Free Property Calculators
Plan your property purchase with our free Australian property calculators. Estimate stamp duty, borrowing power, repayments, and refinancing savings.
Stamp Duty Calculator
Calculate stamp duty for any state with first home buyer exemptions and foreign buyer surcharges.
Use CalculatorBorrowing Capacity Calculator
Find out how much you can borrow based on your income, expenses, and current interest rates. Includes APRA buffer and DTI limits.
Use CalculatorMortgage Calculator
Calculate home loan repayments by frequency, then see how extra repayments, an offset account, or a lump sum cut your interest and loan term.
Use CalculatorRefinance Calculator
Compare your current loan with a new rate to see monthly savings, break-even period, and lifetime costs.
Use CalculatorProperty Holding Costs Calculator
Understand the true annual cost of owning property: rates, insurance, maintenance, and tax deductibility.
Use CalculatorRent vs Buy Calculator
Compare the true cost of renting versus buying, factoring stamp duty, mortgage, investment returns, and property growth.
Use CalculatorWhich calculator should you use?
Each calculator answers a different question at a different stage of the buying journey. Every tool is free, works for all Australian states and territories, and needs no sign-up. Here is where each one fits.
1. Setting your budget
Start with the borrowing capacity calculator to see how much a lender is likely to advance you, including the APRA serviceability buffer and DTI limits. Weighing whether to keep renting? The rent vs buy calculator compares the true long-term cost of each.
2. Budgeting the upfront costs
Stamp duty is usually the largest cost after your deposit — estimate it with the stamp duty calculator, which includes first-home-buyer concessions and foreign-buyer surcharges. Then use the property holding costs calculator to see the true annual cost of ownership. Our complete cost guide breaks down every line item.
3. Structuring the loan
Work out repayments — and how extra repayments, an offset account, or a lump sum change them — with the mortgage calculator. Already own? The refinance calculator shows your monthly saving and break-even point on a new rate.
Frequently Asked Questions
Yes. Every calculator on Realestate Lens is completely free, with no sign-up, account, or payment required. You can use them as many times as you like.
They give close estimates based on current, published figures — state stamp duty schedules, typical APRA serviceability rules, and the rates and inputs you enter. They are a planning guide, not formal financial or legal advice. Always confirm final figures with your lender, conveyancer, or the relevant state revenue office before you commit.
Start with the borrowing capacity calculator to set a realistic budget, then use the stamp duty calculator to estimate your largest upfront cost. Together they tell you what you can afford and what you'll need in cash on top of your deposit.
The stamp duty calculator reflects the current rate schedules and first-home-buyer thresholds for each state and territory. Because thresholds change with state budgets, always confirm your exact liability with your state revenue office before settlement.
Yes. All calculators cover NSW, VIC, QLD, WA, SA, TAS, ACT, and NT. State-specific rules — like stamp duty brackets and concessions — are applied automatically once you select your state.
Analyze Contracts with AI
Realestate Lens identifies risks, hidden costs, and red flags in any Australian property contract, in about 60 seconds.
Get Started Free