The bank told you what you could borrow. Nobody showed you what you're carrying. Five fields, thirty seconds — see how much of your income interest is taking now, and what a rate move does to it.
Your numbers
%
Interest alone is taking
— of your gross income
—
The rate ladder — cuts and rises, what each move does
Rate
Monthly repayment
Interest % of income
Total % of income
You vs the nation — share of gross income going to mortgage interest
National avg today 5.4%*
1989 national peak 5.7%*
You —%
You at +2% —%
*National figures are averaged across every household in the country — including the majority with no mortgage at all. Economists already call today's 5.4% "1989-level pain." Your household carries the concentrated version of that number.
Where your debt would need to be
Get the full breakdown
Your complete stress profile plus the analysis behind these numbers — how 4.35% became more dangerous than 17%.
Done — check your inbox. (Prototype: connects to your list at launch.)
General information only — not financial advice, and no account is taken of your personal circumstances. Income and balance ranges are calculated from the midpoint of the selected bracket. Calculations assume a constant rate over the remaining term, monthly repayments, and interest measured over the next 12 months on the current balance. Figures are estimates for illustration. National comparison figures are aggregate household interest payments as a share of household income (RBA/ABS derived) and include households without mortgages. Nothing is stored: all calculation happens on your device.