Frequently Asked Questions
Understand the calculations, assumptions and limitations before making decisions.
Frequently asked questions
Are the calculators free?
Yes. No account or sign-up is needed to use the calculators.
Do the calculators provide financial advice?
No. Results are educational estimates and are not personalised financial advice, credit recommendations or lender offers.
How are international differences handled?
Country selection sets the currency display. The mortgage tools apply a simplified nominal annual rate divided by repayment periods, except for Canada where nominal rates are converted from semi-annual compounding. Local lender rules, taxes and fees may differ.
What is included in mortgage repayment calculations?
Standard principal-and-interest repayments using a constant rate and term. Insurance, property taxes, account fees and lender-specific interest conventions are excluded unless specifically stated.
How is an offset balance treated?
The offset calculator assumes an average balance maintained throughout the loan, rather than deposits made monthly or annually. Actual products and eligibility vary by country and lender.
How does the budget calculator handle different payment frequencies?
Every entry has its own weekly, fortnightly, monthly, quarterly or annual selector. Amounts are converted to monthly equivalents before calculating the surplus.
Are my figures stored?
The calculators operate in your browser. The current site does not require an account or send calculator inputs to a server. Hosting and future advertising services may process usage data under their own policies; review the privacy page when the site is published.
Why might my lender's figures differ?
Lenders may use daily accrual, rounding rules, changing rates, fees, product restrictions and different repayment dates. Check your lender's formal documentation before making decisions.