Calculators
Fast, accurate tools for making smarter financial decisions.
Property
Holding Cost calculator
The true ongoing cost of owning a property beyond the mortgage.
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Purchase Tax calculator
Estimate transfer duties, stamp duty, or purchase taxes on property transactions.
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Rental Yield calculator
Gross and net rental yield calculations for investment property.
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Capital Gains calculator
Capital gains tax estimates with optional long-term holding discount and exemption flag.
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Depreciation Schedule calculator
Year-by-year building and fixtures depreciation projection for investment property.
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Vehicles
Total Ownership Cost calculator
The full cost of owning a vehicle over its lifetime.
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Depreciation calculator
Estimated vehicle depreciation by make, model, and age.
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Fuel Cost calculator
Annual and lifetime fuel cost estimates based on driving patterns.
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Lease vs Buy calculator
Compare the total cost of leasing versus purchasing a vehicle.
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EV Savings calculator
Electric vehicle running cost comparison against petrol and diesel.
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ICE to EV Upgrade calculator
Should you keep your petrol car or upgrade to an EV? Total cost of ownership comparison including trade-in, incentives, and running costs.
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New vs Used Vehicle calculator
Compare the total cost of ownership of buying new versus used over your planned ownership period.
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Own vs Public Transport calculator
Compare the cost of owning a vehicle against using public transport over time.
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Investments
Compound Interest calculator
Visualise how compounding grows savings and investments over time.
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Fee Drag calculator
The long-term impact of management fees on investment returns.
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Dollar Cost Averaging calculator
Model regular investment contributions through market cycles.
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Dividend Reinvestment calculator
Projected growth with dividend reinvestment (DRIP) strategies.
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Rule of 72 calculator
A quick mental-math estimate of how many years it takes for an investment to double at a given annual return.
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Real Return calculator
Inflation-adjusted investment growth — the difference between nominal returns and actual purchasing power over time.
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Business Assets
Equipment TCO calculator
Total cost of ownership for business equipment and machinery.
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SaaS Cost calculator
True cost analysis of software subscriptions including hidden costs.
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Employee Cost calculator
The full cost of an employee beyond salary — retirement, leave, overhead.
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Break-Even calculator
The number of units a business must sell to cover its fixed and variable costs.
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Mortgages
Repayment calculator
Monthly repayment estimates with principal and interest breakdown.
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Extra Repayment calculator
Interest and time saved by making additional mortgage repayments.
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Mortgage Affordability calculator
Estimate the maximum loan you could afford based on income, expenses, and debt-to-income ratio.
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Interest-Only vs Principal calculator
Compare interest-only repayments against principal-and-interest, including the payment shock when the interest-only period ends.
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Offset Account Savings calculator
Interest savings and net benefit from maintaining a balance in a mortgage offset account, factoring in any fee differential.
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Loans
Personal Loan calculator
Repayment estimates for unsecured and secured personal loans.
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Car Loan calculator
Vehicle finance repayment modelling with balloon payment options.
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Debt Consolidation calculator
Compare consolidating multiple debts into a single loan.
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Loan Comparison calculator
Side-by-side loan comparison including fees and total cost.
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Daily Interest calculator
See how much interest you pay daily, weekly, monthly, and annually on any loan type.
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Debt
Debt Snowball calculator
Pay off debts smallest-to-largest for momentum and motivation.
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Debt Avalanche calculator
Pay off debts highest-rate-first to minimise total interest.
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Debt-Free Date calculator
Project your debt-free date based on current repayment strategy.
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Interest Saved calculator
How much interest you save by increasing repayments.
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Credit Card Interest calculator
See the true cost of a credit card balance — total interest paid and time to pay off.
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Credit Card Minimum Payment calculator
The decades-long cost of paying only the minimum on a credit card balance.
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Personal Finance
Income Breakdown calculator
Convert hourly, weekly, monthly, or annual income into every other pay frequency with optional deductions.
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Salary vs Contractor calculator
Compare an employee salary against a contractor hourly rate, factoring in paid leave and overhead.
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Budget Split calculator
Allocate monthly income across needs, wants, and savings using the 50/30/20 rule or a custom split.
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Savings Goal calculator
Project the timeline to reach a target savings balance with regular contributions.
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Monthly Savings Required calculator
Calculate the monthly contribution needed to hit a savings goal by a target date.
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Emergency Fund calculator
Size an emergency fund based on monthly expenses and a target number of months of cover.
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Cost Per Use calculator
Work out the true per-use cost of a purchase across its expected lifetime.
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Pocket Money Growth calculator
Show kids how regular pocket money grows over time with simple compounding.
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Kids Saving Goal calculator
Help children plan how to save for a specific goal with weekly contributions.
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Pocket Money Tracker calculator
Track a child’s pocket money balance against spending and saving goals.
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Simple Interest Explainer calculator
Visual, beginner-friendly walkthrough of how simple interest is calculated.
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Education
Student Loan Payoff calculator
Project the timeline and total interest on a student loan, with optional extra-payment savings analysis.
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Education ROI calculator
Model the long-term earnings advantage of a qualification against your own salary assumptions.
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Cost of Education calculator
Project total tuition, living costs, and graduation loan balance year-by-year with inflation.
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Part-Time Job Savings calculator
Project savings from a part-time job alongside study, with weekly hours and rate assumptions.
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Student Budget calculator
Allocate income from loans, scholarships, family, and part-time work across living and study costs.
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Degree vs No Degree calculator
Compare lifetime earnings between studying for a qualification and entering the workforce immediately.
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Scholarship Impact calculator
See how a scholarship or grant changes total cost, loan balance, and post-graduation repayment timeline.
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Study Opportunity Cost calculator
The hidden cost of studying — foregone wages plus the compound growth those wages could have earned if invested.
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Living at Home vs Moving Out calculator
Compare the holding cost of staying at home against renting independently while studying.
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Degree A vs Degree B calculator
Side-by-side comparison of two degrees on cost, study duration, and projected lifetime earnings.
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Debt Burden Ratio calculator
Calculate the share of your income going to debt repayments and where it sits on the healthy-to-critical spectrum.
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GPA Calculator calculator
Weighted GPA across courses with a study-time opportunity-cost overlay for the financial picture of your grades.
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Study Time Planner calculator
Allocate study hours across subjects before exams with feasibility check and study-time opportunity cost.
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Logistics
Inventory Holding Cost calculator
The true cost of holding inventory including capital, storage, insurance, obsolescence, and handling.
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Economic Order Quantity calculator
Find the order size that minimises combined ordering and holding cost.
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Warehouse Cost calculator
Annual warehouse operating cost by rent, utilities, labour, equipment, insurance, and maintenance.
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Shipping Cost Comparison calculator
Compare shipping options on total landed transport cost, including capital tied up in transit.
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Landed Cost calculator
Total landed cost per unit — product, shipping, duty, insurance, broker, and handling fees.
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Compare
Rent vs Buy calculator
Compare the total cost and end-of-period wealth of renting versus buying over time.
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Asset Comparison calculator
Side-by-side comparison of two assets on total cost, income, net return, and ROI.
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Lifetime Cost calculator
Total cost of owning a single asset over its lifetime — purchase, running costs, financing, and resale offset combined.
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Savings Account Comparison calculator
Side-by-side comparison of savings account offers on rate, compounding frequency, and fees over the chosen horizon.
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Lifecycle of Ownership calculator
The lifetime cost of everyday ownership — pets, tech, vehicles, and appliances — including replacement cycles and inflation.
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Investment Scenario Comparison calculator
Compare two or three investment strategies side by side on returns, fees, dividends, and reinvestment.
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Scenario Builder calculator
Build and compare two or three custom financial scenarios — model any what-if decision side by side.
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Optimise
Forecast
Net Worth Projection calculator
Project your assets, debts, and net worth over the coming decades based on savings, growth, and inflation assumptions.
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FIRE Calculator calculator
Project your FIRE (Financial Independence, Retire Early) number, years to financial independence, and Coast FIRE threshold using the 4% rule.
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