AutoCalc turns payslips into structured income, lender-by-lender servicing results, the stamp duty and cash your client needs at settlement, and prefilled calculator exports — without retyping the same deal again and again.
Upload the payslip, review the income, compare the scenario, check the cash needed to settle, and download the prefilled calculators — one clean case file, no duplicate data entry.
AI assists with payslip reading. You review the income. The borrowing-capacity maths is rule-based and lender-specific.
Drop a payslip PDF and every income component is read out in seconds — deterministic, reviewable, no maths done by AI. Prefer to type it? Manual entry unlocks the same results.
YTD-to-annual conversion with bank-specific history rules and overtime gating applied automatically.
Every lender's income shading rates, assessment buffers, and living-expense rules — always current, never guesswork.
Ask a lender policy question in plain English — overtime, casual, bonus, HECS, DTI — and get the answer beside your results, every claim linked to the passage in the lender's own document so you can check it.
Borrowing capacity updates the moment you change income or loan details. No recalculate button.
Cash in against cash out on one worksheet — price, stamp duty, fees and the debts the new loan clears, against the loan, savings, a gift, sale proceeds and the grant. Ends in a surplus or a shortfall, with duty and grants for all 8 states and territories.
Max borrowing, UMI, and shading breakdown lined up column-by-column across every major lender.
Each bank's own serviceability spreadsheet, filled straight from your case data and ready to download.
Parsed in memory, then discarded — never written to disk or S3. Extracted figures live only inside a case you save. Calculations are deterministic, no AI.
Turn off your wifi after choosing a payslip. Preview and redaction still work — because they run on your device, not ours.
Hosted in AWS Sydney (ap-southeast-2). Client data stays in Australia.
Calculate for free. Pay when you need exports, more banks, and a higher payslip-parse limit.
All prices exclude GST · Cancel anytime
Get started with 3 lenders — no credit card required.
Full access for active brokers with regular deal flow.
For high-volume brokers and multi-staff offices.
Sign up now and your 5 seats are yours for good — whatever we change later.