Numbers you can
actually explore.
Model repayments, interest-only payments, borrowing capacity, deposits, refinancing, loan splits, a complete 30-year daily amortisation schedule, Australian stamp duty and income tax.
Start with the number that matters.
Select a free tool for a quick estimate. Each calculator opens on its own focused page, works on mobile and includes a downloadable Rockvale Finance PDF report.
Mortgage repayments
Estimate principal-and-interest home loan repayments by amount, rate, term and payment frequency.
Borrowing power
Create an indicative borrowing range using household income, living costs and current debts.
Deposit & LVR
Estimate your loan amount, deposit percentage and loan-to-value ratio for a property purchase.
Stamp duty
Estimate standard property transfer duty in every Australian state and territory using 2026 rate tables.
Refinance savings
Compare indicative repayments and interest between an existing rate and a possible new rate.
Extra repayments
Estimate how additional monthly repayments could change loan duration and total interest.
Interest-only
Calculate weekly, fortnightly or monthly interest-only repayments for a manually entered loan amount and rate, plus daily and total interest estimates.
30-year daily amortisation
Build a complete principal-and-interest schedule with weekly, monthly or yearly extra repayments, inspect the balance, interest and principal on any day across up to 30 years, and download every calculated day in a personalised PDF.
Split loan
Model a fixed and variable split across one total home loan balance.
Income tax
Estimate 2026–27 Australian resident income tax, Medicare levy and take-home pay by pay period.
Estimates are educational only. Actual lending, duty and tax outcomes depend on your circumstances and the rules applied by the relevant lender or authority.
Useful numbers. Human context.
Calculators help you frame the question. A complete lender assessment still considers verified income, expenses, debts, policy, fees and the purpose of the loan.
Mortgage repayment calculator
Estimate principal-and-interest repayments using your loan amount, rate, term and preferred frequency.
Download this calculation as a PDF.
The report includes the figures currently shown, Rockvale Finance contact details, the calculation assumptions and an important disclaimer.
Results are estimates only and do not constitute credit, financial, tax or legal advice. They exclude some fees and may use simplified assumptions. Actual repayments, borrowing capacity, tax, costs and eligibility depend on lender or government rules and your complete circumstances.