skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

Personal banking calculators and tools

ANZ provides a range of calculators and tools designed to help you. Want to find which account could best suit your needs, how much you need to save to reach your savings goal or how to set a budget? You’ve come to the right place.

Jump to

Quick links


Home loans

Term deposit




savings balance sheet

Our savings accounts

Want to explore our savings accounts?


Explore savings accounts

hand holding a nest egg

Savings calculator

Work out how much money you could put away to achieve your savings goal.

Savings calculator

dollar sign over a graph showing growth

Savings booster calculator

See how you could boost your savings just by changing a little habit.

Savings booster calculator

calendar icon

Budget planner

Want a simple and easy to use tool that could help you plan your budget?

Budget planner

Set a savings goal icon

Setting a savings goal

Keep motivated - you can set and track a goal in the ANZ App on your ANZ Online Saver or ANZ Progress Saver accounts.

Learn more

Term deposit

two documents with checklist

Our term deposits

Want to explore our term deposits?


Explore term deposits

arrows showing savings going up

Term deposits calculator

Find out how much you could earn on your savings with an ANZ Term Deposit.

Term deposit calculator

Home loans

how much can I borrow icon

How much could I borrow?

Get a quick estimate on how much you may be able to borrow based on your current income and existing financial commitments.

Borrowing power calculator

dollar sign inside wheel

Home loan deposit calculator

Do you have enough for a home loan deposit? Use this calculator to estimate how much you’ll have left after stamp duty and other upfront costs.

Deposit calculator

illustration showing debt going down

Home loan repayments

Estimate my home loan repayments.

Repayments calculator


bank card icon

Understand your expenses

Knowing how you spend your money can help you budget and plan for your future financial goals.

Expenses calculator

Your Money Report icon

Get to know your money better

Understanding your spending is a good way to find opportunities to save. Your Money Report in the ANZ App is a tool designed to help you do this.

Your Money Report

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the ANZ Saving & Transaction Products Terms and Conditions (PDF) and the Financial Services Guide (PDF) which are available at or by calling 13 13 14 before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

ANZ App for Android is only available on Google Play™. ANZ App for iPhone is only available from the App Store.

Tools, templates, checklists, and calculators (“ANZ Tools”) linked or referred to on this page, are only some of many ways to analyse your needs or to assist with your planning and decision making. You should seek the assistance of your accountant, business or other advisor when either planning for or analysing your needs.

To the extent permitted by law, all members of the ANZ group of companies, their employees, officers and contractors (“ANZ“), offer no warranty and disclaim liability or responsibility to any person for any actions, claims, costs, demands, liability, or direct or indirect losses or damage that may result from using or relying on the information set out in the pages or the ANZ Tools, and/or any act, omission or error, by any person in relation to them. To the extent permitted by law, ANZ makes no warranty and has no liability in respect of your use and reliance. ANZ Tools are also subject in many cases to further specific cautionary wording and disclaimers which you should read.

You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.

A minimum deposit of $5,000 is required to open an ANZ Advance Notice Term Deposit or an ANZ Term Deposit. This calculator has been set to a maximum deposit of $4,999,999. However, investments of $100,000 or more may be subject to different interest rates than those provided in this calculator. Please call 13 33 33 or visit your nearest ANZ Branch to discuss your term and interest rate for an investment of $100,000 or more.


Early withdrawal fees will apply. An administration fee of $30 will be charged and the account will incur an interest reduction in respect of the money withdrawn or transferred early. An ANZ Advance Notice Term Deposit has a 31 day notice period. This means that if you request an early withdrawal or transfer of all or part of your funds, the funds will not be provided until the 31st day after the request (or, where that is a non-business day, on or before the next business day). Refer to the ANZ Saving and Transaction Products Terms and Conditions (PDF 746kB) for further details.


Interest rates current as at  and subject to change at any time. Different interest rates apply to each term deposit product and to different investment amounts, term lengths and interest frequencies. Early withdrawal fees may apply. Certain rates do not qualify for additional bonus interest rates and are not available in conjunction with any other bonus or special interest rate offer. For Advance Notice Term Deposits, this applies to investment terms of 3, 4, 6, 9, 11 and 12 months, as well as all term lengths of greater than 12 months. For Term Deposits, this applies to investment terms of 3, 6, 9 and 12 months as well as all term lengths of greater than 12 months.


The principal difference between an ANZ Advance Notice Term Deposit and an ANZ Term Deposit (apart from the interest rate that applies) is that you must provide 31 days’ notice to ANZ if you wish to make an early withdrawal or transfer of all or part of your funds from an ANZ Advance Notice Term Deposit account. Further details are set out in ANZ Saving and Transaction Products Terms and Conditions (PDF 746kB).