Calculators

Please enjoy the links to these free tools supplied by MoneySmart.

The results should not be taken as anything more than a general guide.

Finance is a complex area which often require a holistic approach and very specific up-to-date knowledge. Click here to arrange one of our advisors to call to discuss further.

Managing my money

• Manage my budget

• How financially healthy am I?

• What’s my net worth?

• How long will it take me to save?

• How much interest can I earn?

• How much tax will I pay?

Borrowing and credit

• How much can I borrow (home loan)?

• How much are my minimum repayments (home loan)?

• How healthy is my lending situation?

• How much difference will additional repayments make to my home loan balance or loan life?

• How much will an interest free loan cost me (home Loan)?

• How much can I Borrow (Personal Loans/Car Loans)?

• What will my minimum repayments be (Personal Loans including Car Loans)?

• How much difference will additional repayments make to my loan balance or repayment timeframe (Personal Loans)?

• How long will it take to pay off my credit card paying the minimum repayments only?

• How much time and money will I save by making repayments higher than the minimum to my credit card?

• Should I rent, buy or borrow electrical goods or furniture?

• How much do payday loans cost me?

Superannuation

• What income am I likely to have from super and the age pension when I retire?

• How will contributions, investment options, fees and the age I choose to retirement age affect my retirement income from super?

• Am I better off putting spare money into my super or my mortgage?

• Which type of super contribution will give my super the biggest boost?

• Is my employer contributing the correct amount to my super per month?

• How much will working part-time or taking a break from paid work affects my super?

Retirement

• How much super am I likely to have accumulated by my retirement?

• What age can I access my super or receive the age based pension?

• If apply for a reverse mortgage how much will my debt will increase over time and what will this mean for the equity in my home?

• How long will my account based pension last?

Investment

• How much could my managed fund be worth in the future?

• How can the amount I borrow can affect my potential gains and losses