Our Calculators

Home Loan Calculator

Our home loan repayments calculator helps you estimate the true cost of your mortgage, including stamp duty, rates, insurance, maintenance and more!

Personal Loan Calculator

Our personal loan calculator helps you estimate your personal loan repayments - whether it be for a holiday, wedding, debt consolidation or renovations.

Car Loan Calculator

In the market for a new car? Our car loan calculator helps you estimate the true cost of owning a car. It takes into account stamp duty, insurance, maintenance and more!

Home Loan Calculators

Home Loan Calculator

Our home loan repayment calculator helps you to estimate the true cost of your mortgage. It includes stamp duty, insurance, maintenance and more!

Extra Repayments Calculator

Calculate how much you could be saving in interest or whether you can shorten your loan term by making additional repayments over and above your current monthly repayment.

Lump Sum Calculator

Calculate how much you can save in interest or whether you can shorten your loan term by making a one-off lump sum repayment on top of your current monthly repayment.

Split Loan Calculator

You may be able split your home loan into two or more portions and specify what percentage of your home loan is allocated to each loan product, usually a fixed portion and a variable portion. The portions are assessed together as a single total for approval and serviceability, but each part is treated as a separate loan for documentation purposes.

Loan Balance Calculator

Calculate how much of your payment is interest and how much is principal at different stages of your loan.

Loan Comparison Calculator

Compare different loans to get an idea of which loan is the right one for you.

Stamp Duty Calculator

Calculate how much stamp duty will be payable when you purchase a home.

Borrowing Power Calculator

Calculate an estimate of how much you may be able to borrow. Simply enter your income, expense and loan details.

Home Insurance Calculators

Project an estimate of the full replacement value of your home building and contents.

Building Replacement Value Calculator

Contents Replacement Value Calculator

Personal Loan Calculators

Personal Loan Calculator

Calculate your minimum repayments on your personal loan.

Car Loan Calculator

Calculate your minimum repayments and the true cost of owning your next car.

Credit Card Calculators

Credit Card Calculator

Calculate the minimum payment required on your credit card.

Balance Transfer Calculator

Use our Balance Transfer Calculator to work out how much you could save if you transferred your balance to Heritage.

Business Lending Calculators

Equipment Finance Calculator

Calculate your finance repayments.

Savings & Planning Calculators

Savings Plan Simulator

Project how much you can accumulate over time from an initial contribution and regular ongoing deposits.

Term Deposit

Project your interest earnings from term deposits.

Budget Planner

Need help working out a budget? Try our Budget Planner. Enter your annual income and expenses to assess your financial position.

Income Tax Calculator

This calculator helps your work out how much income tax you will need to pay.

* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.