Calculators and tools
            From home loan calculators to savings planners, our calculator and tools make it easy to manage your finances in minutes.
            
                
            
           
         
    
    
    
    
    
        
Calculators and tools
        Quick and easy to use – our online calculators and tools will give you the information you need, in a matter of minutes.
    
	
		Home loans
		
					
				
					
							
	
	
		
			
			Home loan repayments
			
				
				Use our calculator to find out which home loan works best for you. It helps you know how your repayments will be structured.
			 
		 
		
	 
 
						
							
	
	
		
			
			Refinance comparison
			
				
				Use our calculator to compare two different loan options and determine which will benefit you the most
			 
		 
		
	 
 
						
							
	
	
		
			
			Extra home loan repayments
			
				
				Calculate the amount of interest you could save and how long it takes to repay the loan by making regular additional contributions.
			 
		 
		
	 
 
						
				
					
							
	
	
		
			
			Borrowing power
			
				
				Get an approximate idea of what you could be eligible to borrow on your home loan.
			 
		 
		
	 
 
						
							
	
	
		
			
			Lump sum repayments
			
				
				Calculate your estimated saving by making extra lump sum contribution.
			 
		 
		
	 
 
						
							
	
	
		
			
			Home loan key facts sheet
			
				
				Use our key facts sheet to compare the home loan options in one place.
			 
		 
		
	 
 
						
				
					
							
	
	
		
			
			Stamp duty
			
				
				Calculate your estimated stamp duty, which is paid on top of the price of your home and can have a significant impact on the overall cost of your property.
			 
		 
		
	 
 
						
							
	
	
		
			
			Split home loan
			
				
				Calculate your estimated saving by splitting your loan between a fixed or a variable rate.
			 
		 
		
	 
 
						
							
	
	
		
			
			Mortgage offset
			
				
				Calculate how much an offset account could save you in interest over the life of your home loan.
			 
		 
		
	 
 
						
				
					
							
	
	
		
			
			Helia lenders mortgage insurance toolkit
			
				
				The toolkit explains LMI and the general process of buying a home.
			 
		 
		
	 
 
						
							
						
							
						
				
					 
				
	 
	
		Tax, budget and currency
		
					
				
					
							
	
	
		
			
			Income tax
			
				
				Use our calculator to find out which tax threshold you occupy, and approximately how much tax you’ll pay according to your income. 
			 
		 
		
	 
 
						
							
	
	
		
			
			Budget planner
			
				
				Visualise how small changes to your spending habits can make a big difference to your savings and financial goals.
			 
		 
		
	 
 
						
							
	
	
		
			
			Currency converter
			
				
				Convert major foreign currencies to and from Australian dollars.
			 
		 
		
	 
 
						
				
					 
				
	 
	
		Savings and term deposits
		
					
				
					
							
	
	
		
			
			Savings planner
			
				
				Our calculator helps you visualise what your savings balance could look like in a matter of years with regular deposits.
			 
		 
		
	 
 
						
							
	
	
		
			
			Term deposit
			
				
				Use our calculator to determine how higher interest rates on a term deposit can benefit you.
			 
		 
		
	 
 
						
							
						
				
					 
				
	 
	
		Other loans and credit cards
		
					
				
					
							
	
	
		
			
			Personal loan repayments 
			
				
				Use our calculator to budget for what your loan repayments might be, and consolidate your debts.
			 
		 
		
	 
 
						
							
	
	
		
			
			Credit card repayments 
			
				
				Use our calculator to check your minimum repayment time and how much you can save making higher monthly repayments.
			 
		 
		
	 
 
						
							
	
	
		
			
			Car loan repayments
			
				
				Use our calculator to find out how much your car loan will cost and how much you will pay in interest over the life of the loan.