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Estimate loan repayments, affordability & budgets. A calculator, not advice.
Loan Affordability Calculator helps you estimate loan repayments and see how a new loan might fit alongside your income and everyday expenses — all on your device, with no account required. It is a calculator and planning tool. It does not offer, arrange, broker, or recommend any loan or financial product, and it does not connect you with lenders. Every figure it shows is an estimate based on the information you enter, for general information only — not financial advice. WHAT YOU CAN DO - Estimate loan repayments from the amount, interest rate and term you enter - See an estimated monthly position once your income and expenses are included - Track income and expenses across different frequencies (weekly, fortnightly, monthly, yearly) - Build a simple budget and see where your money goes - Explore "what-if" scenarios: test an interest-rate rise, add extra repayments, or change repayment frequency to see the estimated impact - Get an optional stamp duty estimate for Australian property purchases - Read plain-language insights about your estimated affordability - Export a PDF summary of your figures to keep or share - Choose your currency, pick from several themes, and set your preferred font PRIVATE BY DESIGN - The income, expense and loan figures you enter stay on your device - No account, no sign-in, and no advertising or cross-app tracking - Crash and diagnostic reports (via Sentry) help us fix problems; they do not include the figures you enter - View the in-app Privacy Policy and Disclaimer any time from Settings IMPORTANT This app provides estimates for general informational purposes only. It is not financial, legal or tax advice, and it is not an offer of any loan, credit or other financial product. Results depend on the information you enter and may differ from figures provided by a lender or adviser. Always consult a qualified financial professional before making any financial decision.