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Mortgage & Loan Calculator AU app icon

Mortgage & Loan Calculator AU

Formerly Finance Calculator+ · Free on iPhone and Android

Work out home loan repayments, borrowing power and stamp duty for any state, then check LMI, offset savings and refinancing. 38 calculators and tools in one app. Free, with no ads and no sign-up.

Download on the App StoreGet it on Google Play
QR code linking to https://jokuda.com/app?src=qr_fc_heroScan to get the app

Use the calculators on the web

38 calculators and tools · Built for Australian rules · Free, no ads · No sign-up · Most work offline

Supports iPhone Duo in the latest version (1.7.0).

App Store5.0 · 3 ratingsGoogle Play5.0 · 7 reviews

Ratings as of 24 Oct 2026

App Store listing screenshot of Mortgage Repayment. The screen shows a monthly repayment of $3,070, an interest rate of 6.50 percent per annum and a comparison rate of 6.70 percent per annum.

Home loan and mortgage calculators

App Store listing screenshot of Borrowing Power. The screen shows an estimate of $238,000, household income of $120,000, one dependant and monthly expenses of $5,400.

Borrowing Power

Estimate how much you might be able to borrow.

App Store listing screenshot of Extra Repayments. The screen shows interest saved of $117,720 on a $500,000 loan with $200 extra each month, paid off 4 years and 8 months earlier.

Extra Repayments

See the interest and time you could save by paying more.

App Store listing screenshot of Rate Tracker. The screen shows the RBA cash rate card and a your-loan block.

Rate Tracker

Follow the RBA cash rate and recent home loan rate moves. Needs internet.

App Store listing screenshot of the Mortgage & Loan Calculator AU home screen, with Mortgage Repayment, Borrowing Power, Stamp Duty and Bridging Loan pinned.

All calculators

38 calculators and tools

1 / 4

38 calculators and tools

AllHome loansBuying propertyPay your loan off soonerMore repayment calculatorsTax, super and incomeSavings and planningProfessional toolsEveryday tools

Home loan and mortgage calculators (5)

The tools home buyers reach for first: what the repayments will be, and how much a lender might let you borrow.

Buying property: stamp duty, LMI and rent vs buy (4)

The costs to plan for before you buy: stamp duty in every state and territory, LMI if your deposit is under 20 per cent, and the long-term rent vs buy question.

Pay your loan off sooner (4)

Already paying a loan? See how extra repayments, an offset account or a refinance could change the interest and the years left.

More repayment calculators (4)

Repayment estimates for vehicles, novated leases, fixed-term loans and invoice factoring.

Tax, super and income (4)

Income tax, HECS-HELP, GST and super, using Australian rules for the current financial year.

Savings and planning (5)

Set a savings target, plan a budget and see what compounding does over time. The Rate Tracker keeps an eye on the RBA cash rate.

Professional tools: AmortPro, RPN and graphing (5)

For brokers, accountants, students and anyone who wants more than the basics.

What is RPN?

RPN (Reverse Polish Notation) is a way of entering calculations without brackets. You key in the numbers first, then the operation, and each step's result waits on a stack where you can see it. It's how the HP 12C works, and a lot of finance people still prefer it.

Why some people prefer RPN

With the usual algebraic entry you have to keep track of brackets and the order of operations. With RPN you build the answer one step at a time, and every result along the way stays on screen. There are fewer keystrokes and fewer chances to lose your place.

Example: deposit and LVR in four steps

Illustrative example

Price $650,000, deposit $130,000. What's the loan amount and the loan-to-value ratio?

650000  ENTER
130000  −        → 520,000   (loan amount)
650000  ÷        → 0.8       (LVR of 80 per cent)

Each result stays on the stack, so you can carry on to the next step without re-entering anything.

Everyday tools (7)

Handy tools for the rest of the day: currency, units, dates and more.

Why Mortgage & Loan Calculator AU

  • Free, start to finish.

    No ads, no subscriptions, no in-app purchases and no sign-up.

  • Built for Australia.

    Stamp duty for all eight states and territories, HEM-based servicing, HECS-HELP and Australian tax rules.

  • Works without signal.

    Most calculators work offline, which helps at an open home or an auction.

  • Shareable results.

    Export mortgage results as a PDF to send to your partner or broker.

  • Private by design.

    Both store listings declare that the app collects no data.

  • Help if you want it.

    Several calculators link to jokuda.com if you'd like to talk to a broker. You never have to.

Mortgage & Loan Calculator AU questions

What is Mortgage & Loan Calculator AU?

Mortgage & Loan Calculator AU is a free calculator app for Australians from Jokuda Pty Ltd, a Sydney finance broker. It estimates home loan repayments, borrowing power, stamp duty, LMI and more, with 38 calculators and tools in one app. In the App Store and Google Play it's listed as Mortgage & Loan Calculator AU.

Is Mortgage & Loan Calculator AU free, and does it have ads?

Yes, Mortgage & Loan Calculator AU is free to download and use on iPhone and Android. There are no ads, no subscriptions, no in-app purchases and no sign-up, and every calculator is available from the first launch. Some calculators link to jokuda.com in case you'd like to talk to a broker, but that's optional.

Which calculators are in Mortgage & Loan Calculator AU?

Mortgage & Loan Calculator AU has 38 calculators and tools. Home loan tools include mortgage repayments, borrowing power, loan servicing, extra repayments, offset, refinancing, comparison rate and bridging. For buying property there's stamp duty, LMI, rent vs buy and investment property. It also covers income tax, HECS-HELP, super, AmortPro and an RPN scientific calculator.

Does the Mortgage & Loan Calculator AU stamp duty calculator cover every state?

Yes. The stamp duty calculator in Mortgage & Loan Calculator AU covers all eight states and territories: NSW, VIC, QLD, WA, SA, TAS, ACT and NT. It includes first home buyer concessions and exemptions. Results are estimates, so confirm the final duty with your state revenue office or conveyancer before you sign a contract.

Does Mortgage & Loan Calculator AU work offline?

Most calculators in Mortgage & Loan Calculator AU work offline, so you can run the numbers at an open home or auction without mobile signal. The features that use live data need an internet connection. These are the Rate Tracker, which follows the RBA cash rate and home loan rates, and the live exchange rates in the currency converter.

Does Mortgage & Loan Calculator AU support iPhone Duo?

Yes. Mortgage & Loan Calculator AU supports iPhone Duo in the latest version (1.7.0), so the app adjusts to both the inner and outer displays. Update the app from the App Store to get it. Android does not have iPhone Duo. The calculators are the same on every iPhone, iPad and Android phone, and the app is still free with no ads.

Is Mortgage & Loan Calculator AU on Android and iPhone?

Yes. Mortgage & Loan Calculator AU is on the App Store for iPhone and iPad running iOS 15.1 or later, and on Google Play for Android. Search for Mortgage & Loan Calculator AU in either store, or use the download links on this page. It's free on both platforms, with the same calculators.

What data does Mortgage & Loan Calculator AU collect?

Both the App Store and Google Play listings for Mortgage & Loan Calculator AU state that the app collects no data. There's no account or sign-up, and you don't need to enter your name, email or bank details to use any calculator. If you follow a link to jokuda.com, the Jokuda website privacy policy applies there.

Is Mortgage & Loan Calculator AU financial advice?

No. Results from Mortgage & Loan Calculator AU are estimates for general information only. They don't take your objectives, financial situation or needs into account, and they aren't a credit assessment or a loan offer. Jokuda Pty Ltd holds Australian credit licence 573020. Speak to a licensed broker or adviser before making a decision.

What name appears on the home screen?

The home screen name is Mortgage & Loan Calculator AU, the same name as the App Store and Google Play listings.

Mortgage & Loan Calculator AU app icon

Download Mortgage & Loan Calculator AU

Free on iPhone, iPad and Android. No ads, no account, no in-app purchases.

Look for Mortgage & Loan Calculator AU by Jokuda Pty Ltd.

Download on the App StoreGet it on Google Play
QR code linking to https://jokuda.com/app?src=qr_fc_ctaScan to get the app

Calculator results are estimates for general information only. They don't take your objectives, financial situation or needs into account, and they aren't financial advice, a credit assessment or a loan offer. Check your situation with a licensed professional before you decide. Jokuda Pty Ltd, ABN 53 684 590 609, Australian credit licence 573020.

What people are saying

  • ★★★★★

    Exceptional app made for Australians, who are looking to get various types of financial calculators from stamp duty, mortgage repayments to tax calculators. It also lets you save your favourite so you don't need to look through all 30+ calculators every time you open app!

    DG · Google Play · 20/09/2026

  • ★★★★★

    So handy!

    I love how there are so many functions in this app, and the layout is very straightforward

    potatelyn_987 · App Store · 12/05/2026

  • ★★★★★

    This is a great app!

    The app is so well designed and made. So easy to use. Thank you

    C2IIqq · App Store · 10/04/2026

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