Finance utility
Mortgage payment planner
Region-aware planner: Australia (state stamp duty tiers, indicative LMI, RBA reference) or United States (state property-tax estimates, PMI by credit tier, Freddie Mac reference). Amortisation uses cent rounding each period (nominal annual rate ÷ payments per year). Not a loan approval—verify with your lender and official revenue sites.
Market reference (read-only; with sources)
Loan setup (feeds Scenario A)
Adjusts Amortisation (years) under Scenario A.
Include stamp / conveyancing here if you want them in the totals row.
Use loan principal and amortisation below as your current balance and remaining term. Turn off fees row or set fees to $0 if refinancing.
Only when using loan principal mode. With price & down payment, the purchase price applies.
Only when using loan principal mode. With price & down payment, the purchase price applies.
Quick comparison
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Results — A
End of term (summary window)
Australian upfront (estimate)
General transfer duty brackets (not first-home, investment, or foreign surcharges). Confirm on your state revenue site.
US housing cost (monthly estimate)
P+I uses the standard monthly instalment for the same loan (so it matches monthly tax, insurance, and PMI).
Est. one-time closing: — (your % × loan).
Results — B
End of term (summary window)
Australian upfront (estimate)
General transfer duty brackets (not first-home, investment, or foreign surcharges). Confirm on your state revenue site.
US housing cost (monthly estimate)
P+I uses the standard monthly instalment for the same loan (so it matches monthly tax, insurance, and PMI).
Est. one-time closing: — (your % × loan).
Charts
Visual summaries in the same spirit as repayment, rate-stress, and property-equity views on sites like mortgage.monster (unaffiliated). We render with Chart.js and TweakMill’s palette—not a copy of their Raphaël layout.
Kept in sync with Scenario A → Property growth in the quick builder. Used for equity / market value curves (illustrative only).
Stack mirrors common planners: interest (lower) shrinking, principal growing, total payment (gold). Uses a monthly schedule for the chart even if you chose another payment frequency.
Market value from your growth % and starting value; equity = value − loan balance. Dashed red line marks loan start (purchase LTV).
End-of-year balance (your actual payment frequency).
Holding loan & term fixed; nominal rate ±1.5% in 0.5% steps.
Rental yield and ROI use deposit + mortgage fees + optional extra as a simple “equity in” base. Not tax or legal advice.
Annual costs vs model property gain
Year-by-year: mortgage + ongoing (annualised) vs property value change from your growth %.
Payment-by-payment breakdown (principal / interest / balance).
| # | Payment | Principal | Interest | Balance |
|---|
Payment-by-payment breakdown (principal / interest / balance).
| # | Payment | Principal | Interest | Balance |
|---|
Note: This tool is for general information only, not professional advice. Full disclaimer
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