Transparent Australian loan and income calculators — built to help you understand repayments, borrowing power, and costs before you commit.
LoanMetric is developed by The Observable, a technology company focused on building AI-powered tools that simplify complex decisions.
We combine modern engineering, data, and AI to create products that help everyday users make smarter financial choices through scenario-based insights built for Australia.
LoanMetric started as a way to answer real borrowing questions the founder faced when trying to properly understand loans — not just repayments, but total cost and how different debts affect borrowing capacity.
Many borrowers don't see how things like balloon payments, credit card limits, personal loans, or investment property scenarios change outcomes until late in the process. LoanMetric makes those relationships visible early so decisions can be made with clearer expectations.
Use the calculators to test "what-if" scenarios — not to predict an exact lender decision.
No sign-up required • Instant calculations • Based on Australian assumptions • Compare scenarios before committing
LoanMetric is an independent educational tool focused on helping users understand how loans work using transparent calculations and publicly available Australian data sources including RBA and ABS references where relevant.
Across our Australian loan calculators, you can compare borrowing capacity Australia, home loan repayments Australia, car loan calculator Australia, personal loan repayments Australia, and investment property calculator Australia scenarios in one place.
LoanMetric does not provide financial advice or lending recommendations.
LoanMetric provides practical Australian finance tools including a home loan calculator, home equity calculator, borrowing capacity calculator, car loan calculator, personal loan calculator, interest free store card calculator, investment property calculator, and take-home pay calculator.
These tools help model repayments, borrowing power, contractor and PAYG income, and scenario planning before applications or major commitments.
LoanMetric uses standard amortisation math and transparent assumptions. Each calculator includes a Data Sources & Methodology section describing formulas and assumptions.
Read key terms in the Finance Glossary or view an example on the Home Loan Calculator methodology.
LoanMetric includes contractor-friendly income modelling to avoid assumptions that every weekday is billable all year.
Try the Take-Home Pay Calculator with contractor presets to compare realistic outcomes.
Default rates are examples only — adjust inputs to match lender offers.
LoanMetric is designed to work without sign-up.
If you contact us or opt-in to updates, we only use your details for the purposes described in our Privacy Policy.