Loan calculations
- Home, car, and investment loans
- Repayment scenarios
- Loan structure comparisons
A product by The Observable
LoanMetric
Personal Finance Dashboard and loan calculators for Australians
LoanMetric combines Australian loan calculators with My LoanMetric — a private Personal Finance Dashboard. Track expenses, manage income and loans, and model financial scenarios before you commit.
LoanMetric provides estimates for general information purposes only. Results are not financial advice. Consult a qualified financial adviser before making financial decisions.
What is LoanMetric?
LoanMetric is a Personal Finance Dashboard and loan calculator suite built for the Australian market. My LoanMetric brings together expenses, income, loans, household finances, statement imports, bank connections, and saved scenarios — so your numbers make sense together in one private, secure workspace.
What you can do with LoanMetric
Borrowing and affordability
- Borrowing power checks
- Income and expense modelling
- Cashflow trade-off visibility
Personal Finance Dashboard
- Expense tracking and statement import
- Income and loan management
- Household finance overview
- Bank connections
- Saved scenarios and dashboard insights
My LoanMetric — Personal Finance Dashboard
Beyond the calculators, My LoanMetric is a free private workspace where Australians manage their full financial picture day to day. No credit card required.
Dashboard
See income, expenses, loans and key financial insights together in one view.
Expenses
Track spending categories and import bank statements for automatic transaction mapping.
Income
Manage household income sources and understand your real cash flow.
Loans
Monitor loan commitments, repayment schedules, and outstanding balances.
Household
Organise finances across family members in one shared workspace.
Bank Connections
Securely connect accounts to import transactions automatically, or upload statements manually.
Free to use. No credit card required. Sign in with a one-time email code.
Transparent modelling for real Australian decisions
LoanMetric uses Australian assumptions and openly documented methodology so you can see exactly how calculations are formed, compare scenarios with confidence, and understand the trade-offs before making financial commitments.
Calculators, borrowing checks, scenario comparison, and AI insights all in one workflow — designed for practical personal decisions, not generic spreadsheet output. Read our methodology →
AI-assisted, engineer-reviewed
LoanMetric is built using AI-assisted workflows across design, engineering, and testing — with experienced engineering review at every step. You get the speed of AI tooling without compromising on clarity, security, or reliability.
Explore LoanMetric
Track expenses, model loans, and understand your full financial picture with Australia's Personal Finance Dashboard.