Featured calculator
Refinance calculator
Start here to compare repayments, switch costs and refinance savings in one guided flow — the fastest path from calculator to a real home loan comparison.
Open Loans Calculators
Money tools that feel simpler.
Budgeting, borrowing, super and retirement — every tool in one quiet library. Clear inputs, clear answers, no walls of text.
24
Native interactive tools
24
Tools in the library
6
Planning categories
Some calculators are fully interactive Open Loans experiences. Others open a hosted calculator page sourced from MoneySmart, so you can still get the answer without leaving the library.
Banking and budgeting
Open Loans calculator
Budget planner
Map your income, bills, everyday spending and savings in one clear household budget.
Best when you want the full category-by-category picture.
Open Loans calculator
Compound interest calculator
See how an initial balance and regular deposits can grow over time.
Useful for long-term savings and investment planning.
Open Loans calculator
Simple money manager
Check whether money coming in is covering money going out over your chosen period.
Great for a quick cashflow health check.
Open Loans calculator
Savings goals calculator
Estimate how much you could save, how long a target may take, or the monthly amount you need.
Helpful for emergency funds, deposits and travel goals.Work and tax
Open Loans calculator
GST calculator
Add GST, remove GST, and compare before-tax and after-tax prices in seconds.
Handy for invoices, quotes and business costs.
Open Loans calculator
Income tax calculator
Estimate tax, Medicare levy and take-home pay from your income inputs.
Useful when comparing salary, overtime or side income.Loans, credit and debt
Open Loans calculator
Personal loan calculator
Compare repayments, borrowing power and payoff time for a personal loan.
Good for comparing loan sizes and repayment pace.
Open Loans calculator
Payday loan calculator
Work through payday loan fees, repayments and total borrowing cost.
Shows how short-term borrowing costs can add up.
Open Loans calculator
Interest-free deal calculator
Measure the true cost of an interest-free purchase once fees and repayment windows are included.
Useful for checking whether the deal is really cheaper.
Open Loans calculator
Rent vs buy calculator
Compare the cost of a consumer lease with buying outright or borrowing instead.
Helpful for electronics, appliances and other big-ticket items.
Open Loans calculator
Credit card calculator
Estimate payoff time, total interest and the impact of paying more than the minimum.
Good for building a faster debt-payoff plan.
Open Loans calculator
Mortgage calculator
Calculate home loan repayments, borrowing power and payoff time.
Covers the three questions most borrowers ask first.
Open Loans calculator
Interest-only mortgage calculator
See repayments during the interest-only period and what changes afterward.
Useful for understanding the later repayment jump.
Open Loans calculator
Mortgage switching calculator
Compare the cost of switching home loans against the savings you could make.
Ideal for refinancing and switch-cost checks.
Open Loans calculator
Net worth calculator
Add up assets and debts to see your current net worth.
A simple snapshot of where you stand today.Investing and planning
Open Loans calculator
Managed funds fee calculator
Compare how different managed fund fee levels can affect long-term balances.
Shows the long-term impact of fees on growth.Super and retirement
Open Loans calculator
Superannuation calculator
Project super balances with contributions, fees and investment returns.
Helpful for checking whether retirement savings are on track.
Open Loans calculator
Employer contributions calculator
Estimate compulsory employer super contributions from your income and work pattern.
Useful for payslip and super guarantee checks.
Open Loans calculator
Super contributions optimiser
Explore how extra concessional or non-concessional contributions could change your super outcome.
Best for weighing tax savings against take-home pay.
Open Loans calculator
Retirement planner
Plan retirement income, savings runway and Age Pension assumptions in one place.
Useful for testing different retirement income targets.
Open Loans calculator
Super and pension age calculator
Check preservation age and Age Pension age from your date of birth.
A quick way to confirm key retirement age milestones.
Open Loans calculator
Account-based pension calculator
Model withdrawals, minimum pension payments and how long a balance may last.
Useful for balancing income needs with sustainability.
Open Loans calculator
Reverse mortgage calculator
Estimate reverse mortgage balances and remaining home equity over time.
Shows how rates and home value growth can change the outcome.Insurance
Open Loans calculator
Life insurance calculator
Estimate a life insurance amount based on debts, income cover and family needs.
Useful for stress-testing family financial protection.Jump between tools
Browse the full calculator collection
Account-based pension calculator
Model withdrawals, minimum pension payments and how long a balance may last.
Budget planner
Map your income, bills, everyday spending and savings in one clear household budget.
Compound interest calculator
See how an initial balance and regular deposits can grow over time.
Credit card calculator
Estimate payoff time, total interest and the impact of paying more than the minimum.
Employer contributions calculator
Estimate compulsory employer super contributions from your income and work pattern.
GST calculator
Add GST, remove GST, and compare before-tax and after-tax prices in seconds.
Income tax calculator
Estimate tax, Medicare levy and take-home pay from your income inputs.
Interest-free deal calculator
Measure the true cost of an interest-free purchase once fees and repayment windows are included.
Interest-only mortgage calculator
See repayments during the interest-only period and what changes afterward.
Life insurance calculator
Estimate a life insurance amount based on debts, income cover and family needs.
Managed funds fee calculator
Compare how different managed fund fee levels can affect long-term balances.
Mortgage calculator
Calculate home loan repayments, borrowing power and payoff time.
Mortgage switching calculator
Compare the cost of switching home loans against the savings you could make.
Net worth calculator
Add up assets and debts to see your current net worth.
Payday loan calculator
Work through payday loan fees, repayments and total borrowing cost.
Personal loan calculator
Compare repayments, borrowing power and payoff time for a personal loan.
Rent vs buy calculator
Compare the cost of a consumer lease with buying outright or borrowing instead.
Retirement planner
Plan retirement income, savings runway and Age Pension assumptions in one place.
Reverse mortgage calculator
Estimate reverse mortgage balances and remaining home equity over time.
Savings goals calculator
Estimate how much you could save, how long a target may take, or the monthly amount you need.
Simple money manager
Check whether money coming in is covering money going out over your chosen period.
Super and pension age calculator
Check preservation age and Age Pension age from your date of birth.
Super contributions optimiser
Explore how extra concessional or non-concessional contributions could change your super outcome.
Superannuation calculator
Project super balances with contributions, fees and investment returns.