Property maths, shown working.
Free Australian calculators for stamp duty, LMI and the real costs of buying — with current 2026–27 rates and every source cited.
- ✓ Verified official rates
- ✓ Every step explained
- ✓ Free, no sign-up
The calculators
Buying a home
Queensland
Stamp duty calculator QLD
Transfer duty with the home concession, both first-home concessions and foreign buyer duty.
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New South Wales
Stamp duty calculator NSW
The FY 2026–27 indexed brackets, the $800,000 first home exemption and premium duty.
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Victoria
Stamp duty calculator VIC
PPR concession, the first home exemption to $600,000 and the 8% foreign purchaser duty.
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All states
LMI calculator
Lenders mortgage insurance from published LVR premium bands, plus your state's duty on it.
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Every state
Car stamp duty calculator
Motor vehicle duty in all 8 states — cylinders, emissions categories, sliding scales and all.
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All states
Upfront costs of buying
Duty, registry fees, LMI, conveyancing and inspections — the total cash you need on the day.
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Every state
Foreign buyer stamp duty
The 7–9% purchaser surcharges on top of duty, plus the federal established-home ban to 2029.
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Home loan tools
Home loans
Mortgage repayment calculator
Monthly, fortnightly or weekly repayments and the total interest over the life of the loan.
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Home loans
Borrowing power calculator
How much you can borrow, the way banks work it out — with the 3% APRA buffer shown.
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Home loans
Offset account calculator
What your offset balance really saves in interest and years — plus the offset vs redraw truth.
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Home loans
Extra repayment calculator
Pay a little more each month or drop in a lump sum — see the years fall off the loan.
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Home loans
Refinance calculator
Monthly saving from a lower rate, break-even on the switch, and the term-reset trap.
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Australia
Bridging loan calculator
Buying before selling — peak debt, bridge interest, and the end debt you keep.
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Home loans
Redraw vs offset
Identical interest saving, different access — and a tax trap if the loan ever turns investment.
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Australia
Rent vs buy calculator
Month-by-month net worth: buying versus renting and investing the difference.
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Investing & tax
Queensland
Land tax calculator QLD
Annual land tax for individuals, companies and trusts — thresholds, brackets and the foreign surcharge.
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New South Wales
Land tax calculator NSW
The frozen $1,075,000 threshold, the premium rate, special trusts and the 5% foreign surcharge.
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Victoria
Land tax calculator VIC
COVID-levy rates from the $50,000 threshold — general, trust and absentee owner schedules.
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Every state
Land tax by state
All seven systems on one value — plus WA, SA, TAS and ACT calculators, and the territory that charges nothing.
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Australia
Negative gearing calculator
The rental loss, the tax back, and the honest after-tax cost per week of holding.
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Australia
Capital gains tax calculator
Cost base, the 50% discount, and the tax it adds at your marginal rate when you sell.
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Verified.
Every rate is checked against the official schedule — the revenue office, the ATO, the insurer — and each page shows its verification date and sources.
Explained.
No black boxes: the brackets, the concessions and a worked example sit right under every result, so you can see exactly how your number was reached.
Current.
Rules changed in 2026 — ACT abolished first-home duty, Queensland locked in its new-home exemption. We track every 1 July reset so you don't calculate on last year's rates.
Built for one job
Tallyroo does Australian property maths — nothing else. Read how the numbers are kept honest on the methodology page.