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Plan smarter with our
easy-to-use calculators

Whether you’re setting savings goals, working out loan repayments, or building a budget, our calculators give you a clear picture to help you make confident financial decisions. It’s a simple way to explore your options and take control of your money – no guesswork needed.

From savings growth to loan planning, see what’s possible.

Savings & Budgeting Calculators

Monthly Expenses Calculator

Things add up quickly, let us help you calculate your monthly expenses with our Living Expenses Calculator.

Calculate
Monthly Expenses Calculator

Term Deposit Calculator

Thinking of taking out a term deposit? Find out how much you could make in interest by using our Term Deposit calculator.

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Term Deposit Calculator

Savings Growth Calculator

Want to know how much you could save over time by taking out a savings account? Find out with our Savings Growth Calculator.

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Savings Growth Calculator

Home Loan Calculators

Borrowing Power Calculator

Want to know how much you could potentially borrow to buy a home or car? Find out with our borrowing power calculator.

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Borrowing Power Calculator

Home Loan Repayment Calculator

Want to know how much your home loan repayments could be and how much you could save by changing how often you make repayments? Find out with our Home Loan Repayment calculator.

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Home Loan Repayment Calculator

Stamp Duty
Calculator

Need to know how much Stamp Duty might cost when buying your next home? Find out with our Stamp Duty Calculator

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Stamp Duty
Calculator

Extra Repayment Calculator

Thinking of making extra repayments regularly on your home loan? Find out how extra repayments could reduce your interest payments and help pay off your home loan sooner with our Extra Repayment calculator.

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Extra Repayment Calculator

Lump Sum Repayment Calculator

Thinking of making an extra lump sum repayment on your home loan? Find out how this could reduce your interest payments and help pay off your home loan sooner with our Lump Sum Repayment calculator.

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Lump Sum Repayment Calculator

Loan Comparison Calculator

Want to compare what your total repayments could be between two different home loans? Find out with our Loan Comparison calculator.

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Loan Comparison Calculator

Key Facts
Sheet

Looking to generate a personalised Key Facts Sheet for your product? Use this tool to include all the details of your loan, including interest rate, repayments and fees, and then email it to yourself.

Generate
Key Facts
Sheet

Split loan

Not sure if a Split Loan would be the best option for you? Try different scenarios to find the combination that best works for you with our Split Loan calculator.

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Split loan

Personal Loans and Business Calculators

Personal Loan Repayments Calculator

Want to know how much your personal loan repayments could be and how much you could save by changing how often you make repayments? Find out with our Personal Loan Repayment calculator

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Personal Loan Repayments Calculator

Car loan

Looking to buy a new or used car? Use our Car Loan Repayments calculator to check what your repayments could look like depending on the size of your loan, interest rates and how often you make repayments.

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Car loan

Income tax

Not sure how much tax you need to pay based on your income? Use our Income Tax calculator to help you gain the clarity you need.

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Income tax

Extra Repayment Calculator

Thinking of making extra repayments regularly on your loan? Find out how extra repayments could reduce your interest payments and help pay off your home loan sooner with our Extra Repayment calculator.

Calculate
Extra Repayment Calculator

Join our SCCU community along with thousands of customers who love our easy to understand banking services and caring customer approach.

Tools & Calculators

Tools & Calculator FAQs

  • What information should I have handy to calculate my borrowing power??

    To get the most accurate results, it helps to have some details ready, like your income, any existing debts, the loan amount you’re considering, the term (years), and the interest rate. Don’t worry if you don’t have exact figures; even estimates can give you a good starting point.

  • Are the calculator results exact?

    Not quite. Our banking calculators are designed to give you a guide, not a guarantee. Here’s how that works across the different tools:

    • Savings & Budgeting Calculators
      The results show you how your savings could grow or how a budget might balance over time. They’re based on the information you enter (like income, expenses, or savings goals). Real outcomes may vary if your spending habits or interest rates change.

    • Home Loan Calculators
      These tools can help you estimate repayments, compare loan options, or see the impact of extra repayments. The numbers are handy for planning, but the actual loan details (like your interest rate, fees, and approval) will depend on your application and eligibility.

    • Personal Loan Calculators
      These give you an idea of what repayments might look like on different loan amounts and terms. The final figures may be different once your personal circumstances and credit assessment are taken into account.

  • Can I use the Home Loan Calculators compare different loans?

    Absolutely! Our Loan Comparison Calculator is designed for just that. You can pop in two different loan amounts, interest rates, or terms and see them side-by-side, making it easier to weigh up your options.

    If you’re doing some more shopping around, you can use our Key Facts Sheet, which is used to include all the details of your loan, including interest rate, repayments and fees, and then email it to yourself. Making it convenient to refer to when looking at other loans or talking to an advisor.

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Shane provided amazing customer service from start to finish. He was extremely knowledgeable, respectful, and attended to every detail of the process with thoroughness and professionalism. This kind of customer service is almost unheard of these days, so it was an absolute delight to work with Shane. The interest rate on my company car was fantastic and the terms of the loan were both fair and reasonable. I 100% recommend Shane and Southern Cross Credit Union for obtaining financing for a vehicle and wouldn't use anyone else for my business going forward. Thanks to Shane and his team!
Joanna Tedeschi
Previously we were not advocates of the banking industry, we were strong non-believers after some disappointing & negative experiences. Many locals referred us to Southern Cross Credit Union (SCCU) and after much encouragement we moved our banking business to the SCCU Tweed City Branch. We are now strong believers as we have been in the extremely efficient, effective and supportive hands of SCCU loans manager Stephen Distant. What an asset! Stephen has totally reframed our banking experience, we are genuinely impressed with his ability to do this by managing our loans. Even after many years as a SCCU client, Stephen's dedication with helping us has not died down, his loyalty remains nothing short of inspiring and his willingness to provide outstanding customer service is something we are in awe of. Moving our accounts to SCCU was a great decision, thanks to Stephen Distant.
Rod and Suzy Cornelius
Working with Steve has been an absolute pleasure! He is very professional yet is able to bring a personal touch to the banking and loan process. We always feel like we are kept up to date with requirements and processes and Steve is always willing to explain everything in a user-friendly yet professional manner. He has been amazing to work with for our financial needs and would highly recommend his services to friends, family, and colleagues.
Kylie Taylor