Buying costs calculator Australia

Plan deposit, stamp duty, and other upfront cash needs before you confuse a borrowing result with a safe property budget.

Monthly repayment$3,062
$602,444Total interest
$1,102,444Total paid
30y 1mPayoff
Upfront Costs
Deposit, stamp duty, and settlement costs

Buying cost inputs

Budget snapshot before stamp duty

Deposit amount

$180,000

Other upfront costs

$3,500

Cash before stamp duty

$183,500

Missing from this total

Stamp duty

This planner shows the cash you need before stamp duty. Use the state calculator next so you can add transfer duty, registration, and settlement costs to the same property price.

Open New South Wales stamp duty calculatorCheck borrowing power next
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Property buyers usually underestimate how quickly deposit, stamp duty, and small settlement costs compound into a much larger cash requirement. A lender may support the loan amount, but your own cash requirement still decides whether the property is comfortable to buy.

Stamp duty changes by state and buyer type. Use the correct state page before you narrow your shortlist or bid range.

Repayment CalculatorBorrowing PowerFirst Home BuyerPre-approval

Frequently Asked Questions

What costs should I include when buying a property in Australia?
At minimum include deposit, stamp duty, transfer registration, mortgage registration, legal or conveyancing fees, and a moving or repair buffer.
Does this page calculate stamp duty for every state?
It helps you frame the purchase budget, then sends you into the correct state stamp duty calculator with the same property price and deposit assumptions.
Why should I do this before pre-approval?
Because the property price you can borrow for is not the same as the price you can comfortably buy once upfront cash costs are added.