Property Planning Tool

Equity Calculator Pro

Plan your next move with confidence — whether you're downsizing for a simpler life or upsizing for your growing family.

Net sale proceeds

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Funds available

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Sweet spot repayment

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Sweet spot saving

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⬇ Downsize mode — the table shows repayment reductions as you move to a lower-value home.
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Your current property

What you're selling and what you owe

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Savings & offset account

Cash you'll bring to the new purchase

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Held back — not deployed into purchase

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Cash-funded, not added to loan

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Loan settings

Your new mortgage details

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Auto-estimated from mortgage & rate — type to override

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Highlights your goal repayment range

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Household income & expenses

Optional — unlocks affordability % and spare cash in results

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Total take-home pay after tax

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Living costs excluding mortgage

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Purchase price range

The range of properties you're considering

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Your results
Purchase price Stamp duty Deposit New loan Repayment / mo Monthly saving Annual saving % of income Spare / mo LVR
Created by Mikel. NSW stamp duty calculated on owner-occupier rates for established homes. Repayments are principal & interest over the full loan term. Offset cash minus buffer is fully deployed as deposit. Renovation budget is cash-funded and not added to the loan. Agent commission and legal/moving costs are deducted from sale proceeds. Affordability guide: ≤28% of income = comfortable, 28–35% = manageable, >35% = stretched. This tool is for indicative modelling only and is not financial advice. Always speak with a licensed mortgage broker and financial adviser before making property decisions.