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Loan & Finance Calculators

Get a clearer picture of repayments, borrowing power and potential savings before you talk to a broker. Every calculator below is compared across our panel of 40+ lenders, Australia-wide.

Pick a Calculator

Choose the finance type below to estimate repayments, borrowing capacity or savings. Each card opens on the matching solutions page, where you’ll find the calculator plus more detail and a way to get in touch.

Buying a House

Estimate costs and repayments as you move from search to settlement.

First Home Buyers

Work out borrowing power, deposits and grants for your first purchase.

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Refinancing

See how much you could save by switching to a more competitive rate.

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Investment Loans

Model repayments for building or growing a property portfolio.

Car Finance

Calculate repayments on a new or used vehicle loan.

Personal Loans

Estimate repayments for personal expenses outside a mortgage.

Debt Consolidation

See potential savings from rolling debts into one lower rate.

Asset Finance

Work out repayments for business or personal asset finance.

How Much Can I Borrow?

Estimate your borrowing power in a couple of minutes — using the Household Expenditure Measure (HEM), a serviceability buffer and the same building blocks lenders use to assess how much you could borrow.

Applicant Details

Household Income (gross, before tax)

$
$
Shaded at 80% to reflect typical lender treatment
$
$

Living Expenses & Existing Commitments

$
We'll use whichever is higher — your figure or the HEM benchmark for your household
$
Assessed at 3.8% of the limit per month, even if paid off in full
$
$

Loan Details

We add a serviceability buffer on top, in line with APRA guidance
Please enter at least one applicant's annual income before calculating.
Estimated Borrowing Power
$0
See how we calculated this
Net household incomeAfter estimated tax, Medicare levy and any HECS/HELP repayments
$0/mth
Living expenses usedHigher of your figure and the HEM benchmark
$0/mth
Existing debt commitmentsHome loan, other loans and credit cards at 3.8% of limit
$0/mth
Surplus available for a new loan repayment
$0/mth
Assessment (stress-test) rateYour rate plus a serviceability buffer, floored at a lender minimum
0.00%

This is an estimate only, not a loan approval or offer of credit. It uses publicly available methodology — marginal tax rates, the Household Expenditure Measure (HEM) used across the home loan industry, and an APRA-style serviceability buffer — modelled on how lenders such as CommBank, Westpac, NAB and ANZ assess borrowing power, and on guidance from moneysmart.gov.au. Actual borrowing capacity depends on the lender's own policies, your full financial position and their credit assessment. Talk to a Click Financial broker to see what's really available to you →

Why Use Our Calculators

Each calculator gives you an estimate based on the figures you enter — a useful starting point, not a loan approval. Actual rates, fees and borrowing capacity depend on your individual circumstances and the lender’s own assessment, and can vary across our panel of 40+ lenders.

Once you have a number in mind, one of our brokers can compare it against real options and confirm what’s realistically available to you — at no cost.

Ready to see real numbers?

Get in touch for a no-obligation chat about your finances.

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