Free, practical financial tools built for Australian borrowers and mortgage professionals.
Oney Tools is a collection of calculators and assessment tools designed to help you understand borrowing capacity, evaluate deals, and navigate the lending landscape — without the jargon.
First home buyers, investors, and property owners who want to understand their financial position before speaking with a broker.
Brokers and bankers who need quick, reliable calculators for client conversations.
Yes. All tools on this site are completely free to use. No sign-up required.
All calculations happen locally in your browser. No data is sent to any server, and we do not collect or store any information you enter.
Our tools use standard lending formulas and current market assumptions. Results are indicative and should be used as a starting point, not a definitive assessment. For complex situations, always verify with a licensed professional.
Oney Tools is built and maintained by Oney & Co, an Australian financial services company. Our team has 8+ years of experience in business and mortgage banking.
Yes. These tools are designed to be practical for professional use. We ask that you verify outputs independently before presenting to clients.
We update our tools regularly to reflect changes in market rates, APRA guidelines, and lending policies. Check back for the latest versions.
Not at this stage. All tools are available for free use via this website.
Please contact us at hello@oneyco.com.au with details of the issue.