LoanMetric combines transparent Australian finance calculators with My LoanMetric, a private Personal Finance Dashboard.
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 signup required for calculators • Instant calculations • Based on Australian assumptions • Compare scenarios before committing
LoanMetric is an independent educational tool — not a lender, broker, or affiliate marketplace. It does not provide financial advice or lending recommendations, and does not approve loans or assess eligibility.
Calculations use standard amortisation math and transparent assumptions. Each calculator includes a methodology section describing formulas and assumptions used. Default rates are examples only — adjust inputs to match lender offers.
Data sources: RBA (cash rate), ABS (household snapshots), ATO (take-home pay). Read key terms in the Finance Glossary.
Calculators
My LoanMetric workspace
Contractor-friendly income modelling includes billable utilisation, unpaid leave, and contract gaps. Try the Take-Home Pay Calculator with contractor presets.
Calculators do not require an account. Sign in is only needed for My LoanMetric — saved scenarios and workspace tools. Sign-in uses a one-time code to your email, no password required.
We only use your details for purposes described in our Privacy Policy. You can delete your account and data at any time.
