Calculators
Most people don’t wake up excited to run financial calculations. We get that, however a decent number are better than a hunch… especially when the stakes include your home loan, your investments, retirement, and even your superannuation, or figuring out aged care costs without flinching.
At Dialogue Financial, we built these tools with the same mindset we bring to our advice: keep it honest, keep it calm, and don’t dress things up just to impress. These aren’t “should I do it?” tools. They’re “what if I did?” tools—useful for gut checks, early insights, or stress-testing assumptions. You won’t find product pushes or guilt-tripping. Just calculators designed by a firm that values financial services with substance. Flat-fee advice. Straight answers. And yes, respect for your time. Each one of these is a quick scan—not a verdict. And if you try one and walk away with more questions than answers? That’s actually a great outcome. Because when the numbers don’t lie, it’s usually time to have a real conversation.
We’d be glad to talk. That’s kind of our thing.
Planning for Retirement
If you’ve got a date in mind (or even a vague age range) our retirement calculator can show if your current savings, superannuation, and income plans are enough to carry you through. It’s not final, however, it’s often the moment people realise what “enough” actually means.
Managing Debt
Multiple debts can drain your focus fast. Our tool shows whether smarter sequencing or different repayment strategies might free up cashflow—or end the slog sooner than you thought. Some clients say it was the first time debt started to feel… solvable.
Aged Care Options
If you’re worried about aged care costs, it’s usually not just the money. It’s the uncertainty. This estimator breaks down potential fees based on current rules—so you’re not planning blind, or guessing at numbers that shift when emotions already run high.
Evaluating Investment Choices
Returns aren’t everything, but they’re something. This calculator lets you test various growth rates, timelines, and contribution levels—so you can stop guessing and start framing a strategy that makes sense for your situation. (And no, we don’t assume magic returns.)
Assessing Superannuation Growth
Super often gets ignored until it’s suddenly… not optional. This tool shows what your current contributions and balance could amount to down the line—so you know if a minor tweak now avoids major regret later.
Budgeting for Major Purchases
Big goals? New car? Renovation? School fees? Our budget planner helps map it all out, so your long-term wealth management goals don’t get derailed by short-term splurges. Knowing what’s left over isn’t a luxury. It’s basic financial management. Now, individual calculator intros and tips:
BUDGET PLANNER CALCULATOR
Work out where your money is going
SAVINGS GOALS CALCULATOR
How long it will take to reach your savings goals
COMPOUND INTEREST CALCULATOR
How compounding increases your savings
YOUR NET WORTH
The strength of your current financial situation
Get in touch with us if you want more guidance on your financial decisions and how they may impact your future.
Borrowing & Credit
YOUR MORTGAGE CALCULATOR
What will my repayments be? How much can I borrow?
SWITCH MORTGAGE CALCULATOR
Will I save money by switching to another mortgage.
PERSONAL LOAN CALCULATOR
What will my repayments be? How much can I borrow?
CREDIT CARD CALCULATOR
How long it will take to pay off your card with only minimum repayments?
Get in touch with us if you want more guidance on your financial decisions and how they may impact your future.
Superannuation
EMPLOYER CONTRIBUTION CALCULATOR
How much super you should be getting from your employer
SUPER CO-CONTRIBUTION CALCULATOR
Eligible for a co-contribution from the Government?
HOW MUCH SUPER CALCULATOR
Work out how much super you’ll have when you get to retirement.
Get in touch with us if you want more guidance on your financial decisions and how they may impact your future.
Retirement
RETIREMENT PLANNER CALCULATOR
What income you are likely to have when you retire.
SUPER AND PENSION CALCULATOR
When can you get your super and apply for the pension
ACCOUNT-BASED PENSION
How long can you expect your pension to last?
REVERSE MORTGAGE CALCULATOR
How much your debt will increase over time
Get in touch with us if you want more guidance on your financial decisions and how they may impact your future.
Investing
Get in touch with us if you want more guidance on your financial decisions and how they may impact your future.