Tools - Encharge Capital

Plan Smarter with Our Free Australian Loan Calculators

Finance Tools & Calculators

Loan Repayment Calculator

Plan your monthly repayments with ease using our Loan Repayment Calculator.
This tool helps you estimate how much you’ll pay each week, fortnight, or month on your home loan based on your loan amount, interest rate, and loan term. It’s perfect for first home buyers, refinancers, or investors who want to get a clear picture of their future financial commitments.

How to Use:
Simply enter your total loan amount, interest rate, loan term, and repayment frequency. The calculator will instantly show you the estimated repayment amount — helping you budget confidently before applying for a loan.

Borrowing Power Calculator

Find out how much you can borrow for a home or investment property.
This tool assesses your income, living expenses, debts, and financial situation to give you an estimate of your borrowing capacity. It’s ideal for first home buyers or anyone planning to buy a new home or investment property.

How to Use:
Enter your income, monthly expenses, existing debts, and deposit amount. The calculator will estimate how much you may be able to borrow — so you can start your property search with confidence.

Interest-Only Mortgage Calculator

Compare interest-only and principal-and-interest repayments to manage your cash flow.
This tool is useful for property investors or borrowers who want to reduce upfront repayments by opting for an interest-only period on their loan.

How to Use:
Enter your loan amount, term, interest rate, and how long you plan to pay interest-only. The calculator will show you the difference in monthly repayments and help you decide what’s right for your budget and strategy.

Stamp Duty Calculator

Estimate your government stamp duty fees before you buy a property.
Stamp duty varies by state and depends on the purchase price, buyer type (e.g., first home buyer), and property use. This calculator gives you a fast, accurate estimate — helping you avoid surprise costs at settlement.

How to Use:
Select your state, property type, and purchase price. The calculator will instantly display the stamp duty payable — including concessions or exemptions if you’re a first home buyer.