First Home Buyer Budget Planner
Plan deposit, duty, buying costs and settlement cash in the validated five-sheet budget workbook.
View spreadsheet & downloadFree Calcy Spreadsheets
Free Excel planners for mortgage repayments, extra repayments, offset savings and first home buying costs. No signup or email gate.
Free Excel planners for buying your first home and managing a mortgage. Change your own inputs, inspect the working schedules and keep the files on your device. No signup or email gate.
Buying your first home
Deposit Savings Tracker
Track an Australian home deposit in Excel with monthly savings, a dated one-off contribution, deposit milestones and an optional purchase deadline. Free download.
View spreadsheet & downloadManaging your mortgage
Mortgage Repayment Planner
Free Australian mortgage repayment spreadsheet with monthly, fortnightly and weekly schedules, annual summaries and editable charts. No email required.
View spreadsheet & downloadExtra Repayment & Payoff Planner
Compare no extra, $100, $250, $500, $1,000 a month and a custom scenario in a free Excel mortgage payoff planner. See interest and time saved.
View spreadsheet & downloadOffset Account Savings Planner
Free illustrative offset account spreadsheet for Australia. Compare monthly interest, loan balances and payoff timing with an offset balance and contributions.
View spreadsheet & downloadCompare & improve
Mortgage Comparison Spreadsheet
Compare up to four Australian home loan scenarios in a free Excel spreadsheet. See repayments, five-year balances, interest, fees and lifetime cash outflow.
View spreadsheet & downloadRefinance Break-Even Planner
Compare existing and proposed home loans in Excel. Include switching costs, annual fees, repayment frequencies, break-even timing and one-, three- and five-year differences.
View spreadsheet & downloadFixed sample CSV
Prefer a simple example? The original 12-payment mortgage CSV is a values-only sample and does not recalculate when edited.
Download the secondary mortgage sample CSVIllustrative planning estimates, not personal financial advice. Rates, fees and lender rules can differ. Each workbook explains its assumptions and limitations. Read Calcy’s methodology.
General information and estimates, not personal financial advice. Check assumptions and official sources before making decisions.