Define Your Borrowing Potential.

Before a lender approves your application, they run your financial profile through a “Credit Matrix.” This is a calculation used to determine your serviceability, essentially, how much you can comfortably borrow based on your income, lifestyle expenses, and existing debts. Our Borrowing Power Calculator uses these similar principles to give you a clear, indicative look at your buying capacity.

To get the most accurate result, ensure you provide a complete picture of your financial world:

• Joint Applications: Select the “Joint Names” option if you are applying with a spouse, de facto, or partner to combine your borrowing strength.

• Household Dependants: Include any children residing with you who are dependent on your income, as this impacts daily living cost estimates.

• Income & Verification: Enter your Net Income (your actual take-home pay after tax, if you don’t know your Gross income). If you include “Other Net Income,” ensure it is verifiable via payslips or your ATO Individual Tax Returns, as lenders will require this proof.

• The “Hidden” Liabilities: Be sure to list all current car loans or mortgages. Crucially, include the total limits of all credit cards, even those “emergency” cards tucked away in a drawer. Include any AfterPay and any other Buy Now, Pay Later (BNPL) online credit facilities. 

• Credit Transparency: With the rise of Credit Positive Reporting, lenders can see all active liabilities on your credit profile. Listing these accurately now ensures your indicative result matches what a lender will see later when they run a credit profile report.

Accelerate Your Path to Financial Freedom.

Standard loan repayments are calculated on the lender’s timeline, usually 25 or 30 years. But you don’t have to play by those rules. By making extra contributions to your Principal and Interest (P&I) loan, you aren’t just paying down debt; you are effectively buying back your future.

Every extra dollar you contribute goes directly toward reducing your principal balance. This creates a powerful “snowball effect”: a smaller principal means less interest is charged every month, which in turn helps you pay off the balance even faster.

The Power of Small Adjustments You don’t need a windfall to make a difference. Even a modest contribution, like an extra $50 per week, can shave years off your mortgage and save you tens of thousands of dollars in interest over the life of the loan.

Visualising Your Savings Our Extra Repayment Calculator is designed to provide immediate visibility into your potential savings:

• Tailored Results: Input additional weekly, fortnightly, or monthly amounts to see how your loan term shrinks.

• The Savings Graph: The charcoal-shaded area on the graph represents the “Interest Gap”, the total amount of time and money you reclaim by exceeding your minimum requirements.

Put Your Savings to Work Against Your Mortgage.

Why leave your hard-earned savings sitting in a standard account when they could be actively slashing your mortgage interest? A Home Loan Offset Account is one of the most powerful wealth-optimisation tools available. It acts as a standard transaction or savings account, but with a major financial advantage: every dollar you keep in it is “offset” against your loan balance, meaning you only pay interest on the difference.

Our Home Loan Offset Calculator lets you visualise the immediate and long-term impact of linking your cash reserves to your debt. By keeping your funds completely fluid and accessible while simultaneously lowering your interest bill, you get the best of both worlds, total financial flexibility and an accelerated path to freedom.

How to Map Your Offset Advantage: To see how much time and money you can reclaim, simply input a few key details:

• Loan Baseline: Enter your current loan balance, remaining term, and interest rate.
• Offset Balance: Input your starting savings or the average balance you intend to hold in the account.
• Ongoing Contributions: Add any regular monthly or fortnightly deposits you plan to make to see the compounding benefits over the life of your loan.

The Neomoney Smart Move: Unlike earning interest in a traditional savings account which is typically subject to income tax, the interest you save through an offset account is effectively a tax-free return. It’s a smarter, more sophisticated way to make your money work double-time.

Master Your Settlement Costs.

The purchase price of a property is only one part of the financial equation. To ensure a smooth settlement without last-minute surprises, it is essential to account for government-mandated costs. These fees, primarily Stamp Duty, Government Registration Fees, and Transfer Fees, are calculated based on your property’s location and value, and they can impact your required “Funds to Complete” significantly.

Our Property Fee Calculator is designed to strip away the guesswork, providing a state-specific breakdown of the costs required on settlement day, excluding your deposit and lender-specific charges.

How to Get an Accurate Estimate: To generate your tailored report, simply input a few key details:

• Property Details: Your purchase price and the specific State or Territory of the property.
• Buyer Status: Indicate if you are a First Home Buyer, as you may be eligible for significant concessions or exemptions.
• Usage: Specify if the property is for your Primary Residence or an investment, as tax rates often differ between the two.

Strategic Budgeting for Settlement While our tools provide high-precision estimates to help you budget effectively, the final figures are determined by your specific contract and local legislation at the time of settlement. We always recommend using these results as a foundation for discussion with your Conveyancer or Solicitor, who will provide the final, verified figures for your property transfer. Plus, remember to include your conveyancer and/or solicitor costs, for Funds to Complete, we allocate approx. $1,500 for a purchase. Your conveyancer or solicitor, can provide you a more accurate fee structure once you speak to them.

Don’t let hidden costs delay your goals, get a clear picture of your total investment today.

Harness the Exponential Power of Compounding Wealth

They say compound interest is the eighth wonder of the world and for good reason. It is the ultimate engine for long-term wealth creation. Unlike simple interest, which only pays returns on your initial principal, compound interest allows you to earn returns on your earnings. Over time, this creates a powerful snowball effect where your money begins doing the heavy lifting for you, accelerating your net worth without requiring extra effort.

Our Compound Interest Calculator is designed to give you a clear, visual roadmap of your financial future. Whether you are saving for a property deposit, building an investment portfolio, or planning for long-term financial independence, this tool strips away the complex math to show you exactly how consistent habits translate into exponential growth.

How to Map Your Wealth Trajectory: To project your future savings and visualise your growth curve, enter a few foundational details:

• Initial Investment: Your starting balance, the baseline capital you are putting to work.
• Regular Contributions: The amount you plan to add (weekly, fortnightly, or monthly) to fuel the compounding engine.
• Time Horizon: The number of years you intend to let your money grow.
• Estimated Rate of Return: Your expected annual interest or investment growth rate.
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The Neomoney Smart Move: When it comes to compound interest, time is your greatest asset. Starting early is often far more impactful than starting with a massive lump sum. By automating your regular contributions today, you give your future self the ultimate financial head start.