Australian Property Calculators — Free & Instant
Plain-English results for buyers, investors and refinancers. Powered by 2025-26 ATO rates.
Stamp Duty Calculator
Calculate transfer duty for all Australian states with FHB concessions.
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Mortgage Repayment
See your weekly, fortnightly or monthly repayments with full amortisation.
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Take-Home Pay
Calculate after-tax income with tax, Medicare levy, HECS and super.
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Borrowing Power
Estimate your maximum loan using APRA 3% serviceability buffer.
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Rent vs Buy
Compare the total cost of renting vs buying over time. Find your break-even point.
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Offset Account Savings
Calculate how much mortgage interest you save with an offset account.
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Smart Property Tools provides general financial information and calculators only. Results are estimates and do not constitute financial, tax, or legal advice. Always consult a licensed professional.