Finance Calculator+

jokuda

About this app

Buying your first home? Refinancing? Doing your tax return? Finance Calculator+ has every Australian calculator you need — mortgage, stamp duty, ATO tax, HECS, currency scientific RPN, and 30+ more — free forever, offline, no ads.
★ Trusted by Australian first home buyers, accountants, finance students, and property investors.
━━━ AUSTRALIAN MORTGAGE CALCULATOR ━━━
▸ Mortgage repayments — weekly, fortnightly, or monthly
▸ Borrowing power — how much you can really borrow
▸ Extra repayments — exact interest and years saved
▸ Refinance calculator — compare your loan against new offers
▸ Offset account savings model
▸ LMI estimator for deposits under 20%
▸ Loan serviceability — the way lenders actually calculate

━━━ STAMP DUTY & PROPERTY ━━━
▸ Stamp duty calculator — every Australian state and territory
▸ First home buyer concessions, off-the-plan reductions, investment surcharges
▸ Investment property — yield, cash flow charts, PDF export
▸ Rent vs buy — true long-term cost comparison

━━━ AUSTRALIAN TAX & INCOME ━━━
▸ Income tax calculator with Medicare levy and surcharge
▸ HECS-HELP repayment estimator (current thresholds)
▸ GST — add or remove 10% instantly

━━━ CAR & PERSONAL LOAN CALCULATORS ━━━
▸ Car loan and personal loan repayments
▸ Credit card payoff — exactly how long until your balance hits zero

━━━ LIVE RATE TRACKER ━━━
▸ RBA cash rate, variable & fixed home loan rates
▸ 90-day BBSW and 10-year bond yields
▸ Historical charts: 1Y, 3Y, 5Y, 10Y
▸ Countdown to the next RBA meeting

━━━ SCIENTIFIC + RPN CALCULATOR ━━━
▸ Full scientific — trig, log, exponents, factorials, statistics
▸ True RPN mode — 4-register stack, ENTER, SWAP, DROP, ROLL, STO/RCL, LAST X
▸ One-tap Algebraic ↔ RPN switch
▸ Built-in RPN explainer for newcomers
▸ DEG/RAD indicator, full history with save and copy

━━━ PROFESSIONAL AMORTISATION (AmortPro) ━━━
▸ Solve for any unknown — payment, rate, term, or amount
▸ Cash flow events — rate changes, extra payments, holidays, balloons
▸ Interest-only and fixed-principal periods
▸ Full amortisation schedule with PDF export
▸ Comparison Rate — true cost including all fees

━━━ SAVINGS & BUDGET ━━━
▸ Compound interest and savings goal planner
▸ Superannuation projection with employer & salary sacrifice
▸ Monthly budget planner

━━━ GRAPHING & EQUATIONS ━━━
▸ 2D graphing — plot up to 3 functions
▸ 3D surface graphing from f(x,y)
▸ Equation solver — linear and non-linear systems
▸ Base converter — binary, octal, decimal, hex

━━━ 万年历 CHINESE CALENDAR ━━━
▸ Perpetual calendar 1900–2100, lunar dates, zodiac
▸ 天干地支 Heavenly Stems & Earthly Branches, 24 Solar Terms
▸ Bidirectional Gregorian ↔ Lunar lookup

━━━ EVERYDAY TOOLS ━━━
▸ Tip calculator, currency converter (150+), unit converter
▸ Date calculator, password generator

━━━ FORTUNE TELLER (just for fun) ━━━
Tarot, Numerology, Astrology, I Ching, Runes, Magic 8-Ball — for entertainment only.

━━━ WHY FINANCE CALCULATOR+? ━━━
✓ Free forever — no ads, no in-app purchases, no subscriptions
✓ Works completely offline
✓ PDF export for reports and amortisation schedules
✓ Dark/light themes with auto-switching
✓ Pin favourites and reorder your way
✓ Your data stays on your device — zero tracking

Every calculator uses current Australian tax rates, stamp duty rules, superannuation caps, and lending standards. Not a US clone — built for Australia, by Australians.

Download free today.