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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.

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Savings

Home loans

Term deposit

Expenses

 


Savings

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Savings and account comparison

Want to compare our savings accounts?
 

Compare savings accounts

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Savings calculator

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

Savings calculator

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Savings booster calculator

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

Savings booster calculator

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Budget planner

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

Budget planner


Term deposit

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Term deposits comparison

Want to compare our term deposits?
 

Compare term deposits

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Term deposits calculator

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

Term deposit calculator


Home loans

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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

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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

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Home loan repayments

Estimate my home loan repayments.
 

Repayments calculator


Expenses

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Understand your expenses

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

Expenses calculator

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 746kB) and the Financial Services Guide (PDF 104kB) which are available at anz.com or by calling 13 13 14 before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

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Open your first ANZ Online Saver account and you'll receive an introductory fixed bonus rate of % p.a. for 3 months, on top of the ANZ Online Saver standard variable rate (currently ).  After 3 months, the ANZ Online Saver standard variable rate, applicable at that time, will apply. The introductory fixed bonus rate is only available on the first ANZ Online Saver account opened by customers who have not held an ANZ Online Saver in the last 6 months. In case of joint account holders, the introductory fixed bonus rate offer will only be received if all customers are eligible.

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Bonus interest is subject to eligibility. ANZ Progress Saver pays bonus interest (in addition to the current variable base interest) in respect of a particular month if the set minimum deposit (currently $10) and no withdrawals, fees or charges are processed to the account on or before the last business day of that calendar month, and after the last business day of the previous calendar month. Bonus and base rates are variable and subject to change.

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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.

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Early withdrawal fees may 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 the next business day). Refer to the ANZ Saving and Transaction Products Terms and Conditions (PDF 746kB) for further details.

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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. Special term rates do not quality for 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, 6, 8 and 12 months, as well as all term lengths of greater than 12 months. For Term Deposits, this applies to all term lengths.

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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).

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