tax rates.

TaxSalaryNet PayAustralia

Open calculator

Understand what your numbers mean

Selected LoanMetric calculators include AI Insight to explain repayments, borrowing power, and property cash flow in simple language.

Explain loan costs

Understand repayment and interest outcomes with clearer plain-English context.

Understand borrowing limits

See what is supporting or constraining borrowing power based on your scenario.

Interpret investment cash flow

Read rental income versus loan and property costs without technical jargon.

AI Insight explains your current calculator inputs and results. General information only.

Where should you start?

First home buyer support estimate

New

Estimate grants, duty savings, and low-deposit support pathways by state.

Check first home support

How much can I borrow?

Start here

Estimate borrowing power from income, expenses, debts, and lender buffers.

Check borrowing capacity

What would repayments be?

Model home loan repayments, interest, and total cost over time.

Estimate repayments

Budget with your income

Convert gross salary to weekly, fortnightly, monthly, and annual net pay.

Calculate take-home pay

Buying a car?

Calculate repayments with balloon options, fees, and rate scenarios.

Estimate car loan

Compare loan options

Review refinance and personal loan paths side-by-side before deciding.

Compare options

Why LoanMetric

Clear repayment breakdowns

See principal, interest, fees, and totals clearly.

Practical lender-style views

Compare standard results with lender-style repayment displays.

Fast and independent

No sign-up required. Get results instantly.

Australian lending indicators

Key economic indicators affecting borrowing costs in Australia.

View full market data →

Cash Rate

4.10%

Official target rate (RBA).

Source: RBA

Fetched: 3 April 2026, 4:00 PM AEDT

View cash rate page

Inflation (CPI)

3.7%

Annual CPI inflation (ABS)

Source: ABS

Period: Q1 2026

Fetched: 3 April 2026, 10:12 AM AEDT

Next RBA Meeting

5 May 2026

Next scheduled RBA cash rate decision.

The RBA usually reviews the cash rate at each meeting.

Source: RBA

Fetched: 3 April 2026, 10:14 AM AEDT

View RBA cash rate page

Last updated: 3 April 2026, 4:00 PM AEDT

Australian lending snapshot

Official reference data from RBA and ABS used by LoanMetric calculators.

Home loan averages (RBA)

Owner-occupier (new): 5.50%
Investor (new): 5.66%

Period: January 2026 • Retrieved: 3 Apr 2026, 10:10 AM AEDT

Source: RBA (Table F6) View full market data →

Housing finance (ABS)

Avg owner-occupier loan: $736,000
Avg investor loan: $717,000

Period: December 2025 • Retrieved: 3 Apr 2026, 10:10 AM AEDT

Source: ABS (Lending Indicators) More lending reference data →

View full market data →

General information only. Not personal financial advice.

Explore all calculators

Browse the full LoanMetric calculator suite for Australian lending and income scenarios.

🧭

First Home Buyer

New

Estimate first-home-buyer support, upfront costs, grant pathways, and duty savings with conservative eligibility statuses.

First HomeGrantsStamp Duty

Open calculator

🏠

Home Loan

PopularAI Insight

Estimate repayments, interest, and total cost, then understand the result with AI Insight.

MortgageOffsetRepayments

Open calculator

🏡

Home Equity Calculator

Estimate equity, current LVR, and usable equity at a target LVR before checking serviceability.

EquityLVRUsable Equity

Open calculator

🔁

Refinance Calculator

Updated

Compare refinance repayments, break-even time, fees, cashback, and net benefit in one clear view.

RefinanceBreak-evenSavings

Open calculator

📈

Borrowing Power

AI Insight

Estimate borrowing power from income, expenses, and debts, with AI Insight to explain what is driving the result.

ServiceabilityIncomeEstimate

Open calculator

🛍️

Interest Free Calculator

New

Calculate the real cost of 'interest-free' store card deals. See fees, total cost, and the equivalent loan rate.

Store CardsRetail FinanceInterest Free

Open calculator

💳

Personal Loan

Estimate repayments, interest, fees, and see how extra repayments reduce your loan faster.

PersonalRepaymentsFees

Open calculator

🚗

Car Loan

Work out your car loan repayments instantly — including interest rates, balloon payments, fees, and repayment frequency. See weekly, fortnightly, or monthly repayments based on Australian finance scenarios.

AutoRepaymentsInterest

Open calculator

🏢