First Home Buyer Cashflow CalculatorFree · Australia-wide
The 60-second first home cashflow calculator
See the cash you need to buy and what it will really cost you each month, free, in about 60 seconds.
It's built on the spreadsheet we used to buy our own first home, not a generic calculator. No more guesswork: see the cash you need and your real monthly cost before you make an offer.
Most first home buyers only budget for the repayment. Council rates, water, strata and insurance can add hundreds of dollars a month on top.
This shows you all of it, with your state's stamp duty, first home buyer concessions and the 5% Deposit Scheme built in.
28,000+ Aussies have used our cashflow spreadsheets.
Four numbers most first home buyers never work out
Funds required to purchase
Deposit, stamp duty, solicitor, inspections and fees, added up.
Monthly repayment
Principal and interest, with the rate and term shown.
Monthly holding cost
Repayment, council, water, strata and insurance, all in.
Savings left over
Or the gap to close, so you know where you stand.
Run your numbers in about 60 seconds
For an established home anywhere in Australia. Estimates are fine. Typical costs are filled in for you.
Costs and assumptions Typical figures are filled in. Change any you know.
Building your results
- Adding up your funds required to purchase
- Applying your state's stamp duty and first home buyer concessions
- Checking the 5% Deposit Scheme price cap for your postcode
- Working out your monthly repayment and holding cost
- Your full funds breakdown 8 items
- Your monthly repayment
- Your monthly holding cost, all in
- Your cost of owning table weekly, monthly, yearly
- Savings left over, or your gap to close
Stamp duty uses each state and territory's published 2026/27 rates and first home buyer concessions. Price caps from firsthomebuyers.gov.au. Checked November 2026.
We're Sana & Mona Ali. We were first home buyers too.
Before we bought our first home, we ran the numbers over and over in a spreadsheet: deposit, stamp duty, council rates, strata, every cost. Today we're accredited mortgage brokers and buyer's agents, so we know property inside out, not just loans. Here, we help first home buyers get the finance right from day one.
What first home buyers say
"As first-time homebuyers, we initially felt uncertain and lacked knowledge about the process. However, upon meeting Sana, our outlook changed completely."
"Mona has been personable, helpful and most of all, frank and honest as we've searched for the right spot."
"Mona and the team made buying our first home a breeze, we didn't really know where to start with the whole process…"