Down Payment Calculator
A free, browser-based calculator. Runs entirely in your browser — no sign up, nothing stored.
100% FreeRuns in your browserBasic
Enter Values
Enter your values and press Calculate to see results.
How to use this calculator
- Enter the purchase price and your deposit percentage.
- Read the deposit amount and the loan you'll need.
How it works
Deposit = price × percent ÷ 100; the loan is the rest of the price.
Worked example
$500,000 at 20% down. Deposit $100,000, loan $400,000.
Common mistakes
- Forgetting upfront costs beyond the deposit — stamp duty, legal and inspection fees.
- A deposit under 20% often triggers lenders mortgage insurance (LMI).
Frequently asked questions
How much deposit do I need?
Often 20% to avoid LMI, though many loans allow less. Check with your lender — this tool just does the maths.
Related tools
Tip: Enter any known values to calculate the remaining results.
All calculations run in your browser. Your inputs are never saved or transmitted.