Fair Dinkum Financial Reality
Australia's free financial tools — see the full picture
Enter your income and a price. Get an honest verdict on any purchase, free in your browser, no sign-up.
Enter your income and a price. Get an honest verdict on any purchase, free in your browser, no sign-up.
Estimated figures
* Approximate figures based on available Australian consumer research and industry data. Not individually cited.
Free Tools
All free. No sign-up. Your numbers never leave your browser.
Affordability Calculator
From a Ford Ranger to a Miu Miu bag — category-specific benchmarks and a clear verdict.
Simple as
No accounts, no email, no fine print.
Income, expenses, savings — takes 60 seconds.
Name, price, category — cash or finance, we handle both.
Five verdict tiers, savings impact, and opportunity cost — all in one view.
What you actually get
Enter rate, term, and deposit. Get exact monthly repayments, total interest paid, and a debt-to-income flag before you sign anything.
From "Comfortably done" to "Mate, put it back" — a plain-English verdict calibrated to your income, not some arbitrary number.
Every result shows what that money could grow to in 10 years if invested instead. It's the figure that makes people actually reconsider.
The calculator
Enter your numbers below. The calculator returns a clear breakdown of how a purchase fits your financial picture. No sign-up, no data stored.
We don't store ya data. We're just here to dob on your spending habits.
Affordly is an educational budgeting tool. It provides general estimates to help users understand potential financial impacts of purchases. It does not consider your full financial situation and should not be treated as financial advice.
Results are estimates based on the information you provided and may not reflect your full financial situation. Not financial advice. Learn more →
From the Insights
The 10–20% income rule, true cost of ownership, new vs used, and what dealer finance is really costing you.
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Real numbers on deposit opportunity cost, true ownership costs, and when buying actually makes financial sense.
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Lifestyle creep, the monthly payment trap, and why we consistently overestimate what we can afford.
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The average Aussie spends over $1,000/year on recurring services — and most underestimate that by half.
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Honest breakdown of the top apps Australians are using to track spending — what works, what's overhyped.
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