Buying costs calculator Australia

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

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 calculator Check borrowing power next

Cash before settlement

Property buyers usually underestimate how quickly deposit, stamp duty, and small settlement costs compound into a much larger cash requirement.

Borrowing budget is not purchase budget

A lender may support the loan amount, but your own cash requirement still decides whether the property is comfortable to buy.

State matters immediately

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

Start with first-home buyer plan

Combine state duty, buffer, and repayments before you settle on a purchase number.

Check borrowing power

Once you know the upfront cash requirement, estimate a safer home-loan range from your monthly budget.

Open the pre-approval planner

Use the reduced budget range to move from rough idea into a more disciplined property cap.

Validate repayments

Translate the purchase range into principal-and-interest repayments before you commit to inspections or offers.

Related Mortgage tools

First Home Buyer

Deposit + duty + repayment stress in one view

Repayment

Monthly, fortnightly, or weekly payment breakdown

Borrowing Power

Estimate how much you can borrow

FAQs

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.