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Budget Planner

Make saving easier with a clear picture of your income and expenses.

Budget planner

Get a clear idea of where your money is going.

Other tools and calculators

Borrowing power

Discover how much you can afford to borrow

Repayment Calculator

See what your home loan repayments could be.

Stamp duty calculator

Work out the cost of stamp duty for your state or territory.

Deposit planner

Set a savings goal for your home loan deposit.

Key fact sheet

Get an overview of the overall costs of a home loan.

Personal loan calculator

Know what your car loan or personal loan repayments might be.

Buying or refinancing

Looking to buy a home or refinance your loan?

First home buyer

Deposit at the ready? We can help with a loan for your first home

Investment property

Need finance for your investment property portfolio?

Why switch to Cairns Bank?

Competitive interest rates

Personal service

Access your money when you need it

$0 monthly account keeping fees

Budget planner FAQs

Who is Cairns bank?

Cairns Bank is the trading name of Cairns Penny Savings & Loans Ltd. We’ve been supporting the Cairns community with their banking needs for over 125 years.

We take pride in our personal approach to banking. Getting to know our customers and delivering simple products and services is what we’re all about.

And as a customer owned bank we make decisions based on our customers’ needs, rather than the needs of shareholders.

We understand that it is important to have a clear idea of your financial situation. That’s why we have designed a range of calculators that will allow you to see everything from what the cost of stamp duty could be for home loan borrowers, to an overview of where your money is going each month to how much you will pay in repayments and interest over the life of the loan.

Take the time to run the numbers according to your specific scenario, but keep in mind that our calculators only provide a general overview. Our friendly team is always here to help. Book an appointment with our lending specialists.

Give us a call on (07) 4031 4460 or email us at and book in a time to come and chat.

If you punch the numbers into our budget planner and find that your budget needs a little love, the good news is there are plenty of things you can do. Start with some of the following saving tactics1:

  • Ensure that your savings are in a high interest savings account, so that you’re earning interest on the balance daily.
  • Set up a direct debit each pay day to automate savings.
  • Find out if there are any penalties for withdrawing from your savings account, as this could reduce the interest you receive.
  • If you have debt, such as credit card balances or personal loans, pay down the debt with the highest interest rate first.
  • Create a buffer for unexpected expenses.

Happy budgeting!  

Apply for a savings account today

To find out more or to apply for a savings account book an appointment with our friendly team.