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Calculators

Whether you’re budgeting for your first home, comparing loan options, or planning your next move, our calculators can help you understand the numbers before you commit. They’re simple to use and give you a great starting point for making informed finance decisions.

Home Loan & Borrowing Calculators

Understand what you could borrow and how your loan might look:

  • Borrowing power calculator

  • Loan repayment calculator

  • Home loan offset calculator

  • How long to repay calculator

  • Interest-only mortgage calculator

  • Introductory rate loan calculator

  • Split loan calculator

Refinance & Repayment Calculators

See how refinancing or making extra repayments could save you:

  • Comparison rate calculator

  • Mortgage switching calculator

  • Loan comparison calculator

  • Fortnightly repayment calculator

  • Extra repayment calculator

  • Lump sum repayment calculator

Property Buying & Selling Calculators

Plan for upfront costs, duties, and selling expenses:

  • Stamp duty calculator

  • Property selling cost calculator

  • Property buying cost calculator

  • Rent vs buy calculator

Business & Asset Finance Calculators

Estimate repayments and understanding your finance options:

  • Leasing calculator

  • Reverse mortgage calculator (for eligible seniors)

Savings & Budgeting Tools

Building a savings plan and track your progress:

  • Savings goal calculator – How long to save

  • Compound interest calculator

  • Credit card repayment calculator

  • Savings Calculator

Income & Tax Tools

Helpful for planning, especially if you’re self-employed or a contractor:

  • Income tax calculator

  • Income annualisation calculator

  • Income gross up calculator

Important Note The calculator has been provided in good faith as a guidance tool only. Results are not financial advice, are a guide only, and are not a guaranteed outcome or quote. Borrowers should always discuss their individual situation with an Australian Credit Licensee or authorised Credit Representative.

Got Questions About Finance? We’re Here to Help.

Securing a home or business loan is a big step — and it’s completely normal to have questions, whether you’re just starting out or looking for clarity on something specific. We’re here to guide you with honest, expert advice — and if we don’t have the answer right away, we’ll do our best to find it. No question is too small.

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Completely confident through the whole process.

“Jack brought a level of thought and discretion that I really valued. He worked closely with my accountant to get the loan structure right, and there was no pushiness or upselling — just sound advice tailored to my situation. I felt completely confident through the whole process. Even small details, like timing settlements with other transactions, were handled with care”

J.T, South Yarra, VIC

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Copyright © 2025, Pacific Horizon Finance

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The information on this website is general in nature and provided for illustrative and discussion purposes only. It does not constitute financial, legal, or tax advice and should not be relied upon as such. While every effort has been made to ensure accuracy, under must make their own enquires and seek independent advice tailored to their personal and business needs. Terms, conditions, fees, and charges may apply. All loans are subject to lender approval and standard lending criteria. Interest rates, fees, and lender processing times are subject to change without notice. Broker recommendations on lender turnaround times are indicative only and may vary depending on the complexity of your application and the timely submission of required documentation.