Walk-away price calculator
Enter your loan and deposit, and BidAI works backwards to the highest price you can pay once stamp duty and your other buying costs are covered. Set that as your limit before auction day.
Enter a loan or deposit amount and choose NSW, VIC or QLD.
General information only. BidAI does not provide credit advice or credit assistance and does not suggest any lender, loan or product. The calculator gives an estimate from the figures you enter and the stamp duty rates published by state revenue offices (checked 21 October 2026). It doesn’t assess what you can borrow, your eligibility for a concession, or whether a purchase suits you. Concessions, surcharges and costs not listed aren’t included. Confirm duty with the official state calculator and speak with a licensed credit representative, conveyancer or solicitor before you bid.
How the calculation works
BidAI searches for the highest price where price + stamp duty on that price + your other costs fits within your loan plus deposit, to the nearest dollar. Duty uses the general rates, owner-occupier concessions and first home buyer exemptions published by each state. A walk-away price should also be no more than what comparable sales say the home is worth; see how BidAI works.
Stamp duty by state
Frequently asked questions
What is a walk-away price?
The most you can pay for a property once stamp duty and your other buying costs come out of the money you have available (your loan plus deposit). BidAI works backwards to find that price.
Is this the amount I can borrow?
No. Enter a loan figure you already have, such as a pre-approval. BidAI doesn’t assess borrowing capacity or give credit advice; a licensed credit representative can discuss that with you.
Which states does it cover?
New South Wales, Victoria and Queensland. Where a concession band isn’t modelled, the result is flagged and uses full duty so it errs on the low side.
Do you store the figures I enter?
No. The calculator works out your result from the page address and doesn’t save the figures.