Stamp Duty Calculator
Calculate transfer duty for property purchases in any Australian state or territory. Includes first home buyer concessions.
Updated Mar 2026
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Free Australian Finance Calculators — Mortgage, Stamp Duty & Borrowing Power
Estimate home loan repayments, borrowing power, stamp duty, LMI and capital gains tax in seconds. Every calculator uses current rates from the RBA, ATO and state revenue offices. Updated regularly — no signup required.
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Data from: RBA, ATO, State Revenue Offices • View all sources →
Featured Calculators
Free tools to help you make informed financial decisions
Home Loan Repayment
Calculate your monthly home loan repayments with current Australian interest rates.
Updated Mar 2026
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Borrowing Power Calculator
Find out how much you could borrow based on your income, expenses, and existing debts.
Updated Mar 2026
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Refinance Calculator
Compare your current loan with a new rate to see break-even months, net savings at 1, 3 and 5 years, and whether refinancing is worth the fees.
Updated Mar 2026
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Capital Gains Tax Calculator
Calculate Australian capital gains tax on property, shares, crypto and other assets. Compares discount, indexation and other CGT methods with full tax bracket calculation.
Updated Mar 2026
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LMI Calculator
Estimate Lenders Mortgage Insurance (LMI) on Australian home loans above 80% LVR. Compare upfront vs capitalised LMI and see the deposit gap to avoid it.
Updated Mar 2026
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Popular Guides
Learn how these calculations work
Home Buying & Stamp Duty
GUIDE
Stamp Duty
Complete guide to stamp duty in Australia: how it works, who pays, first home buyer exemptions and how to calculate it.
Read guideGUIDE
Stamp Duty Guide (Australia)
Complete guide to stamp duty in Australia: how it works, who pays, first home buyer exemptions and how to calculate it.
Read guideGUIDE
First Home Buyer Stamp Duty
Everything about first home buyer concessions: exemptions, thresholds, and eligibility by state.
Read guideGUIDE
Stamp Duty Fees & Total Costs
Understanding total government costs: stamp duty, transfer fees, mortgage registration and more.
Read guideMortgages & Home Loans
GUIDE
Mortgage Quotes Australia
How to compare mortgage quotes and home loan offers in Australia. Learn what lenders check, what to compare (rate vs comparison rate), and how to shortlist the best loan.
Read guideGUIDE
Refinancing Break-Even — When Does It Pay Off?
Estimate refinance break-even by comparing upfront costs vs monthly repayment savings. Includes a step-by-step method, examples, and a checklist.
Read guideGUIDE
Offset Account Explained
Learn how offset accounts work in Australia, when they beat extra repayments, and how to estimate interest and time saved.
Read guideGUIDE
Extra Repayments Guide
See how extra repayments reduce interest and loan term. Learn the best strategies and common mistakes in Australia.
Read guideBorrowing Power
GUIDE
Borrowing Power Calculator Guide
Estimate how much you can borrow for a home loan based on income, expenses, debts, credit cards and HECS/HELP.
Read guideCapital Gains Tax
GUIDE
Capital Gains Tax Guide (Australia)
Complete guide to Australian capital gains tax: how CGT works, the 50% discount, cost base rules, indexation method and how capital losses work.
Read guideGUIDE
Capital Gains Tax on Property
How CGT applies to investment property in Australia. Covers cost base, capital works deductions, main residence exemption, 6-year rule and inherited property.
Read guideFrequently Asked Questions
About MoneyWiseCalc and our Australian finance tools
Are MoneyWiseCalc calculators free to use?
Yes. Every calculator is free, requires no signup, and runs entirely in your browser.
What data sources do you use?
We reference the Reserve Bank of Australia (RBA) cash rate, ATO capital gains tax tables, and the stamp duty schedules published by each state and territory revenue office.
How often are the calculators updated?
We review rates after every RBA meeting and update state stamp duty tables whenever thresholds change. The last-updated date is shown at the top of each calculator page.
Are these calculators accurate enough for a home loan application?
Our estimates match official government calculators for identical inputs, but the final figure your bank or conveyancer quotes may differ slightly due to rounding, lender fees, or concession eligibility checks we cannot verify.
Do you support all Australian states and territories?
Yes. Stamp duty, first home buyer concessions, and land transfer fees are covered for NSW, VIC, QLD, WA, SA, TAS, ACT and NT.
Is this financial advice?
No. MoneyWiseCalc provides calculation tools and general information only. It is not personal financial, tax or legal advice — speak to a licensed professional before making a decision.
Do you store or sell my data?
No. Calculator inputs stay on your device. We only collect information if you explicitly submit a lead form to connect with a broker.