Unpack Property
Directory

All 44 tools

Every free calculator and checker on Unpack Property, grouped by what you're trying to work out. Not sure where to begin? The 2-minute quiz or the Start here guide will point you to the right one.

  • 44 tools
  • Free, no sign-up
  • Grant data checked September 2026

Plan

Plan and afford

Work out if you can buy, how much you can spend and when.

Can I afford it?

First Home Buyer Quiz10 or 11 questions. Every scheme you may be eligible for, side by side.2 minAm I Ready to Buy?12-question readiness diagnostic across finances, lifestyle, knowledge, and emotional prep.3 minWhat Can I Afford?Interactive suburb explorer based on your borrowing power and government schemes.3 minBorrowing PowerHow much you can borrow, and how government schemes extend your capacity.2 minCan I Afford This Property?NewFound a listing? Enter its price with your income and savings to see upfront costs, the loan needed, repayments and which schemes could apply.2 min

Saving a deposit

Deposit TimelineMap your deposit month by month. Compare plain savings vs First Home Super Saver, with tax savings and 2/5/10/20% milestones.3 minDeposit Boost ComparatorCompare every path to a deposit. Bank savings, FHSS, parental gift, guarantor, 5% scheme, Help to Buy - side by side.4 min

Should I buy?

Rent vs BuyCompare renting vs buying over 10 years with stress tests, rentvesting, and lifestyle scoring.5 minBuy Now vs WaitBuy now with 5%? Wait and save 20%? Compare wealth at year 10/15/30 across 5 wait periods side by side.4 minRentvesting CalculatorRent where you want, buy where you can afford. 10-year wealth with AU tax.4 minCo-Buying CalculatorBuying with a friend, sibling, or family member? Per-buyer scheme eligibility, combined upfront costs, and three exit scenario models.6 min

Grants

Grants and schemes

Find the grants, concessions and schemes you may be eligible for.

What you could get

Grant StackerEvery federal and state grant, concession and scheme you may be eligible for.4 minGrant DashboardLive countdowns for expiring grants, eligibility checker, state-by-state FHOG.BrowsePrice Cap CheckerSee the maximum property price for Help to Buy and the 5% Deposit Scheme, side by side, for your state and location.1 min

Compare the schemes

Scheme ComparisonHelp to Buy vs 5% Deposit side by side with long-run wealth impact.3 minFHSS CalculatorFirst Home Super Saver salary sacrifice plan. Couples, tax savings, release timeline.3 minNegative Equity RiskIf the market dips, what happens to your equity? Compare Help to Buy, traditional 20%, and 5% Deposit Scheme side by side. Honest downside math.3 min

Costs

Buying costs

Every cost on top of the price, from stamp duty to the first year.

Upfront costs

Stamp Duty CalculatorPer-state estimate with FHB concessions auto-applied, foreign surcharges, total upfront.1 minLMI CalculatorYour LMI cost, upfront vs capitalised, and how FHG or Help to Buy can waive it.2 minMoving CostsRemovalists, cleaning, connections, furniture, admin. Total your moving-day budget.2 min

Offer and settlement

Auction Max Bid CalculatorOpen on your phone at the auction. Cash + loan + state = absolute max you can bid, stamp duty, LMI and buffer all included.2 minCooling-off CountdownJust signed? Countdown shows when your cooling-off expires and what it costs to rescind.1 minSettlement Adjustment CalculatorAt settlement you reimburse the seller for prepaid council rates, water, and strata. Compute it line by line.2 min

Owning the home

True Cost CalculatorHidden costs of house and land: site works, landscaping, fencing, coverings.3 minFirst-Year Cost SimulatorSee month-by-month what the first year of ownership actually costs - mortgage plus every other line that nobody mentions.3 minStrata Fee EstimatorPredict the quarterly body corporate fees on an apartment before you make an offer, from building features.2 minSchool Zone PremiumSame house, different school zone. Is the premium worth it vs paying private fees?3 min

Building or off-the-plan

Builder Quote ComparisonGot 2-3 builder quotes? Side-by-side standardiser shows which is really cheapest after filling every exclusion.5 minOff-the-Plan Risk CalculatorModel the cash risks unique to buying a new build - valuation shortfall at settlement, stamp duty saving, deposit-at-risk and completion delay costs.5 min

Loan

Your home loan

Compare loans, test them against rate rises and plan what comes next.

Choose and structure

Mortgage ComparisonCompare two loan scenarios: rate, term, fixed vs variable, P&I vs interest-only.2 minMortgage Offset CalculatorOffset account vs extra repayments vs doing nothing. Interest saved and payoff timeline.2 minGuarantor Loan CalculatorBoth sides: the deposit saving for you, the equity exposure for the guarantor.3 min

Stress test it

Rate Shock TesterRepayments if rates jump 1-3%. Banks stress-test at +3%. Now you can too.1 minLayered Stress TestStack rate rises + pregnancy + job loss + medical. See which combinations break the budget and how big a buffer you need.4 min

Later on

Refinance Break-EvenHow many months until a refinance pays off after fees, new LMI, cashback, and the fresh-30-year-term trap.3 minRenovation ROIFor Help to Buy participants: how renovations affect the government equity share.3 min

Salary & Tax

Salary and tax

Take-home pay, tax, study loans and family payments.

Your pay

Pay CalculatorSee your real take-home pay after income tax, Medicare, HELP repayment and employer super. Any salary, any pay frequency.1 minIncome Tax Bracket ExplorerSee exactly how Australia's progressive tax brackets apply to your income. Marginal and effective rates for residents, non-residents, and working holiday makers.2 minHELP/HECS Payoff CalculatorProject how long until your study loan is cleared. See your payoff date, years to clear and total repaid including indexation, with optional extra repayments.2 minIncome Percentile CalculatorSee where your taxable income ranks among Australian taxpayers. Covers ~13.2M lodging taxpayers from ATO 2023-24 data.1 min

Family and the bigger picture

Child Care Subsidy EstimatorEstimate your Child Care Subsidy rate and weekly out-of-pocket cost based on your family income, care type, and hours used.2 minFamily Tax Benefit CalculatorEstimate your Family Tax Benefit Part A and Part B payments based on family income and children's ages.2 minInflation CalculatorSee what a past salary or amount is worth in today's dollars, adjusted for inflation using ABS CPI data.1 minTax Distribution CalculatorSee how your estimated income tax maps across federal government spending, from social security and health to defence and education.1 min

Not sure which tool you need?

Answer 10 or 11 short questions and see the grants and schemes you may be eligible for, or follow the six steps from first thought to keys.

Take the quiz Read Start here
Data verified September 2026

For illustration only. These tools do not constitute personal financial advice. Grant amounts, rates, caps and eligibility rules may change. Always verify with the relevant government agency, such as your state revenue office, Housing Australia, the ATO or Services Australia, and consider seeking independent financial advice before making decisions.