We have high call volumes due to COVID-19, but we are here to help. For info, or to apply for COVID-19 home loan support see rams.com.au/covid-19-assist. We will contact you as soon as possible.
  • Calculate your borrowing profile or check out our savings calculator to see how long it will take to save for a deposit.

  • Budget planner

    Having a clear idea of what your budget looks like, by combining multiple income and expense flows, allows you to plan ahead, work out where your money is going, and what your net disposable income is after tax.

    Do you wish to calculate your budget? Our handy tool can help! For best results, fill in a few details, select your income and expense items from the list (or create your own) to plan your budget and estimate how much you could save towards your life goals.

  • Income after tax

    Total income

    ${{budgetIncome.getTotalValueByPeriod(budgetIncome.resultPeriod.use) | number: 2}}

    Expenses

    Total expense

    ${{budgetExpense.getTotalValueByPeriod(budgetExpense.resultPeriod.use) | number: 2}}

    Total expense: ${{budgetExpense.getTotalValueByPeriod(overallResultPeriod.use) | number: 2}}

    Total income: ${{budgetIncome.getTotalValueByPeriod(overallResultPeriod.use) | number: 2}}

    You could earn bonus interest on your savings with a RAMS Saver account

  • Other calculators and tools you might want to check now:

    Whether buying a new home, refinancing an existing home loan or investing in property, RAMS mortgage calculators can give you an estimate of what your repayments could be, based on your home loan amount, your loan type and the interest rate you think you'll be paying.  Once you get an idea of your mortgage repayments from the calculator, together with the rest of your budget, you'll start to see whether you can realistically afford the home you want to buy.  Your local RAMS franchisee can also help guide you through this process.  

    View all of our calculators.