🇦🇺 Independent Australian finance tools · Data sourced from the RBA & ASIC MoneySmart · Updated June 2026

Every Australian finance calculator, in one place.

Free, accurate tools for the decisions that actually cost money — what you can borrow, what stamp duty you'll pay, what a loan really costs, and what you keep after tax. Built for Australian rates and rules, updated for 2026.

Explore calculators → Borrowing Power Calculator
✓ Current RBA rates ✓ All states & territories ✓ No sign-up ✓ Sources cited
RBA Cash Rate
4.35%
Effective 6 May 2026
Inflation (CPI)
4.2%
Year to April 2026
Next RBA Decision
16 Jun 2026
Board meeting & rate call
Rate Trend
Tightening
3 hikes in 2026 YTD
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Choose your calculator

Nine free tools grouped by what you're trying to work out. Each shows current rates, a full breakdown, and the assumptions behind the numbers.

🏛 Ready to act on the numbers?

Once you know your borrowing power or repayments, the next step is comparing real offers. Get matched with current Australian home loan and personal loan options through our comparison partner.

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We may earn a referral fee if you proceed through a partner link. This never changes the rate or terms you're offered, and we only feature licensed Australian providers. ozfinancecalc.com.au provides general information and calculators only — not financial or credit advice.
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Why use ozfinancecalc

Built on real data

Rates and thresholds are drawn from the RBA, ASIC MoneySmart and the ATO — and dated so you know how current they are.

Australian rules, not generic maths

State-by-state stamp duty, 2025–26 tax brackets, the Medicare levy and the CGT discount are built in.

Clear about assumptions

Every calculator shows the formula and limits behind the result, so you can sense-check it.

Free and private

No login, no selling your personal numbers. The tools run in your browser.

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Common questions

Are these calculators free?
Yes — every calculator on ozfinancecalc.com.au is free with no sign-up. The site is supported by advertising and by referral fees when you choose to compare products through a partner.
How current are the interest rates?
The headline figures reflect the RBA cash rate of 4.35% effective 6 May 2026 and CPI of 4.2% for the year to April 2026. The next RBA decision is 16 June 2026. We review rates regularly and date every figure.
Is this financial advice?
No. ozfinancecalc.com.au provides general information and estimates only. It doesn't take your personal circumstances into account and isn't financial or credit advice. For advice specific to you, speak to a licensed adviser or mortgage broker.
How accurate are the results?
The calculators use standard formulas (amortisation, ATO tax scales, state duty schedules) and are accurate for the inputs you provide. Real-world figures vary with lender fees, comparison rates, rounding and individual assessment, so treat results as a close estimate.
Reviewed by the ozfinancecalc.com.au editorial team · Last reviewed June 2026 · Sources: RBA cash rate, ASIC MoneySmart, ATO.