Carefully built.
Every calculator is cross-checked against the ATO and tested at the boundaries that matter. A calculation that disagrees with the source is worse than none.
Calculators for Australians.
A small set of carefully built financial calculators. Plain English. Transparent assumptions. No affiliate links, no product recommendations, no upsell.
Budgeting
How could I split my pay?
Split each pay into buckets and see how long a savings goal takes.
Income
What will I take home?
Tax, Medicare levy and HECS/HELP repayments on what you earn.
Investments
How could my savings grow?
Compound growth from a starting amount and regular contributions.
Lending
What will my loans cost?
Repayments, total interest, a rate change, or several debts at once.
Car loan repayments
A $35,000 car with $5,000 deposit at 7.50% over 5 years means $601/month.
Debt payoff planner
Three debts totalling $22,500 with $300 a month extra are repaid in 28 months in either order, with total interest of $2,917.89 or $2,691.16.
Home loan rate change
A $600,000 loan over 30 years with a +0.25% pts change (6.20% → 6.45%) adds +$97.89/month (+$1,175/year).
Home loan repayments
A $600,000 loan at 6.20% over 30 years means $3,675/month and $722,936 of interest paid.
Latest article
Putting The Barefoot Investor's steps into numbers you can see
The Barefoot Investor's steps are simple to read but fiddly to apply. Three new calculators show how your pay splits, how two debt repayment orders compare, and how long a home deposit takes.
Principles
What this is, and isn't.
Transparent assumptions.
Statutory rates come from named sources. Other assumptions – return rates and inflation – are visible and adjustable.
No upsell, no products.
No affiliate links or recommended lenders, brokers, funds, or ETFs. No sponsored products or commercial partnerships.
Plain English.
Built for adults checking their own numbers. No dark patterns or artificial urgency. Read the assumption, change it, and see what moves.
Built independently, in Australia.
figuresmate is built and maintained by one person who cares about getting the numbers right. The site follows the ASIC Generic Calculators Instrument's disclosure conditions. It is not a financial advice service; talk to a licensed AFS adviser about specific products.
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