58 Free Loan Calculators. Pick Yours.
No login required. No email capture. Just open and calculate.
TL;DR — LoanGorilla's Free Calculator Suite
- 58 free loan calculators covering car loans, home loans, personal loans and business loans.
- No login required. No email capture. Just open and calculate.
- You'll find calculators for each of the LoanGorilla verticals Car Loans, Personal Loans, Home Loans & Business Loans
- Results are estimates — always confirm with your lender before making decisions.
Car Loan Calculators (12 Tools)
Car Loan Repayment Calculator
Enter a loan amount, interest rate and term to see your weekly, fortnightly or monthly repayments.
Open CalculatorCar Loan Borrowing Power Calculator
How much can you actually borrow for a car? Enter your income, expenses and existing debts to find out.
Open CalculatorCar Loan Comparison Calculator
Compare two car loan offers side by side. Enter the rate, fees and term for each and see which one costs less.
Open CalculatorUsed Car Loan Calculator
Specifically designed for used car purchases — factors in vehicle age rate brackets and flags lender age restrictions.
Open CalculatorCar Lease vs Buy Calculator
Should you lease or buy? Compare the total cost of ownership vs leasing over the same period.
Coming SoonNovated Lease Calculator
Calculate potential tax savings of a novated lease arrangement, including GST savings and income tax reduction.
Open CalculatorCar Loan Early Repayment Calculator
What happens if you make extra repayments? See how much interest you'll save and how many months you'll cut off.
Open CalculatorCar Loan Refinance Calculator
Already have a car loan? Enter your current loan details and a new rate to see if refinancing would save you money.
Open CalculatorElectric Vehicle Loan Calculator
Compare EV-specific loan products, factor in state rebates and fuel savings, and see the true cost vs petrol.
Open CalculatorNovated Lease vs Car Loan Calculator
Side-by-side comparison of a novated lease vs a standard car loan — including EV FBT exemption, ECM and tax savings.
Open CalculatorBalloon Payment Calculator
See how a balloon (residual) payment lowers your monthly repayments — and what you'll owe at the end of the loan term.
Open CalculatorTrade-In Equity Calculator
Work out the equity (or shortfall) on your current car after settling the existing loan and applying it to your next purchase.
Open CalculatorHome Loan Calculators (18 Tools)
Home Loan Repayment Calculator
Enter your loan amount, rate and term to see repayments. Toggle between principal and interest or interest only.
Open CalculatorBorrowing Power Calculator
How much will a lender actually let you borrow? Factors in income, expenses, existing debts, dependants and lender buffers.
Open CalculatorStamp Duty Calculator
Calculate stamp duty by state and territory. Includes first home buyer concessions and exemptions. Updated for 2026.
Open CalculatorLMI Calculator
Lenders Mortgage Insurance can add tens of thousands. Calculate your LMI based on loan amount, property value and LVR.
Open CalculatorOffset Account Calculator
See how much interest an offset account saves over the life of your loan.
Open CalculatorExtra Repayments Calculator
What if you add $100 a week to your mortgage? See the impact on total interest and loan term.
Open CalculatorRefinance Savings Calculator
Compare your current home loan with a new offer. Factors in break costs, discharge fees and new lender fees.
Open CalculatorDeposit Savings Calculator
How long until you've saved a 10% or 20% deposit? Enter your savings rate and target property price.
Open CalculatorComparison Rate Calculator
See the true cost of a home loan once fees are folded in. Compare advertised rate vs comparison rate side by side.
Open CalculatorRate Change Stress Test Calculator
What happens to your repayments if rates rise 1%? 2%? 3%? Stress-test your budget.
Open CalculatorLVR Calculator
Calculate your loan-to-value ratio to understand deposit requirements and whether LMI applies.
Open CalculatorHome Buying Costs Calculator
Add up the full upfront cost of buying — stamp duty, legals, inspections, LMI and more.
Open CalculatorRedraw Buffer Calculator
See how much of a buffer you've built in redraw and what it means for your repayment flexibility.
Open CalculatorHome Equity Cash-Out Calculator
Estimate how much equity you can pull from your home for renovations, investing or debt consolidation.
Open CalculatorSplit Loan Calculator
Model any fixed/variable split — see combined repayments, total interest, scenario comparison and rate sensitivity.
Open CalculatorProperty Affordability Calculator
Comfortable purchase budget vs lender-assessed maximum — with deposit, LMI, stamp duty and total funds at settlement.
Open CalculatorInterest Only Calculator
IO repayments, the P&I cliff after the IO period ends, and the IO premium vs full P&I from day one.
Open CalculatorRental Yield Calculator
Gross & net rental yield plus cash-on-cash return — for any Australian investment property.
Open CalculatorPersonal Loan Calculators (9 Tools)
Personal Loan Repayment Calculator
Enter amount, rate and term to see your repayments. Simple, fast and covers fixed or variable.
Open CalculatorPersonal Loan Borrowing Power Calculator
How much personal loan can you get? Enter your income and expenses for an estimate.
Open CalculatorPersonal Loan Affordability Calculator
Start from your budget — find the loan amount that fits your life, with a Comfortable/Manageable/Stretched/Risky rating.
Open CalculatorPersonal Loan Comparison Rate Calculator
See the true cost of a personal loan once fees are folded in. Reveals what the advertised rate hides.
Open CalculatorPersonal Loan Comparison Calculator
Compare two personal loan offers side by side. Includes fees, total cost and monthly repayment differences.
Open CalculatorSecured vs Unsecured Tool
Quantify the dollar saving from pledging an asset as security on your personal loan.
Open CalculatorDebt Consolidation Calculator
Enter your existing debts and see whether a single consolidation loan saves money or quietly costs more.
Open CalculatorPersonal Loan Extra Repayments Calculator
Making extra repayments? See how much time and interest you'll save.
Open CalculatorInterest-Cost Timeline Visualiser
Watch cumulative interest build month by month across up to three loan terms. Lump-sum modelling included.
Open CalculatorBusiness Loan Calculators (26 Tools)
Business Term Loan Calculator
Standard repayment calculator for business term loans — see weekly, fortnightly and monthly repayments and total interest.
Open CalculatorSecured Term Loan Calculator
Compare secured vs unsecured business term loan pricing and quantify the rate discount from pledging an asset.
Open CalculatorBusiness Debt Consolidation Calculator
Roll multiple business debts into a single facility and see whether consolidation actually saves money.
Open CalculatorBusiness Borrowing Power Calculator
DSCR (bank) and revenue (non-bank) methods modelled side by side — see your real capacity and which lender type fits.
Open CalculatorEquipment Finance Calculator
Calculate repayments on equipment finance, including chattel mortgage, hire purchase and finance lease.
Open CalculatorInvoice Finance Calculator
See how much working capital you can unlock by financing your outstanding invoices and what it really costs.
Open CalculatorLine of Credit Calculator
Calculate the cost of a business line of credit based on your expected draw-down pattern.
Coming SoonMerchant Cash Advance Calculator
See the true cost of a merchant cash advance in APR terms, including holdback rate impact on cash flow.
Open CalculatorCommercial Property Loan Calculator
Calculate repayments on commercial property purchases.
Coming SoonGST Calculator
Quick GST calculator for business invoicing. Add or remove GST from any amount.
Coming SoonBAS Obligations Calculator
Estimate your quarterly BAS payment based on revenue, expenses and GST collected.
Coming SoonStartup Funding Calculator
How much funding does your startup need? Walk through a structured framework.
Coming SoonOverdraft Cost Calculator
Compare the cost of a business overdraft vs a term loan for bridging cash flow gaps.
Open CalculatorTrade Finance Calculator
Calculate the cost of trade finance for importing goods, including LC fees and FX considerations.
Open CalculatorDebtor Days Calculator
Calculate your average debtor days and see how much working capital is tied up.
Coming SoonBusiness Valuation Estimator
A rough-guide valuation tool using revenue multiples and EBITDA multiples.
Coming SoonAffordability & Loan Stress Test
Will a lender think you can service this debt? Stress-test your serviceability ratio under higher rates.
Open CalculatorWorking Capital Calculator
Calculate your current working capital position and how many months of runway it provides.
Open CalculatorBad Credit Refinance Pathway Tool
Map your credit profile to one of four lender tiers, see the indicative rate range, potential annual saving and a credit rehabilitation timeline.
Open CalculatorDepreciation Calculator
Calculate depreciation on business assets using straight-line or diminishing-value methods.
Coming SoonBusiness Loan Early Repayment Calculator
See the impact of making extra repayments on your business loan.
Coming SoonNot Sure Which Calculator to Use?
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