Tool Disclaimer

Affordly provides general financial estimates only. This applies to all tools on the site, including the affordability calculator, the subscription audit tool, the rent vs buy calculator, and the budget builder.

The results generated by Affordly's tools:

• Are not financial advice
• Are based solely on user-provided inputs
• Do not account for all personal financial circumstances
• Should not be relied upon as the sole basis for any financial decision

Affordability Calculator

Results are estimates based on income, expenses, and purchase price inputs you provide. They do not account for changes in interest rates, inflation, tax obligations, or other variable financial factors.

Subscription Audit Tool

The subscription audit tool calculates totals based on subscription amounts you enter and provides general spending tiers for informational purposes. It does not constitute a complete picture of your financial position and should not be used as the basis for financial planning decisions.

Rent vs Buy Calculator

The rent vs buy calculator provides estimates of the financial costs and trade-offs involved in renting versus purchasing a residential property in Australia. Outputs depend entirely on the values you enter and on regulatory rate data (stamp duty bands, First Home Owner Grant amounts, First Home Guarantee caps, and LMI premium estimates) that Affordly reviews periodically but cannot guarantee is current at the time of use.

In particular:

• Stamp duty, first home buyer concessions, and grant eligibility thresholds are set by state and territory governments and change periodically. You should verify current rates with the relevant state revenue office or a licensed conveyancer before making any financial decision.
• LMI premium estimates are indicative midpoints from published insurer schedules. Actual premiums vary by lender, insurer, and borrower profile — typically ±30% from the figures shown.
• First Home Guarantee eligibility is subject to criteria set by Housing Australia. The calculator checks property price caps only; income, citizenship, and other eligibility requirements are not assessed.
• Capital growth, investment return, and rent increase assumptions are illustrative defaults based on historical averages. Future performance may differ materially.
• The break-even analysis and 10-year wealth comparison are simplified models. They do not account for tax obligations (including capital gains tax), transaction costs beyond those shown, changes in interest rates, or your individual financial circumstances.

Always confirm figures with a licensed conveyancer, mortgage broker, and qualified financial adviser before making any property purchase decision.

Budget Builder

The budget builder generates a personal budget template based entirely on the amounts and frequencies you enter. Preset amounts are illustrative Australian averages included as a starting point only — they do not represent what you should spend, and your actual costs will vary based on your location, household size, lifestyle, and individual circumstances.

In particular:

• The tool does not account for tax obligations, government benefits, superannuation, or other income and deductions that affect your true financial position.
• The couple split feature assumes all expenses are divided equally between two people. It is a display convenience only and does not model actual household income-sharing arrangements.
• Spending benchmarks referenced in the FAQ (such as the 50/30/20 rule and the 30% housing guideline) are commonly cited averages and are not applicable to every household situation.
• Exported CSV and JSON files contain only the data you entered. Affordly does not verify, store, or transmit this data.

The budget builder is intended to help you organise and visualise your expenses. It is not a substitute for professional financial planning advice.

Users should independently verify all results and seek advice from a qualified financial adviser where appropriate.