ramaninvests

Free tools

Run the numbers.

Estimates for Australian borrowers. Change any figure and the results update instantly.

Repayment calculator

What your home loan repayments could look like.

Repayment type
Frequency
Monthly repayment-
Total interest
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Total repaid
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Borrowing power

A rough guide to what lenders may let you borrow.

You could borrow around-
Monthly repayment at that amount
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Rate lenders test you at
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Estimated take-home pay (monthly)
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Lenders test whether you could afford repayments at about 3% above the actual rate, and use the higher of your stated expenses or a living-cost benchmark. Tax uses 2026–27 resident rates plus the 2% Medicare levy. Rental income is counted at 80%. Each lender's policy differs, often by a lot.

Refinance savings

Is switching worth it once costs are counted?

You could save each month-
Saved in the first year
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Costs covered after
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Interest saved over the loan (after costs)
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Extra repayments

See what a little extra each month does.

Interest saved-
Loan paid off sooner by
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New monthly repayment
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Car & asset finance

Repayments for a vehicle or equipment, with an optional balloon.

Frequency
Monthly repayment-
Amount financed
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Balloon due at the end
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Total interest
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Excludes lender establishment and monthly fees, which vary.

Deposit goal

When will you be ready to buy?

Deposit
Deposit ready in-
Total you need
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Loan amount
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Loan-to-value ratio (LVR)
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Want real numbers from real lenders?

These are estimates. A free chat gets you figures based on your actual situation.

Book a free chat

Information on this website is general in nature and does not take into account your objectives, financial situation or needs. Calculator results are estimates only and are not an offer or approval of credit. All applications are subject to lender assessment, terms, conditions, fees and charges.