Are Propvia's calculators free to use?

Yes. All calculators — mortgage repayment, stamp duty, savings goals, personal loan, budget planner, and retirement planner — are free, require no login, and use Australian dollars and Australian-specific rules.

How is stamp duty calculated in Australia?

Stamp duty (transfer duty) is a state-government tax on the dutiable value of a property, calculated on a sliding scale that varies by state. First-home buyers, owner-occupiers, off-the-plan purchases, and pensioners may qualify for concessions or full exemptions. The Propvia calculator applies state-specific rates and concessions.

How much deposit do I need to buy a home in Australia?

Most lenders require a 20% deposit to avoid Lenders Mortgage Insurance (LMI). With less than 20%, LMI applies. Eligible first-home buyers can use the federal Home Guarantee Scheme to buy with as little as 5% deposit (2% for single parents) without LMI.

What interest rate should I use in the mortgage calculator?

Use the variable rate quoted by your lender, or the average owner-occupied variable rate published by the Reserve Bank of Australia (around 6.0–6.5% in 2026 for owner-occupier loans). The calculator updates monthly repayments and total interest in real time.

Financial Calculators

Plan your finances with our free Australian calculators

Mortgage Repayment

Estimate your monthly repayments

Loan Amount ($)

Interest Rate (%)

Loan Term (years)

Monthly Repayment$3,062

Total Interest$602,444

Total Repayment$1,102,444

Stamp Duty Estimator

Estimate transfer duty by state

Property Value ($)

State / Territory

First home buyer

Estimated Stamp Duty$28,963

* This is an estimate only. Actual duty may vary. Consult your conveyancer for exact figures.

Savings Goal

How much to save each month

Goal Amount ($)

Current Savings ($)

Timeframe (years)

Interest Rate (%)

Monthly Deposit$651

Total Interest Earned$5,914

Amount to Save$45,000

Personal Loan

Estimate personal loan repayments

Loan Amount ($)

Interest Rate (%)

Loan Term (years)

Monthly Repayment$410

Total Interest$4,620

Total Repayment$24,620

Budget Planner

Track income vs. expenses

Monthly Income ($)

Monthly Expenses

Housing / Rent

Food & Groceries

Transport

Utilities & Bills

Insurance

Entertainment

Other

Total Expenses$4,000

Remaining$2,000

Savings Rate33.3%

Retirement Planner

Project your superannuation balance

Current Age

Retirement Age

Current Super ($)

Annual Salary ($)

Employer Rate (%)

Extra Monthly ($)

Growth Rate (%)

Projected Balance$3,021,369

Total Contributions$531,750

Investment Growth$2,489,619

* Projection assumes constant growth and contributions. Actual returns will vary.

Financial Calculators

Frequently asked questions

Are Propvia's calculators free to use?

How is stamp duty calculated in Australia?

How much deposit do I need to buy a home in Australia?

What interest rate should I use in the mortgage calculator?