Free, accurate tools for the decisions that actually cost money — what you can borrow, what stamp duty you'll pay, what a loan really costs, and what you keep after tax. Built for Australian rates and rules, updated for 2026.
Nine free tools grouped by what you're trying to work out. Each shows current rates, a full breakdown, and the assumptions behind the numbers.
Use the calculators to set a budget, then get written quotes from at least three lenders and compare them on the comparison rate. ozfinancecalc.com.au does not compare lenders, arrange credit or receive referral fees.
Start with borrowing power →Rates and thresholds are drawn from the RBA, ASIC MoneySmart and the ATO — and dated so you know how current they are.
State-by-state stamp duty, 2025–26 tax brackets, the Medicare levy and the CGT discount are built in.
Every calculator shows the formula and limits behind the result, so you can sense-check it.
No login, no selling your personal numbers. The tools run in your browser.
Every figure below is computed by the same engine that powers the calculators on this site, against rates published by each state revenue office. It is our own research, not a summary of someone else’s.
Buying the median home costs $51,139 in stamp duty in Sydney and $27,188 in Canberra — a spread of $23,951 on properties that are, in each case, simply the middle of their own market. As a share of the purchase price, duty runs from 3.07% to 5.39% depending purely on which side of a state border the property sits.
Two things about that surprise most buyers. The first is that seven of the eight capitals give a first home buyer no duty relief at all on an established home at the median price — the concession thresholds now sit below what a median home costs. Only Canberra does, because the ACT abolished first home buyer conveyance duty outright on 1 July 2026, with no value cap and no income test.
The second is that duty is rising faster than prices. Brisbane values rose 17.4% over the year while the duty on them rose 31.1%, because the brackets are not indexed. Perth was 23.9% against 30.0%. That gap is not a policy anyone announced; it is simply what happens when prices move and thresholds do not.
Read the full study, with the method and the underlying dataset →
Or work out the duty on a specific price and state →