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| Calculators
Please select from the following calculators: The Borrowing Power Calculator calculates the maximum amount of loan available based on the client specific assumptions entered in respect of the potential borrower. Click here to use our Borrowing Power Calculator. The Budget Planner Calculator helps you get a better understanding of your finances. Once finished you can keep a permanent record by printing the summary page or print each page as you go to print your entire budget. Click here to use our Budget Planner. The Credit Card Repayments Calculator allows you to compare different scenarios to see how long it will take to pay off your credit card by paying the minimum repayment or how much time and interest you would save if you were to make higher repayments. Click here to use our Credit Card Repayments Calculator. The Extra Repayments Calculator calculates the time saved to pay off the loan and the amount of interest saved if repayments are increased by the entered amount of extra contribution per repayment period after the loan has been in force for the entered number of years. Click here to use our Extra Repayments Calculator. The Income Tax Calculator calculates the net income based on the tax rate tables obtained from the Australian Tax Office website. Calculations do not include Medicare Levy or HECS payments. Click here to use our Income Tax Calculator. The Loan Comparison Calculator calculates the total amounts payable under two alternative loans and then provides the comparative amount saved by using the lower cost loan. The two loans allow for the entry of different expense amounts, both initial and ongoing (either monthly, fortnightly or weekly frequency as entered). In addition, the two loans allow for the entry of different introductory interest rates and terms, with different ongoing interest rates for the balance of the loan term. Click here to use our Loan Comparison Calculator. The Loan Repayments Calculator calculates the type of repayment required, at the frequency requested, in respect of the loan parameters entered, namely amount, term and interest rate. Click here to use our Loan Repayments Calculator. The Lump Sum Calculator calculates the time saved to pay off the loan and the amount of interest saved if a single additional lump sum repayment is made, equal to the entered amount of additional lump sum repayment after the loan has been in force for the entered number of years, in addition to continuing the regular repayments. The calculation is done at the repayment frequency entered, in respect of the original loan parameters entered, namely amount, annual interest rate and term in years. Click here to use our Lump Sum Repayment Calculator. The Principal and Interest Calculator provides a schedule of your monthly repayment and shows you what portion goes towards interest and what portion goes toward paying off the principal amount borrowed. Once finished you can keep a permanent record by printing each page of the schedule. Click here to use our Principal & Interest Calculator. The Saving Plan Calculator calculates the total accumulation in a savings account, at the regular deposit frequency requested, in respect of the savings plan parameters entered, namely initial amount, regular deposit amount, term and interest rate. Click here to use our Savings Plan Simulator. The Split Loan Calculator calculates the total interest amount under a variable interest rate for the full loan term compared the same loan having a fixed rate proportion (entered by user) at the start, with the fixed rate and term entered by the user. Click here to use our Split Loan Calculator . The Stamp Duty Calculator calculates transfer duty, mortgage duty, mortgage registration and transfer fees for properties with an existing dwelling. Different rates of duty and fees may apply for vacant land and you should contact the OSR in your state or territory for the correct rates. Click here to use our Stamp Duty Calculator. The Term Deposit Calculator calculates the total accumulated balance and interest components in a term deposit account in respect of the parameters entered, namely initial deposit amount, interest rate (per annum) and investment term (months). The accumulated balance and interest components are provided on two interest-paying bases, namely annually and monthly. Click here to use our Term Deposit Calculator The Where Can I Buy Calculator is an extension of the Borrowing Power Calculator. The first step determines your borrowing capacity based on your current salary and expenses. Then you can add your deposit to find out what postcodes offer you affordable properties around Australia (excluding SA & TAS). Property information used in the calculator is provided by Residex. Click here to use our Where Can I Buy? Calculator |
© Copyright 2008 Bankstown City Credit Union Ltd | ABN 40 087 649 769 | AFS Licence No 238 355 | BSB 802 155 All rights reserved.
Bankstown City Credit Union
is a member of the Mortgage &
Finance Association of Australia
Any advice on this website does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you.
Bankstown City Credit Union recommends you read the relevant Product Disclosure Statement(s) and the Financial Services Guide before acquiring the product.
Terms and conditions may apply to the products mentioned. Use of Information on this page is governed by Australian Law and is subject to disclaimers.