Business finance calculators

Which calculator should I use?

Start with the question you are actually asking. Sizing a loan and its repayments: the repayment and borrowing power calculators. Choosing between offers: the loan comparison calculator. Buying equipment or vehicles: the asset finance calculator. Working out tax on a price or a wage: the GST and income tax calculators.

Planning a loan

Use these before you talk to anyone. The repayment calculator turns an amount, rate and term into a repayment and total interest, so you can see what a figure really commits you to. The borrowing power calculator runs the same arithmetic backwards: start from a repayment the business could carry comfortably and see what loan size that supports. Both feed the conversation on business loans.

Comparing offers

Use this when there are real numbers on the table. Enter up to three offers and compare them on total cost rather than headline rate, which is the only comparison that means anything. It pairs with the compare hub, where the product-versus-product decisions live.

Financing an asset

Use this when the borrowing has a machine, a vehicle or equipment attached. It models repayments with a balloon, which is how asset finance is commonly structured. The products behind it are equipment finance and vehicle finance.

Tax and GST

Utilities rather than finance tools. The GST calculator adds or removes 10% GST on any amount. The income tax calculator estimates tax, Medicare levy and take-home pay on the current resident rates. Neither replaces your accountant; both are quicker than opening a spreadsheet.