Clear, actionable insights
LoanMetric turns complex calculations into clear outcomes you can use in real decisions, from repayments and borrowing power to side-by-side scenario planning.
A product by Observable
LoanMetric
Smarter loan decisions, instantly
LoanMetric is an AI-powered financial calculator platform for Australians to understand loans, compare scenarios, and make clearer decisions.
What is LoanMetric
LoanMetric is a practical financial calculator platform designed for the Australian market. It helps users understand repayments, borrowing power, and outcomes with realistic assumptions, interactive tools, and AI-powered insights.
Make complex financial decisions clearer
LoanMetric turns complex calculations into clear, actionable insights.
Calculate repayments instantly
Understand the true cost of loans
Compare multiple financial scenarios
Explore what-if outcomes
Receive AI-generated explanations
What you can do with LoanMetric
Loan Calculations
- Home loans
- Car loans
- Investment property loans
- Refinance scenarios
Borrowing & Financial Analysis
- Borrowing capacity
- Equity insights (expanding)
- Pay / take-home income
Scenario Comparison
- Compare interest rates
- Compare loan terms
- IO vs P&I
- Repayment frequency
AI-Powered Insights
- Plain-English explanations
- Cost drivers (interest, fees)
- Suggestions to improve outcomes
- Risk indicators
Realistic Modelling
- Fees and ongoing costs
- Balloon payments
- Interest-only loans
- Lender-style repayment views
Understand your loan beyond the numbers
LoanMetric doesn't just calculate — it explains. Each scenario includes clear summaries, key cost drivers, and insights that help you understand what actually matters.
Designed for Australian conditions
- Local lending assumptions
- Serviceability concepts (APRA-style buffers)
- Tax considerations for investment scenarios
- State-based differences (expanding)
What makes LoanMetric different
Combines calculators with AI insights
Uses real-world assumptions, not just textbook formulas
Designed for scenario exploration, not just single outputs
Clean, modern, fast interface
Built as a growing financial decision platform
Common questions LoanMetric helps answer
Can I afford this home?
How much can I borrow?
Should I refinance?
What will my car loan really cost?
Is this investment property cashflow positive?
What is my actual take-home pay?
Built with modern tools, reviewed by engineers
LoanMetric is developed using modern AI-assisted workflows to speed delivery, with code quality, architecture, and security reviewed by experienced engineers.
Where LoanMetric is going
LoanMetric is evolving into a comprehensive financial decision platform for Australians, with deeper insights, broader tools, and smarter guidance over time.
Transparency and methodology
Realistic assumptions
LoanMetric uses standard financial formulas and includes real-world factors such as fees, loan structures, and repayment variations.
Built for Australian conditions
Calculations are tailored to Australian lending concepts and common financial scenarios.
AI-assisted, human-reviewed
LoanMetric uses AI-assisted workflows to generate insights, with outputs reviewed for clarity, consistency, and accuracy.
General information disclaimer
LoanMetric provides general information only and does not constitute financial advice. Users should consider their personal circumstances and seek professional advice where appropriate.
Explore LoanMetric
Explore financial scenarios with practical tools designed for real decisions.