Home Loan Calculators

Doing the math on your Home Loan and Mortgage is easy with our online calculators. Compare loan options, work out how much you can borrow and your repayment amount. First home buyer, upgrading your family home, looking for an investment, refinancing your current mortgage or just doing your research, get the right start with our range of mortgage and investment calculators.

Our calculators help you determine stamp duty and other property purchase costs. For any complex lending scenarios, please contact us directly at docs@niceloans.com.au or (07) 3114 228

Stamp Duty Calculator

Calculate how much stamp duty (land transfer) and government fees you pay on property sale and purchase. Estimate the stamp duty cost for each state.



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Borrowing Power Calculator

Working out how much you could borrow is an important part of choosing your new home and home loan. You need to know how much you comfortably afford to repay, given your other expenses and without impacting your lifestyle too much. Calculate

Budget Planner

This is free online budget planner and calculator for your regular income and expenses. Plan your monthly budget the smart way and achieve your savings.


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Comparison Rate Calculator

Use our comparison rate calculator to identify the best home loan for you by factoring in the loan term, interest rate, and fees you need to plan for.


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Compound Interest Calculator

Use our compound interest calculator to see how your savings or investments might grow over time using the power of compound interest.



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Credit Card Calculator

Credit card calculator to find the time it will take to pay off your credit card in certain time




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Extra Repayment Calculator

Let our extra repayment calculator help you. Simply enter your existing loan details, plus additional contribution details and the calculator will estimate how much time and interest you can save by paying off more than your minimum loan repayments.
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Home Loan Comparison Calculator

Overwhelmed by all the home loans options available? Don’t be! With Comparison Calculator, you’ll have the power to narrow down your choices, and find an affordable rate that works for your situation.

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Home Loan Offset Calculator

Use our offset calculator to find out how much you could save on your home loan interest over the life of the loan if you use an offset account.


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How Long to Repay Calculator

Work out how long it will take to pay off your home loan with our Repayment Calculator.



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Income Gross Up Calculator

By using this calculator, you can easily calculate your annual gross income, yearly tax payable, and tax to gross income payable ratio. When applying for a home loan, lenders consider your gross income. This is done to evaluate what kind of mortgage you can afford.

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Income Tax Calculator

You can use this online calculator to give you an estimate of the tax you owe on your taxable income. The income tax rates will depend on the income year you select (up to the 3 previous years), and your residency status. Non-residents are taxed at a higher rate, and are not eligible for the tax-free threshold.
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Interest Only Mortgage Calculator

This calculator helps you work out the repayments before and after the interest-only period, the total cost of an interest-only mortgage and how much more you will pay with an interest-only mortgage compared to a principal and interest loan


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Lump Sum Repayment Calculator

Calculate how much a lump sum payment on your loan will save you with our Lump Sum Repayment Calculator.




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Mortgage Refinance Calculator

This calculator helps you work out whether you will save money by switching to another mortgage, how long it will take to recover the cost of switching, the benefits of making higher repayments instead of minimum repayments.

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Property Buying Cost Calculator

How much will you spend on property purchase costs? Find out how much stamp duty, fees & LMI will cost by using our home buying costs calculator.



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Property Selling Cost Calculator

This calculator is a great tool to make sure you’ve covered all the costs of selling a property. It provides a total estimated property selling cost based on a summary of inputted costs and fees, helping you figure out the real cost of selling your property.

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Split Loan Calculator

Find out how much you will pay if you split between fixed vs. variable interest rates with our split loan calculator.




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Saving Calculator

Use our savings calculator to see how you can increase your savings and get closer to your savings goal – be it a deposit for a new home, a holiday or a rainy day.

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Reverse Mortgage Calculator

Use the reverse mortgage calculator to see how a reverse mortgage can affect the equity you have in your home


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Rent vs Buy Calculator

Simply enter in the details of the property that you’d like to buy and your personal situation. Our calculator will compare the cost of continuing to rent vs the cost of buying a home. Which is better for you?
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