Terms of use

MyMoneyCalcs provides free calculators for general information. By ticking the agreement checkbox below the calculator inputs and continuing with Calculate, you agree to these terms and our Privacy notice for all calculator uses.

Last updated 14 November 2026

Estimates, not personal financial advice

Results illustrate the numbers and assumptions you enter. They do not consider your full circumstances, financial needs or objectives, and are not a loan offer, approval, recommendation or guarantee. Check the relevant figures and product terms with your lender and seek suitable professional advice before making a financial decision.

How the mortgage estimate works

The Australian mortgage calculator models monthly principal-and-interest repayments, or an initial interest-only period followed by principal and interest, with daily interest. Weekly and fortnightly figures are budgeting equivalents. Future rates follow the values you enter. Weekly contributions can build an offset balance or go directly to the loan; the destination is shown in the inputs. Offset cash remains separate from loan repayments. Fees, tax, product restrictions and lender-specific methods are not included. Read How we calculate for the full assumptions.

Using the tool

Check your entries and calculate again after changing them. Use the tool lawfully and do not interfere with its availability, misuse the service or attempt unauthorised access. You can keep financial details together in one local profile in your browser; protect it when using a shared device. Your local profile page lets you review, update and clear shared details. Updating the local profile is optional and explicit; trial calculations do not overwrite it. The savings-buffer planner uses a constant monthly budget and does not project changing mortgage interest as offset cash is spent.

Scenario collection

Completed mortgage calculations are collected as part of the free service. After you accept these terms, selecting Calculate repayments or Use this scenario to produce a full report submits the mortgage numbers for financial research. The profile record, budget-only fields, savings-buffer calculations and what-if previews stay in your browser. Mortgage details applied from your local profile follow the same completed-scenario collection rules when you calculate, without a profile reference. We retain original values, including amounts, rates, terms and repayment assumptions. We do not collect incomplete drafts for research. Our Privacy notice explains the fields and how the site works.

Scenario records are not linked to your name, contact details, IP address, visitor profile or contact enquiries. Each calculation is a separate scenario, with a random reference used only for delivery retries. We do not try to identify contributors or link scenarios back to them.

Retention and commercial rights

We may retain scenario records indefinitely, without a fixed deletion date, for research, analysis and commercial use. You permit us to store, analyse, combine and transform submitted scenario data, and to create and commercialise datasets, statistics, models, reports and other outputs from it. To the extent you hold rights in the submitted scenario data, you grant My Money Calcs a non-exclusive, worldwide, perpetual, royalty-free licence for these purposes.

My Money Calcs retains the commercial rights in the datasets and research outputs it creates, to the extent those rights exist. Original scenario records remain private; external research products use reviewed grouped outputs. These permissions cover calculation scenarios, not your contact-form name, email or message, and do not waive rights that cannot lawfully be waived.

Scenarios submitted under our earlier 90-day research notice keep their original expiry. The new retention terms apply to scenarios submitted after accepting this version.

Accuracy and availability

We aim to provide useful estimates, but errors and interruptions can occur. Results can differ from lender statements and actual outcomes. We may update the tools and these terms. We remember acceptance in this browser so you do not need to agree at each calculation. We ask again when the version of the terms or notices requiring agreement changes, or when browser storage has been cleared or is unavailable. Links remain available in the footer.

Contact

My Money Calcs operates this site. Use the contact form for questions, problems or privacy enquiries.

Your legal rights

Nothing in these terms excludes, restricts or modifies a right, guarantee or remedy that cannot lawfully be excluded, including under the Australian Consumer Law where it applies.