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Financial

Affordability, debt, savings, cashflow, and comparison calculators.

Business

Pricing, margin, break-even, and valuation tools for operators.

Property

Rental ROI, cap rate, cashflow, and renovation return calculators.

Tax

Australian tax estimates, GST set-asides, and BAS cashflow tools.

Freelancers

Rates, project pricing, utilisation, scope buffers, and deposits.

Trades

Quote estimators for labour, materials, overhead, risk, and GST.

Featured calculators

Home Loan Reality Calculator

Stress-test a home loan against income, expenses, rate rises, and a safer purchase price.

Pricing & Margin Decision Calculator

Set a price that protects margin, covers fixed costs, and tests competitor pressure.

Rental Property ROI Calculator

Compare rental yield, cap rate, cashflow, debt service, and cash-on-cash return.

Australian Tax Estimate Calculator

Estimate Australian resident income tax, Medicare levy, PAYG gap, and take-home pay.

Freelance Rate Reality Calculator

Calculate the hourly or day rate needed after tax, expenses, leave, and non-billable time.

Trade Quote Estimator

Build a quote from labour, materials, equipment, overhead, contingency, margin, and GST.

Home/Financial/Loan Comparison Calculator

Comparison

Loan Comparison Calculator

Use this for home loans, car loans, personal loans, or business loans when two offers look close on headline rate but differ in fees and term.

Decision report included

Review the decision summary, key metrics, assumptions, and action items, then create a printable report for a lender, broker, household, or client discussion.

Use the report to document the scenario, explain the tradeoff, and agree on the next action.

Inputs

Enter your scenario.

Decision Summary

Better loan recommendation

Loan B

Loan B has the lower estimated total cost by $15,322 under the current assumptions.

Decision index

Watch
Planreview

Key metric comparison

Monthly repayment difference$69
Total interest difference$17,322
Total cost difference$15,322
Break-even point2 years 6 months
Loan A total cost$826,727

Monthly repayment difference

Watch

$69

Positive means Loan A costs more per month; negative means Loan B costs more.

Total interest difference

Watch

$17,322

Positive means Loan A pays more interest; negative means Loan B pays more.

Total cost difference

Watch

$15,322

Positive means Loan A costs more overall; negative means Loan B costs more.

Break-even point

Watch

2 years 6 months

Approximate time for monthly savings to offset the upfront fee difference.

Loan A total cost

Watch

$826,727

Repayments plus fees for Loan A.

Loan B total cost

Watch

$811,405

Repayments plus fees for Loan B.

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Assumptions

Review the assumptions behind the result.

  • Both loans are modelled as amortising loans with monthly repayments.
  • Fees are added to total cost, not financed into the loan balance.
  • Extra repayments are applied equally to both loans for a fair comparison.

How To Use The Result

Turn the output into a practical next step.

  • Compare total cost rather than rate alone.
  • Use break-even when the cheaper monthly option has higher upfront fees.
  • Save the report when discussing two lender offers.

Related Tools

Compare another decision before you commit.

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Home Loans

Home Loan Reality Calculator

Stress-test a home loan against income, expenses, rate rises, and a safer purchase price.

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Home Loans

Refinance Decision Calculator

Compare refinance savings after switching fees, cashback, break-even timing, and holding period.

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Comparison

Pay Extra or Invest Calculator

Compare extra debt repayments against investing after tax and risk adjustment.

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