Your Australian mortgage toolkit
Calculate home loan repayments, stamp duty, borrowing power and LMI for free. All 8 Australian states. Updated with current RBA rates. No sign-up required.
Frequently asked questions
How accurate is the mortgage calculator?
Calcy's mortgage calculator uses your loan amount, interest rate, and loan term to calculate principal and interest repayments. Results are estimates — your actual repayments may vary based on your lender's fees and rate adjustments.
Does Calcy cover all Australian states?
Yes. Calcy supports all 8 Australian states and territories for stamp duty calculations, including state-specific first home buyer exemptions and concessions.
Is Calcy free to use?
Yes, all Calcy calculators are completely free. No account, no email address, and no subscription required.
What is the current RBA cash rate?
The RBA cash rate is 4.60%, effective 30 September 2026 and checked on 14 October 2026. Check the RBA for subsequent decisions.
What is LMI?
Lender's Mortgage Insurance (LMI) is a one-off insurance premium that a lender may require when your deposit is less than 20% of the property value. It protects the lender — not you — if you default on the loan.
General information and estimates, not personal financial advice. Check assumptions and official sources before making decisions.