Mortgage calculators

Run the numbers yourself. When you're ready to see what a MortgageSMART™ strategy does to them, start with your goal on the home page.

Repayment calculator

What your loan costs each month — and what a little extra does to the finish line.

Loan amount$600,000

Interest rate5.94%

Loan term30 years

Extra each month$0

An indication only — every lender measures this differently.

Household

Dependants0 dependants

Is that income before or after tax?

Household income before tax (yearly)$150,000

Tax and the Medicare levy are deducted using the 2025-26 resident rates, leaving about $9,180 a month to assess with.

Monthly living costs$4,200

Car & personal loan repayments (monthly)$0

Credit card balances$0

Indicative borrowing power

$685,000

Your next step

Pick the goal closest to yours and we'll take you through a few quick questions.

What clients say

148 Google reviews · rated 5.0

Read what Emanate Finance clients say in their own words on the Google profile.

One more thing

Pick your goal and get a personalised MortgageSMART™ plan in a couple of minutes.