Finance Calculator+
Free on iOS & Android
30+ Australian financial calculators in your pocket. From borrowing power to stamp duty, LMI to offset account savings — plus a best-in-class scientific calculator with RPN mode.
Loan Calculators
The tools borrowers use most — from working out repayments to understanding how much you can borrow.
Mortgage Repayment
Calculate home loan repayments for any rate, term and amount. See principal vs interest breakdown.
Borrowing Power
Find out how much you can borrow based on your income, expenses and existing debts.
Car Loan
Vehicle finance repayments with balloon payment and trade-in options.
Personal Loan
Estimate repayments for secured and unsecured personal loans.
Loan Servicing
Full lender-style serviceability assessment using HEM benchmarks — the same test lenders run.
Comparison Rate
Calculate the true cost of a loan including all fees and charges — not just the headline rate.
Property & Buying
Everything you need before you buy — stamp duty, LMI, investment analysis and the rent vs buy question.
Stamp Duty
State-by-state stamp duty calculations including first home buyer concessions and exemptions.
LMI Estimator
Estimate Lenders Mortgage Insurance costs for deposits under 20%.
Investment Property
Rental yield analysis, negative gearing benefits and return on investment.
Rent vs Buy
Compare the long-term cost of renting versus buying — including opportunity cost of your deposit.
Savings & Repayment Strategies
Already have a loan? These calculators show you how to pay it off faster and save thousands in interest.
Extra Repayments
See how much interest you save and how many years you cut by paying extra each month.
Offset Account
Calculate interest savings from keeping money in your offset instead of a savings account.
Refinancing
Should you refinance? Compare your current loan against a new one including break costs.
Credit Card Payoff
How long to pay off your credit card and how much interest you'll pay at minimum repayments.
Tax & Super
Australian tax calculators — income tax, GST, HECS-HELP repayments and superannuation projections.
Income Tax
Australian income tax calculator with Medicare levy, LMITO and tax offsets.
HECS-HELP
Student loan compulsory repayment estimator based on your income.
GST Calculator
Add or remove 10% GST instantly.
Superannuation
Retirement savings projection with employer contributions and salary sacrifice.
Financial Planning
Plan your savings, track your budget and monitor interest rate movements.
Compound Interest
See the power of compounding over time with regular contributions.
Savings Goal
How much to save each week or month to hit your target by a specific date.
Budget Planner
Track income and expenses to find how much you can afford for repayments.
Rate Tracker
RBA cash rate, home loan rates and market rates with historical trends.
Scientific Calculator with RPN Mode
Reverse Polish Notation — the way HP calculators changed finance
What is RPN?
RPN (Reverse Polish Notation) eliminates the need for parentheses by using a stack-based approach. You enter numbers first, then the operation. It's faster, less error-prone, and the preferred method for financial professionals who grew up on HP 12C calculators.
Why RPN beats algebraic for complex calculations
In algebraic mode, you need to think about parentheses and order of operations. With RPN, you build up results step by step — each intermediate value stays on the stack where you can see it. No brackets, no guessing about operator precedence, no “did I close that parenthesis?” moments.
Example: Monthly mortgage payment
Calculate the monthly repayment on a $650,000 loan at 5.99% over 30 years:
// Algebraic mode — nested brackets nightmare:
650000 * (0.0599/12 * (1+0.0599/12)^360) / ((1+0.0599/12)^360 - 1)
// RPN mode — step by step, no brackets:
0.0599 ENTER 12 ÷ → 0.004992
1 + → 1.004992
360 y^x → 6.0058
ENTER (duplicate)
1 − → 5.0058
1/x → 0.19977
× (× the 6.0058)
0.0599 ENTER 12 ÷ ×
650000 ×
= $3,891.09/month
Every intermediate result is visible on the stack. No nested brackets. No wondering if you got the order right.
Professional & Advanced
Tools for finance professionals, students and anyone who needs more than the basics.
AmortPro
Professional amortisation tool — solve for any unknown variable with cash flow events, rate changes and irregular payments.
Scientific Calculator
Full scientific calculator with RPN (Reverse Polish Notation) mode for finance professionals.
Graphing Calculator
Plot mathematical functions and visualise equations interactively.
3D Graphing
Plot 3D surfaces from f(x,y) equations with rotation and zoom.
Equation Solver
Solve systems of linear and non-linear equations numerically.
Everyday Utilities
Handy tools you'll reach for every day — currency, units, dates and more.
Tip Calculator
Split bills and calculate tips for any group size.
Currency Converter
Convert between 150+ world currencies with live rates.
Unit Converter
Length, mass, area, volume, time and data conversions.
Date Calculator
Date difference, add/subtract days, business day calculations.
Base Converter
Binary, octal, decimal and hexadecimal with arithmetic.
Password Generator
Generate strong random passwords and secure numbers.
万年历 Chinese Calendar
Lunar calendar with zodiac, 天干地支 and 节气.
What people are saying
“This app is so well designed and made. So easy to use.”
App Store review
“Initial feedback... love it!”
Whirlpool forum
“Thank you for the tool, quite useful. Gonna replace my stock calculator.”
Whirlpool forum
“Jokuda, I take my hat off to you, you have done an amazing job. What a great tool.”
Whirlpool forum