AU Loan Calculator: Mortgage

AU Loan Calculator is the most comprehensive free Australian property loan calculator. Plan your home purchase with confidence using professional-grade financial tools.

★ COMPLETE HOME LOAN CALCULATOR ★
Calculate your mortgage repayments instantly. Enter property price, deposit, interest rate, and loan term to see monthly payments. Our amortisation engine shows exactly what you'll pay over your entire loan.

★ STAMP DUTY CALCULATOR ★
Get accurate stamp duty estimates for Australian states:
• NSW stamp duty calculations
• Victoria stamp duty calculations
• First Home Buyer exemptions included
• See total government charges upfront

★ LMI CALCULATOR ★
Lenders Mortgage Insurance estimates when your deposit is below 20%. Know your true upfront costs before you buy.

★ PAYMENT FREQUENCY COMPARISON ★
Compare Monthly vs Fortnightly vs Weekly repayments:
• See interest savings with more frequent payments
• Calculate years saved on your loan term
• Daily interest precision calculations

★ AMORTISATION SCHEDULE CHART ★
Visualise your loan journey:
• Principal vs Interest breakdown
• See how payments shift over time
• Track your equity growth

★ LUMP SUM PAYMENT PLANNER ★
Model extra repayment scenarios:
• Add one-time payments at any year
• See new loan end date
• Calculate total interest saved

★ 100% OFFSET ACCOUNT SIMULATOR ★
Australia's most powerful offset calculator:
• Daily interest on net balance (Loan - Offset)
• Monthly contribution modelling
• Compare standard vs offset loan outcomes

★ INTEREST-ONLY CALCULATOR ★
Plan flexible repayment structures:
• Set 1-10 year I/O periods
• See lower interest-only payments
• Calculate higher P&I payments afterward

WHY AU LOAN CALCULATOR?

✓ 100% FREE - No subscriptions or hidden costs
✓ NO SIGN-UP - Calculate immediately
✓ PRIVATE - All calculations on your device
✓ OFFLINE - Works without internet
✓ AUSTRALIAN - Built for AU property market
✓ ACCURATE - Bank-grade formulas
✓ DARK MODE - Easy viewing anytime

PERFECT FOR:
• First home buyers
• Property investors
• Homeowners refinancing
• Mortgage brokers
• Financial planners

FEATURES SUMMARY:
• Mortgage repayment calculator
• Stamp duty calculator NSW VIC
• LMI calculator Australia
• Offset account calculator
• Amortisation schedule
• Extra repayment calculator
• Interest only calculator
• Payment frequency comparison
• Principal and interest breakdown
• Home loan comparison tool

Australian home loan calculator designed for the AU property market. Calculate mortgage repayments, stamp duty, lenders mortgage insurance, offset account savings, and more.

Download AU Loan Calculator today — your free Australian mortgage planning companion.