Sunday, 6th July 2008
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12°C (Adelaide)
How Much Can I Borrow? Calculator
This calculator provides an estimate of the maximum you can borrow, taking into account your monthly income and expenditure and current interest rates. This calculator also builds in a buffer for interest rate rises.
Income and Expenditure Worksheet
Use the income and expenditure worksheet to calculate how much you can afford to borrow.
Basic Repayment Calculator
Enter the interest rate, the term of the loan and the amount you are borrowing to get the minimum monthly repayment and the amount of interest paid.
Fixed vs Variable Interest Rate Calculator
This simulator allows you to analyse the choice of a fixed or variable rate by modeling changes in the variable interest rate and comparing the amount repaid during the period and the outstanding loan balance at the end of the period.
Mortgage Broker Checklist If you're planning to use a mortgage broker to help you find the perfect home loan, there is some information you should find out from your broker before you start.
Loan Repayment Calculator - Work out what your minimum weekly, fortnightly or monthly loan repayments would be for any borrowed amount.
Extra Repayments Simulator - Find out how much you can save in interest and shorten your loan term by making additional repayments over and above your current monthly repayment.
Lump Sum Repayments Simulator - Find out how much you can save in interest and shorten your loan term by making a one-off lump sum repayment on top of your current monthly repayment.
Split Loan Simulator - Splitting your home loan into fixed and variable rate portions can provide insurance against future changes in interest rates that we can't predict. Use this tool to calculate your repayments and total interest under different fixed and variable rate scenarios.
Loan Comparison Calculator - Select any two home loans on the market for a direct cost comparison. Determine which is the cheapest in total fees and interest over the life of the loan.
Stamp Duty Calculator - Work out how much stamp duty will be payable on the purchase of your new home.
Principal & Interest Calculator - Work out what portion of each monthly repayment is principal and what portion is interest.
Lenders Mortgage Insurance Estimator
In nearly all cases, if you borrow more than 80 per cent of what the lender considers to be the value of the property they will ask you to pay their mortgage insurance. This handy estimator determines how much this is likely to cost you.
Home Cost Estimator
This calculator allows you to estimate the total cost of purchasing a property including all those nasty hidden costs.
Rent vs Buy
This tool allows you to compare your estimated financial position after seven years of renting with your estimated financial position after seven years of home loan repayments.
Buy Then Sell or Sell Then Buy
This estimator provides an indication of the costs you will face depending on the order in which you sell your old home and buy your new one.
Relocation Timeline
This calculator takes your specific moving details and produces a customized timeline. This can then be printed out in the form of a checklist to tick off tasks as they are completed.
Can I Afford An Investment Property?
This tool provides an estimate of how much an investment property will cost. It combines the cash operating revenue and the cash operating expenses with the change in the amount of income tax paid to measure the net change in the investors income due to the investment property.
At Call Category Page
At Call Savings Compare Tables
Business Loans Category Page
Business Loans Compare Tables
Calculate
Credit Cards Category Page
Credit Cards Compare Tables
Debentures Category Page
Debentures Compare Tables
Homeloans Category Page
Homeloans Compare Tables
Non Conforming Category Page
Non Conforming Compare Tables
Non Conforming Product Types
Online Banking Category Page
Online Banking Compare Tables
Personal Loans Category Page
Personal Loans Compare Tables
Term Deposits Category Page
Term Deposits Comparison Tables
Margin Lending Calculator - Borrowing Cash
Margin Lending Calculator - Increase Portfolio
Margin Lending Calculator - Gearing Simulator
Margin Lending Calculator - How Much Can I Borrow?
Margin Lending Calculator - Code Lookup
Margin Lending Calculator - LVR Lookup
Margin Lending Comparison Tables
Margin Lending Category Page
Online Broking - Brokerage Calculator
Online Broking - Fee Compare Graph
Online Broking Comparison Tables
Online Broking Category Page
Savings Plan Simulator - Set yourself a savings goal and project how much you can accumulate over time from an initial contribution and regular ongoing deposits.
Budget Planner - Try our Budget Planner. Enter your annual income and expenses to assess your financial position.
Statement of financial position. Check your financial position and overall financial capacity.
Retirement planner
Could your super and the age pension be enough to give you the income you would like to have when you retire? Ask the FIDO retirement planner to crunch the numbers and show you.
Account-based pension calculator
An account-based pension or annuity is one of the products you can buy with your super when you retire. Account based pensions are also known as allocated pensions.
Term allocated pension calculator
What pension could you get from this retirement income product? Includes options for investments, term and amount of pension, fees, compare products.
Reverse mortgage calculator
See how your reverse mortgage debt builds up and may affect how much of your home you still own as time goes by.
Rates
Income tax
Individual income tax rates - Shows the percentage of tax payable for each income bracket, for individual Australian taxpayers, for the financial year 2006-07 and 2007-08.
Individual income tax rates for prior years - Shows the percentage of tax payable for each income bracket, for individual Australian taxpayers, for prior financial years.
PAYG withholding
Students and graduates
Calculators
Income tax
International
Families
Medical
PAYG withholding
Payments
Seniors
Students and graduates
Superannuation
Work related expenses
Other calculators
Other tools
Adelaide Service Centre
Level 8, 100 Pirie Street
Adelaide SA 5000
Hours 9am - 5pm
GPO Box 9854
Adelaide SA 5001
Phone: (08) 8202 8500
Fax: (08) 8202 8510
Forms are available from the ASIC site here - but you may also wish to install Forms Manager that is available free from GovForms.
This includes Smart Forms - PDF versions that you can complete on your computer
Please give us feedback about your experiences using Foolkit and ideas for improvements.
Adelaide Office
14th Floor, ANZ House
13 Grenfell Street
Adelaide SA 5000
GPO Box 922
Adelaide SA 5001
Phone: (08) 8213 3444
Fax: (08) 8410 4155
There are also bodies appointed to resolve disputes within particular Industries, Departments or particular areas of concern.
For a list of programs and assistance and bodies to contact see:
The Business Licence Information Service (BLIS) provides details of all licences you may require to operate your business in Australia, including Commonwealth, State/Territory and Local Government requirements.
You can also check details of licences held by builders, land agents etc. at Office of Consumer & Business Affairs.
For information on State Industrial Relations, Occupational Health and Safety, Licences controlled by them and Industries see the SafeWork SA website.
Service SA is the State Government's one-stop contact point for Government information and services.
South Australia Central is the Gateway to South Australian Information and Services. It is a directory containing over 9000 links to South Australian websites.
SA Central will link you to South Australian Businesses, Schools, Accommodation, Attractions, National Parks, Health, Community and Government Services just to name a few.
In South Australia the registration of business names is controlled by the Office of Consumer and Business Affairs. For general information see the Office of Consumer and Business Affairs web site. and here for forms
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