Emanate Finance

Mortgage calculators

Run the numbers yourself. When you're ready to see what a MortgageSMART™ strategy does to them, start with your goal on the home page.

Back to your goal

Repayment calculator

What your loan costs each month — and what a little extra does to the finish line.

$600,000
5.94%
30 years
$0
Monthly repayment
$3,574
Total interest
$686,709

Illustrative estimate based on the figures you entered. Actual outcomes may vary — the assumptions behind it are at the bottom of this page.

Borrowing power estimator

An indication only — every lender measures this differently.

0 dependants
$150,000

Tax and the Medicare levy are deducted using the 2025-26 resident rates, leaving about $9,180 a month to assess with.

$4,200
$0
$0

Indicative borrowing power

$685,000

Illustrative estimate based on the figures you entered. Actual outcomes may vary — the assumptions behind it are at the bottom of this page.

Your next step

See what this looks like on your loan

Pick the goal closest to yours and we'll take you through a few quick questions.

What clients say

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One more thing

See what this looks like on your loan

Pick your goal and get a personalised MortgageSMART™ plan in a couple of minutes.