Free Property Calculators
Explore stamp duty, borrowing-capacity, repayment and refinancing scenarios with the public website calculators. Results are planning estimates, not lender offers, revenue-office assessments or professional advice.
Stamp Duty Calculator
Create an indicative transfer-duty estimate from the jurisdiction, value and buyer settings offered by the tool.
Use CalculatorBorrowing Capacity Calculator
Explore an indicative borrowing scenario using your inputs and the serviceability assumptions shown in the calculator.
Use CalculatorMortgage Calculator
Estimate repayments and model how extra repayments, an offset balance or a lump sum could change interest and term.
Use CalculatorRefinance Calculator
Compare two entered loan scenarios and estimate a break-even period; actual lender costs and eligibility will differ.
Use CalculatorProperty Holding Costs Calculator
Organise indicative rates, insurance, maintenance and other holding-cost assumptions in one scenario.
Use CalculatorRent vs Buy Calculator
Compare a modelled renting and buying scenario using assumptions you can inspect and change.
Use CalculatorWhich calculator should you use?
Each calculator answers a different question at a different stage of the buying journey. Every tool is free and needs no sign-up. Jurisdictional coverage and assumptions differ by tool, so check the notes on the calculator you use. Here is where each one fits.
1. Setting your budget
Start with the borrowing capacity calculator to explore a scenario based on the income, expenses, interest rate and serviceability settings you enter. It is not a lender assessment. Weighing whether to keep renting? The rent vs buy calculator compares two modelled long-term scenarios.
2. Budgeting the upfront costs
Transfer duty can be a significant upfront cost. Estimate it with the stamp duty calculator, using the buyer settings and jurisdiction options shown. It cannot guarantee eligibility for every concession or surcharge. Then use the property holding costs calculator to organise an annual-cost estimate. Our property cost guide outlines common cost categories to investigate.
3. Structuring the loan
Estimate repayments (and how extra repayments, an offset account, or a lump sum could change them) with the mortgage calculator. Already own? The refinance calculator estimates the difference and break-even point from the costs and rates you enter.
Frequently Asked Questions
Yes. The public calculators currently require no Realestate Lens account or payment. Availability can change, but any future commercial terms would be published before a charge is taken.
They produce illustrative estimates from the inputs, formulas and assumptions implemented in each tool. They do not promise a lender outcome or a complete, current tax or duty assessment. Confirm material figures with the relevant revenue office, lender and qualified adviser before committing.
The borrowing-capacity tool can help you explore a starting scenario, and the stamp-duty tool can add an indicative upfront-cost estimate. Neither determines what you can afford or the cash a lender or revenue office will ultimately require.
Do not assume so without checking the source notes and effective dates shown in the calculator. Rates, concessions and eligibility can change, sometimes with transitional rules. Confirm the result with the relevant revenue office or your conveyancer.
Some tools are general financial models, while the stamp-duty tool offers jurisdiction selections. A state selector does not guarantee that every exemption, concession, surcharge or special case is implemented. Check the individual tool and official source.
Realestate Lens is in pre-launch
The public app does not currently accept contract uploads. Join the early-access waitlist for verified launch and product updates.
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