Honest financial tools built for Australians. Your numbers never leave your browser — no account, no nonsense.
01
Flagship Tool
Enter your income, expenses and the price tag. See how the purchase fits against your financial picture — including long-term cost of ownership.
02
Subscription Tracking
Netflix, Spotify, Adobe, gym… add them all up and see what your subscriptions are actually costing you each year. Get your Subscription Score and a breakdown by category.
03
Property
Stamp duty by state, LMI, First Home Buyer grants, ongoing costs, break-even timeline and 10-year wealth comparison — the full picture.
04
Budgeting
Pick from 60+ Australian expense categories, set payment frequencies, and export a formatted budget report to Excel or CSV, or save as JSON to edit later.
The flagship tool. Enter your monthly take-home income, regular expenses, and the price of what you want to buy. The calculator produces a five-tier verdict (Can't Afford to Easily Affordable), models optional financing, projects the opportunity cost of investing the money instead, and calculates your debt-to-income ratio. Covers cars, fashion, electronics, jewellery, travel, and home & furniture — each with category-appropriate benchmarks.
Add each of your recurring subscriptions — streaming, software, gym memberships, news, cloud storage — and see the true annual cost. The tool calculates a category-by-category breakdown, generates a Subscription Score, and shows what that spend amounts to annually. Runs entirely in your browser with no data stored.
The most comprehensive free rent vs buy tool in Australia. Calculates stamp duty for all 8 states and territories using current 2025–26 rate bands, models Lenders Mortgage Insurance (LMI) based on your LVR, applies state-specific First Home Owner Grants and the federal First Home Guarantee, and produces a month-by-month break-even analysis alongside a 10-year net wealth comparison for buying versus renting and investing the deposit difference.
Pick your expenses from 60+ pre-filled Australian categories — housing, transport, food, health, entertainment, family, pets, finance, and education. Set each item's amount and payment frequency (weekly, fortnightly, monthly, quarterly, or annual). The tool normalises everything to monthly and annual totals, shows a category-by-category breakdown, and lets you set your monthly take-home to see what percentage of income each area claims. Toggle couple mode to split totals per person.
Excel export — produces a formatted .xlsx budget report with three sections: a Budget Summary (total items, monthly and annual spend), an Income section showing your take-home, per-person share in couple mode, and budget as a percentage of income, and a Detailed Breakdown with every item grouped by category. Each category row includes a proportional bar chart in the % of Total column so you can see at a glance which areas dominate your budget.
Also exports as CSV for raw data use in Excel or Google Sheets, or save as JSON to import back into the tool and pick up exactly where you left off. Everything runs in your browser — nothing is stored.
Your data stays private. Every Affordly calculator runs entirely in your browser. We never see your numbers, never store them, and there's no account required — ever.