Property reality tools
Life After Mortgage
What is actually left once the mortgage is paid?
A plain cash-flow statement. Money in after estimated tax, money out on housing and living, and what remains. It does not tell you whether the purchase is a good idea — it shows you the arithmetic so you can decide.
Left each month
$3,755
After housing, living costs and your savings target. That is $866 a week.
True cost of housing
$5,121
Mortgage plus rates, water, insurance, levies and a maintenance allowance.
Change from today
+$2,521
Compared with the $2,600 a month you spend on housing now.
On these figures $3,755 a month is left after housing, living costs and savings — about $866 a week.
The rest of the position
$13,435 in / $9,681 out
Take-home pay, total outgoings, savings runway and the rate at which free cash disappears.
Stress the scenario
Change one thing at a time and watch the figures above move. Nothing here is a prediction.
The monthly statement
Every line the result is built from.
Money in
| Estimated take-home — earner AAfter estimated income tax, Medicare and any study loan | $7,568 |
| Estimated take-home — earner BAfter estimated income tax, Medicare and any study loan | $5,868 |
| Money in total | $13,435 |
Housing
| Mortgage repayment | $4,121 |
| Council rates | $183 |
| Water and service charges | $92 |
| Insurance | $158 |
| Maintenance allowance | $567 |
| Housing total | $5,121 |
Essentials
| Groceries and eating out | $1,240 |
| Electricity, gas, internet and mobile | $330 |
| Fuel, registration, insurance and public transport | $720 |
| Childcare, school and activities | $0 |
| Health cover, medical and dental | $340 |
| Essentials total | $2,630 |
Commitments
| Pets, gifts and everything else | $250 |
| Commitments total | $250 |
Lifestyle
| Entertainment, subscriptions, clothing and holidays | $680 |
| Lifestyle total | $680 |
Savings and investing
| Chosen savings target | $1,000 |
| Savings and investing total | $1,000 |
Ratios
Descriptive measures only. None of them is a threshold, a rule of thumb or a lender test.
| Mortgage / gross incomeRepayment as a share of gross household income. | 23.5% |
| Mortgage / take-homeRepayment as a share of estimated take-home pay. | 30.7% |
| True housing / take-homeRepayment plus rates, insurance, levies and maintenance. | 38.1% |
| Mandatory spending / take-homeHousing plus the categories marked essential. | 57.7% |
| Savings target / take-homeThe savings figure you chose, not a recommendation. | 7.4% |
Your figures
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Earner A
Earner B
This is a general information tool. It is an estimate based on the figures you enter and published rules, and it is not financial, credit, tax or legal advice. It does not assess your borrowing capacity, does not consider your personal circumstances and is not an offer of finance. Take-home pay is an estimate that excludes offsets, deductions, salary sacrifice and the Medicare levy surcharge. Verify every figure with your lender, conveyancer and a licensed adviser before making a decision.
Rules and sources
- Resident individual income tax rates 2025-26 — effective 2025-07-01 · Australian Taxation Office
- Medicare levy 2025-26 — effective 2025-07-01 · Australian Taxation Office
- HELP repayment rates 2025-26 (marginal) — effective 2025-07-01 · Australian Taxation Office
- Super guarantee 2025-26 — effective 2025-07-01 · Australian Taxation Office
- Living cost categories are indicative platform defaults, not measured household spending. Edit them to match your own.
- Rule set e32bc0e4-57515c3d-c6524a49-e2e8f3af