Free resources
Know your numbers before you move
Plain-English guides from our team, and free calculators for the decisions that cost the most to get wrong.
Free guides
The Ultimate Mortgage Reduction Guide
by John Hanna
How to shave years off your mortgage without refinancing, the offset strategy most brokers never mention, and a step-by-step plan you can start today.
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Building Wealth through Property
by John Hanna
The 10% rule, where property sits in the wealth pyramid, positive vs negative gearing, and John's four-step plan to your first property and the next.
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A Practical Risk Capacity Guide
by est. Financial
How much pressure your financial structure can absorb — with a 7-category Risk Capacity Worksheet and 25+ stress-test scenarios.
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Calculators
No sign-up, no email gate — put your figures in and see the answer.
Mortgage & debt reduction
Mortgage Repayments
Weekly, fortnightly or monthly repayments on any loan amount, rate and term, including interest-only periods. See the total interest and what a rate rise would cost you.
Open tool →Borrowing Power
Estimate how much a lender could offer you, from your income, expenses and existing debts — tested at the rate plus APRA's 3% buffer, the way banks assess it.
Open tool →Pay Off Your Home Faster
Model extra repayments, fortnightly payments, a lump sum and an offset account against your current loan. See the years cut off your mortgage and the interest saved.
Open tool →Offset Account
See the interest an offset balance saves and the time it takes off your loan, with regular savings added — and what the same money would have to earn in a savings account.
Open tool →Refinance Savings
Compare your current rate with a new one over the years you actually have left. See the monthly saving, when the switching costs pay back, and the total saved.
Open tool →Usable Equity
Find out how much of your equity a lender would actually let you use, and what price of investment property it could fund the deposit and costs on.
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Property investment
Rental Yield
Gross and net yield on any property, after vacancy, the agent's fee and running costs — the first test of whether an investment pays its way.
Open tool →Property Cash Flow
What an investment property costs or pays you each week, before and after tax, from the price, the loan, the rent and the running costs.
Open tool →Negative Gearing
The tax a rental loss saves you under the 2026 rules — and what changes from 1 July 2027 if the property is established and bought since Budget night.
Open tool →Property Growth
What a property could be worth in five, ten or twenty years at a steady growth rate, and the equity you would hold as the loan comes down.
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Tax & wealth
Income Tax
Your 2026–27 tax, Medicare levy and take-home pay at the ATO's current rates — per week, fortnight, month or year — and what this year's tax cut is worth.
Open tool →Capital Gains Tax
The capital gains tax on selling a property: cost base, the 50% discount and the tax at your own rates — plus what the 2027 changes mean for a sale later.
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Want us to run these numbers for you?
These tools answer one question at a time. A strategy session looks at the whole position — your lending, your tax, your structure and what you are building toward.
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