Settlement Funds Calculator
Add up the cash you need on settlement day, including deposit balance, duty, fees and adjustments, using your own figures.
Your results
Calculation breakdown
- Settlement cash
- (price − deposit paid) + duty + fees + adjustments
Worked example
A $600,000 purchase with $60,000 already paid, $22,000 duty, $2,000 fees and $500 adjustments needs about $564,500 at settlement.
Assumptions
- Excludes any LMI paid upfront in cash rather than capitalised into the loan.
- Assumes the deposit already paid is not part of the loan drawdown.
How this calculator works
This calculator totals the funds required to complete settlement, combining the balance of the purchase price after your deposit with duty, legal fees, registration fees and rate adjustments you enter, giving one settlement-day cash figure.
Frequently asked questions
What is a rate adjustment?
It's a proportional payment reimbursing the seller for council rates or strata levies they've prepaid for a period after settlement.
Should I include LMI in this total?
If LMI is capitalised into your loan it isn't needed in cash; if you're paying it upfront, add it as an extra cost.
Do I need a buffer above this figure?
Yes, it's wise to keep a small buffer for unexpected adjustments or timing differences at settlement.
Results are estimates only and are not financial, tax, legal or credit advice.