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123 Financial Group
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Free Financial Calculators

Choose A Financial Calculator

Choose the calculator that matches your question, read the short explanation, then select the card to open and use the tool.
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.

Budgeting, Saving & Investing

Use these free financial resources to map contributions, savings goals, household cash flow and long-term growth.

Debt, Income, Tax & Assets

Understand repayment timeframes, income estimates, tax and finance options for day-to-day decisions.

How It Works

Getting started is simple. Here is what to expect.
1

Choose Your Question

Start with the outcome you want to understand, such as repayments, borrowing power, savings progress, tax or business revenue.
2

Enter Your Assumptions

Use figures that reasonably reflect your situation. Check whether the calculator asks for a rate, timeframe, contribution or purchase price.
3

Compare Scenarios

Adjust one assumption at a time so you can see what changes the estimate and which factors may have the greatest impact.
4

Review The Estimate

Keep a note of the figures you entered, check the assumptions and remember that the result is an estimate rather than a quote or recommendation.

Frequently Asked Questions

How many financial calculators are available?
This directory contains 33 free financial calculators covering home loans, property, budgeting, saving, investing, debt, income, tax, leasing and business revenue.
Are the financial calculators free to use?
Yes. Every calculator linked from this page is free to use on the 123 Financial Group website and does not require you to sign up before exploring an estimate.
Which home-loan calculator should I use first?
For an initial home-loan estimate, start with the borrowing power, loan repayment and deposit needed calculators. You may also find the stamp duty and property buying costs calculators useful when estimating upfront costs.
Can I compare refinancing scenarios?
Yes. The loan comparison, mortgage switching, offset, extra repayment, split loan and lump sum repayment calculators can help you explore indicative refinancing scenarios.
Do calculator results count as financial advice?
No. Results are general estimates based on the information and assumptions entered. They do not consider your complete circumstances, objectives or needs and should not be treated as personal financial advice.
Why might my actual result be different?
Actual rates, fees, lender policies, tax rules, eligibility requirements and market conditions may differ from the assumptions used by a calculator. Always confirm current information before making a decision.
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Important Information About Calculator Results

Calculator results are general estimates based on the figures and assumptions entered. Actual rates, fees, tax outcomes, lender requirements and eligibility may differ. Review the assumptions carefully and do not treat a result as a quote or personal financial advice.

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