Loan Repayment Calculator
See your regular repayment, total interest and the true cost of borrowing.
Tools For Better Money Decisions
Free Financial Resources for Australians
Take the guesswork out of your next money decision. Explore practical tools for home loans, budgeting, saving, tax and more—free to use whenever you need a clearer starting point.
29 Free Financial Calculators
Practical Money Planning Tools
Clear Starting Points, No Sign-Up
Free to use · Australian-focused tools · Estimates made simple
Why Choose 123 Financial Group?
Start With The Numbers That Matter
Whether you are buying, refinancing, saving, investing or getting on top of your budget, a quick calculation can turn a vague question into a useful next step.
Explore Scenarios At Your Own Pace
Change a rate, contribution, timeframe or purchase price to see how the numbers may move. Use the results to compare options and prepare better questions.
Move From Estimates To Confident Conversations
Calculators are a helpful first step—not a replacement for tailored advice. When you are ready, our team can help you understand what the numbers mean for your circumstances.
Free Financial Calculators
Choose a calculator below to explore a scenario. Each tool is free to use and opens on 123 Financial Group.
These free financial calculators provide indicative estimates only. They are a useful place to explore scenarios, not personal financial advice. Consider your circumstances and speak with a qualified professional before making a financial decision.
Home Loans & Property
Explore repayments, deposits, property costs and common lending scenarios before your next property decision.
Borrow Power Calculator
Get a clear first look at what may be comfortable for your household.
Loan Comparison Calculator
Put two loan scenarios side by side, without the spreadsheet.
Comparison Rate Calculator
Estimate the all-in annual cost of a loan once common fees are included.
Extra Repayment Calculator
See how a regular top-up could shorten your home loan and reduce interest.
Home Loan Offset Calculator
Estimate the potential interest and time saved with an offset account.
Fortnightly & Weekly Repayment Calculator
Compare loan repayment amounts across monthly, fortnightly and weekly frequencies.
Deposit Needed Calculator
Set a property price and deposit target to plan your next purchase.
Interest-Only Loan Calculator
See the estimated repayment during an interest-only period and its annual cost.
Principal & Interest Calculator
Estimate a standard principal-and-interest repayment for your loan.
Lump Sum Repayment Calculator
See the possible interest saving from putting a lump sum into your loan.
Mortgage Switching Calculator
Compare an existing loan rate with a potential new rate after switching costs.
Introductory Rate Loan Calculator
Prepare for a potential repayment change when an introductory rate ends.
Property Buying Costs Calculator
Build an indicative picture of upfront costs beyond your property deposit.
Property Selling Costs Calculator
Estimate selling costs and the proceeds left after an existing mortgage payout.
Reverse Mortgage Calculator
Project potential loan growth and remaining property equity over time.
Rent vs Buy Calculator
Compare indicative future wealth under renting and buying assumptions.
Split Loan Calculator
Combine fixed and variable portions to see your total repayment picture.
Stamp Duty Calculator
Estimate transfer duty using a simplified indicative state-based approach.
Budgeting, Saving & Investing
Use these free financial resources to map contributions, savings goals, household cash flow and long-term growth.
Investment Growth Calculator
Map the quiet momentum of regular investing over time.
Budget Calculator
Turn regular income and spending into a practical monthly surplus.
Compound Interest Calculator
Project how compounding can grow a starting balance over time.
How Long To Save Calculator
Estimate how long regular savings could take to reach your target.
Savings Calculator
Project your balance, contributions and potential interest over your savings horizon.
Debt, Income, Tax & Assets
Understand repayment timeframes, income estimates, tax and finance options for day-to-day decisions.
Credit Card Repayment Calculator
Understand how long a fixed card repayment could take and what interest may cost.
How Long To Repay Calculator
Estimate the repayment time for a balance, rate and chosen monthly payment.
Income Annualisation Calculator
Convert a regular income amount into a clear annual figure.
Income Tax Calculator
Get an indicative Australian resident income tax and take-home estimate.
Lease Calculator
Estimate regular lease payments from an asset price, residual value and rate.
A clear number will not make the decision for you—but it can make the next question much easier to ask.
A practical starting point for your money decisions, Australia-wide
How It Works
Getting started is simple. Here is what to expect.
1
Choose A Relevant Tool
Start with the calculator closest to your question, whether that is a home loan repayment, a savings target, tax or a household budget.
2
Try A Few Scenarios
Adjust the figures to see how a change in your rate, payment, contribution or timeframe may affect the estimate.
3
Save Your Questions
Note what surprised you and the assumptions you used. This gives you a practical base for a conversation with a professional.
4
Get Personal Guidance
When the decision matters, contact the 123 Financial team for help considering your circumstances and next steps.
Not sure which free financial resource fits your question?
Book your appointment today and get clarity on your financial future. No obligation, no pressure—just honest advice.
Find The Right Starting Point
Choose a tool that reflects the decision you are exploring. Each calculator gives you an estimate to help frame the conversation.
Explore repayments, deposits, stamp duty and upfront buying costs before you begin your property search.
Start with property calculators, Home loans
See whether your current loan may look different with an offset, extra repayments, a split loan or switching costs.
Start with loan calculators, Refinancing
Turn income and spending into a view of your monthly surplus, then test how regular savings could build over time.
Start with budget and savings tools, Money management
Map a contribution horizon, compound interest or potential investment growth to see how time can affect an estimate.
Start with growth tools, Investing
Estimate the repayment timeframe for a balance or understand the potential cost of a fixed credit-card payment.
Start with repayment tools, Personal finance
Convert regular income to an annual figure or explore an indicative Australian income-tax and take-home estimate.
Start with income tools, Tax planning
Frequently Asked Questions
What are free financial resources?
Free financial resources are practical tools and educational information that can help you explore a money question. On this page, they include calculators for home loans, property costs, budgeting, saving, investing, income, tax and debt.
Are these financial calculators free to use?
Yes. The calculators on this page are free to use on the 123 Financial Group website. They are designed to help you explore indicative scenarios before you make a decision or speak with a professional.
Are calculator results personal financial advice?
No. Calculator results are estimates based on the information and assumptions you enter. They do not take your full situation, objectives or needs into account, so they should not be relied on as personal financial advice.
Which financial calculator should I use first?
Start with the question you are trying to answer. For a property purchase, try the borrowing power, loan repayment, deposit needed, stamp duty or property buying costs calculators. For household money management, begin with the budget or savings calculator.
Can I use these calculators for a refinance?
Yes. The loan comparison, mortgage switching, extra repayment, home loan offset, split loan and repayment calculators can help you explore an indicative refinance scenario. A mortgage professional can then help you assess the assumptions and available options.
When should I speak with a financial professional?
Speak with a qualified professional before acting on a significant financial decision. A conversation is particularly useful when your circumstances are complex, you are comparing lending options, or you need guidance beyond a general estimate.
Calculator Estimates And Personal Guidance
Both have a role. A free calculator can help you explore a number; personal guidance can help you consider what it means for your circumstances.
| Feature | Personal Guidance | Free Calculator |
|---|---|---|
| Instantly test an indicative scenario | ✓ | ✓ |
| Based on the assumptions entered | ✓ | ✓ |
| Considers your broader circumstances | ✓ | ✗ |
| Helps you prepare better questions | ✓ | ✓ |
| Explains relevant options and trade-offs | ✓ | ✗ |
| Supports a significant financial decision | ✓ | ✗ |
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A Clearer Starting Point, Free Of Pressure
Use these tools to explore a question in your own time. If you would like help understanding an estimate or discussing your next step, you can contact the 123 Financial team—there is no obligation to proceed.
Have A Financial Question?
Connect with us by phone, email, or the form below.
Visit usSuite 24, Level 1, OTP House, 10 Bradford Close, Kotara NSW 2289
Call us02 4920 7886