How to Use our Tax Debt Loan Payment Calculator
Our tax debt loan calculator is a guide to show you the potential savings for a refinance of your tax debt using your home.
Simply fill in the fields below.
The amount of tax debt you owe
How much you owe on your home loan.
Click Calculate and your final payment will be estimated.
Tax Debt & Debt Consolidation Calculator – Compare ATO Payment Plans vs Loans
Find out how much can you save with debt consolidation
Our Tax Debt & Debt Consolidation Calculator helps you compare your current ATO payment plan for tax debt or high-interest debts against a consolidated home-loan-based solution. By entering your existing mortgage, credit cards, personal loans, and tax debt, you can see how consolidating may reduce monthly repayments, simplify cash flow, and provide a clearer long-term strategy for managing tax liabilities. This calculator supports informed decision-making across different tax debt solutions in Australia, allowing you to assess outcomes before choosing a strategy.
How to Use our Tax & Debt Consolidation Payment Calculator.
1. Add your home loan details including your loan amount, loan repayments and interest rate. Click "Add Mortgage" to add another home loan.
2. Update in the same way, existing debts such as Credit cards, Auto or personal loans & ATO tax debt details.
3. The calculator will automatically calculate your final home loan repayment. However, you may also adjust loan term, and the interest rates.
4. View & print your report to show your improved financial situation, including a clear ATO tax debt vs consolidation comparison.
This tax debt and debt consolidation calculator assumes: A minimum ATO repayment based on an indicative interest rate of 10.90% (subject to change). Typical ATO payment plans running over two years. A consolidated home loan interest rate of approximately 6.60% p.a. over a 30-year term, with principal and interest repayments. Actual loan terms, interest rates, and outcomes may vary. This calculator is provided for informational purposes only and should be treated as a general guide. For a tailored assessment of your circumstances, including serviceability and expected benefit, contact Loan Saver Network on 1300 796 850. However, please review the Money Smart Website for Australian Government Information on Debt Consolidation Calculators.
Frequently Asked Questions
Your Guide to Australian Taxation Office Payment Plans and Loans for Tax Debt
Struggling with tax debt? You’re not alone. Whether you’re looking for an Australian Taxation Office payment plan or exploring loans for tax debt, understanding your options is the first step toward financial relief. Below, we’ve answered some common questions to help you navigate your tax obligations and find the right solution for your needs.
Debt consolidation is the process of combining multiple debts—such as credit cards, personal loans, and other outstanding payments—into a single loan with one monthly repayment. This approach can simplify your finances, lower your interest rates, and help you pay off debt faster. At Loan Saver, we specialise in tailored debt consolidation solutions to suit your financial needs.
Learn more about how Loan Saver can simplify your finances with debt consolidation here.
A debt consolidation calculator helps you estimate how much you can save by consolidating your debts. By entering details like your total outstanding debt, current interest rates, and repayment terms, the calculator provides an approximate monthly repayment amount for a consolidated loan. This tool helps you understand potential savings and plan your finances better.
Try it for yourself! Use our debt consolidation calculator to estimate your monthly savings and take control of your finances.
Yes. Debt consolidation can often reduce your monthly repayments by combining multiple debts—such as credit cards, personal loans, and ATO tax debt—into a single loan. This is typically achieved through a lower interest rate, a longer loan term, or a combination of both.
As a result, many borrowers experience improved cash flow, simpler budgeting, and reduced financial stress. However, the level of savings will depend on factors such as your existing interest rates, remaining loan terms, and the structure of the consolidated loan.
To see how this works in practice, review our real tax debt consolidation case study, which shows how monthly repayments were reduced by restructuring ATO debt into a single, manageable loan.
This depends on your cash flow, total tax debt, and long-term strategy. ATO payment plans are often suitable for short-term or smaller debts, while tax debt consolidation may be appropriate where repayments are unsustainable, or enforcement risk is increasing.
Using this calculator can help you compare both options before deciding.
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