Smarter Lending Calculators

Powerful tools for better borrowing decisions

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Your loan

Loan amount

Interest rate (p.a.)

Loan term

years

Repayment frequency

Upfront fees

Ongoing fee / month

Application, establishment and monthly account/package fees.

Pay it off sooner

Opening offset / redraw balance

Extra repayment / month

Monthly repayment

Total interest & fees$0

Total interest$0

Total payments$0

Balance & total payments over time

With offset & extra repayments

$0Total interest payable

$0Interest saved

$0Total paid over the loan

0Paid off sooner

Estimate only, based on a principal & interest loan with a fixed rate. Interest is calculated on each repayment period and the offset/redraw balance is assumed to stay constant. Actual repayments depend on your lender's terms and do not constitute financial advice. Zuu Money Pty Ltd ABN 66 670 119 105, Australian Credit Licence Number 567690.

Your current debts

Add every debt you want to consolidate – home loans, car loans, personal loans, credit cards and more. Repayments are calculated from the balance, rate and remaining term. Fields marked * are required.

Total debts to refinance$0

Your new consolidated loan

The new loan can be split (e.g. fixed and variable). The splits must add up to your total debts.

New loan fees

Application fee

Other switching fee

Regular loan fee

Regular fee frequency

Application, valuation, settlement and other costs to set up the new loan. These are treated as paid upfront, not added to the loan.

Refinance comparison

–

Total cost difference–

Break-even point–

Switching costs–

Estimate only, for general information. Figures assume principal & interest repayments at a fixed interest rate for the full remaining term, calculated from the balance, rate, payment frequency and term you enter; actual repayments, rates and fees depend on your lenders’ terms and may differ. Credit cards are assumed to be repaid over the remaining term with no new spending. Where the calculator shows the benefit of keeping your current repayment level, it assumes the difference between your current repayments and the new minimum repayment is paid onto the new loan every month. Termination, application and switching fees are treated as paid upfront and are not added to the new loan. The comparison does not include other costs or charges such as government fees, lenders mortgage insurance, fixed-rate break costs, or tax. Consolidating debts into a longer-term loan can lower your repayments but may increase the total interest you pay, and debts such as car loans and credit cards will be secured against your home. The calculator does not consider your personal objectives, financial situation or needs and does not constitute credit advice or a credit offer; approval is subject to lender criteria. Consider whether refinancing is right for you before proceeding. Zuu Money and its related body corporates specifically disclaim any liability or any direct, indirect, incidental, consequential, or special loss and or damages arising out of or in any way connected with the access or use of this calculator. Zuu Money Pty Ltd ABN 66 670 119 105, Australian Credit Licence Number 567690.

Investment property feasibility calculator. See what an investment property could cost you, and what it could earn you, over the years ahead. It’s designed for properties that are, or will be, rented out, and isn’t suitable for a home you live in.

The investment property

Type the address and pick it from the list to see it on a map.

Purchase price & costs

Purchase price *

State / territory

Stamp duty

Mortgage insurance (LMI)

Mortgage registration fee

Legal / conveyancing

Title transfer fee

Other purchase costs

Other costs can include building and pest inspections, loan fees and valuation fees. If your lender adds mortgage insurance to your loan, enter the full loan amount (including it) in the loans section below.

Total purchase cost$0

Loans for this property

Add every loan for this property, including any secured against it. We work out the repayments from the loan amount, interest rate and term. Fields marked * are required.

Total borrowed$0

Rental income

Weekly rent *

Vacancy (weeks a year)

weeks

Ongoing property costs

Enter each cost and how often you pay it.

Agent’s management fee (% of the rent)

Costs in year 1 (not including loans)$0

Growth assumptions

Rent increase (p.a.)

Expense increase (p.a.)

Capital growth (p.a.)

Projection period

These are your own estimates, not forecasts. We assume rent, costs and the property value rise by the same percentage every year.

One-off improvements

Renovations or upgrades you pay for with your own cash. You can also enter how much value each one is expected to add.

Suburb & national benchmarks (optional)

Enter the average rental yield and capital growth for the suburb and for Australia, and we’ll compare them with this property in your results.

Suburb rental yield

Suburb growth (p.a.)

National rental yield

National growth (p.a.)

Leave any box blank to skip it. We don’t check these figures.

Property investment snapshot

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Cash flow break-even–

Cash you put in upfront–

Equity after 10 years–

Estimate only, for general information. Figures are projections based on the amounts and assumptions you enter and are not forecasts or guarantees; actual rent, costs, interest rates and property values will differ. Loan repayments are calculated monthly at the rate you enter for the full term, with principal & interest repayments after any interest-only period; interest-only loans that reach the end of their term are assumed to continue on interest-only repayments. Rent, expenses and capital growth change by the same percentage each year, and rent is reduced by any vacancy allowance. Stamp duty is an amount you enter and is not calculated by this tool, as it depends on the property type, your circumstances and any concessions or surcharges – please confirm it with your state or territory revenue office or conveyancer. Title transfer and mortgage registration fees are amounts you enter and are not calculated by this tool; please confirm them with your conveyancer or lender. Equity is property value less loan balances. Net position excludes selling costs, capital gains tax and all other tax. Tax implications have not been considered in this calculator – income tax, capital gains tax, negative gearing benefits, depreciation and GST have been excluded because they differ for everyone, so please seek tax advice. The map is indicative only. Suburb and national benchmark figures, where shown, are entered by the user and have not been verified by Zuu Money. The calculator does not consider your personal objectives, financial situation or needs and does not constitute credit, financial, tax or investment advice or a credit offer; approval is subject to lender criteria. Zuu Money and its related body corporates specifically disclaim any liability or any direct, indirect, incidental, consequential, or special loss and or damages arising out of or in any way connected with the access or use of this calculator. Zuu Money Pty Ltd ABN 66 670 119 105, Australian Credit Licence Number 567690.