Free tools for people who write notes after calls
Consent scripts for your state, file note templates, and calculators that show what writing notes by hand really costs you. No signup, nothing stored.
Compliance & consent
4 toolsRecording consent script generator
Pick your state and get the exact words to read before you record a client call, plus the law behind it. Built from CallNote's per-state consent scripts.
Open tool FreeCan I record this call?
Tells you whether you can legally record a phone call in your Australian state, whether you need the other person's consent, and which Act applies.
Open tool FreeOne-party vs all-party consent map
A clear map of which Australian states need everyone's consent to record a call and which let you record as a party to the conversation.
Open tool FreeFile note audit-readiness checker
Answer a few questions and see how ready your file notes are for an audit or an AFCA complaint - and where the gaps are.
Open toolROI & money
5 toolsNote-writing time saved calculator
Work out how many hours a week and a year you spend writing up calls by hand - and how much of that you get back when the note writes itself.
Open tool FreeCost of writing notes by hand calculator
Put a dollar figure on the time you spend typing file notes after calls. It is almost always more than you think.
Open tool FreeFile note tool ROI calculator
See the recovered value of automating your file notes against the monthly cost, the return multiple, and how few calls it takes to pay for itself.
Open tool FreeLawyer billable-time recovered calculator
For solicitors: the file note after a client call is non-billable admin. Work out how much billable time you recover when it writes itself.
Open tool FreeWhat your time is actually worth
Turn your income into a real hourly figure, and see what ten minutes of your time is worth. The number most people underestimate.
Open toolTemplates & checklists
3 toolsFile note template library
Free file note templates by profession - the sections a defensible note should cover, ready to copy. Brokers, advisers, lawyers, accountants and agents.
Open tool FreeNCCP file note compliance checklist
An interactive checklist of what a mortgage broker file note needs to survive an audit - inquiries, objectives, the not-unsuitable reasoning, and more.
Open tool FreeBest interests duty file note checklist
Tick off everything your file note needs to evidence the Best Interests Duty - client needs, objectives, options considered, and why the recommendation.
Open toolMortgage & lending
19 toolsHome loan repayment calculator
Work out the monthly and fortnightly repayments on a home loan, and the total interest over its life, from the loan amount, rate and term.
Open tool FreeLVR calculator
Work out your loan-to-value ratio, whether lenders mortgage insurance is likely, and how much more you would need to reach 80% LVR.
Open tool FreeExtra repayment calculator
See how much interest you save and how many years you cut off your home loan by paying a bit extra each month.
Open tool FreeOffset account savings calculator
See how much interest an offset account saves you and how many years it cuts off your home loan, from your average offset balance.
Open tool FreeHouse deposit savings calculator
Work out how long it takes to save your home deposit, based on what you have saved, what you put away each month, and interest earned.
Open tool FreeBorrowing power calculator
Get an indicative figure for how much you could borrow, from your income, living expenses and other repayments. A starting point for the broker conversation.
Open tool FreeComparison rate calculator
See the true cost of a loan once fees are folded into the rate. Turns an advertised rate plus upfront and ongoing fees into a comparison rate.
Open tool FreeInterest-only vs P&I calculator
Compare interest-only repayments now against principal and interest, and see how much extra interest interest-only costs over the life of the loan.
Open tool FreeRefinance savings calculator
See how much a lower rate saves you each month and over the loan, and how quickly the saving pays back your switching costs.
Open tool FreeSplit loan calculator
Split your loan between a fixed and a variable rate and see the combined monthly repayment, your blended rate, and the total interest.
Open tool FreeLoan term comparison calculator
Compare a longer and a shorter loan term side by side - the extra cost per month, and the interest you save by paying it off sooner.
Open tool FreeStamp duty calculator
Work out the stamp (transfer) duty on a property purchase in any Australian state or territory, with the first home buyer concession applied. An estimate to confirm officially.
Open tool FreeLMI calculator
Estimate the lenders mortgage insurance premium on a home loan from the property value and loan amount, and see how much more deposit gets you to 80% to avoid it.
Open tool FreeRefinance break-even calculator
See how many months it takes for the saving from a lower rate to pay back your switching costs - the number that tells you if refinancing is worth it.
Open tool FreeFirst home buyer grants & concessions
A clear by-state guide to what a first home buyer can get: stamp duty relief, the First Home Owner Grant, the 5% deposit guarantee, and the super saver scheme.
Open tool FreeInvestment property cash flow calculator
See whether an investment property is positively or negatively geared - the weekly cost out of pocket after rent, interest, costs and the tax effect.
Open tool FreeRent vs buy calculator
Compare the real cost of renting against buying over the years you plan to stay - total rent paid vs the cost of owning, side by side.
Open tool FreeDebt consolidation calculator
Roll your debts into one and see the new monthly repayment and the interest you could save by consolidating at a lower rate.
Open tool FreeRate rise repayment calculator
See how much your home loan repayment goes up if interest rates rise - the extra per month and per year, before it happens.
Open toolSaving & investing
5 toolsCompound interest calculator
Project how an investment grows over time with regular contributions and compounding returns - the long game, in one chart of numbers.
Open tool FreeSavings goal calculator
Work out how much you need to put away each month to hit a savings goal by a target date, allowing for the return you earn along the way.
Open tool FreeHow much do I need to retire?
See the balance you would need to fund the retirement income you want, using a safe withdrawal rate - the 4% rule, turned around.
Open tool FreeIncome tax & take-home pay calculator
Work out your income tax, Medicare levy and take-home pay from your salary, on the current Australian resident tax rates. The net figure brokers use for serviceability.
Open tool FreeSuper contribution tax-saving calculator
See how much tax you save by salary-sacrificing into super, after the 15% contributions tax - the number advisers run on the call.
Open toolStop writing the note. CallNote does it on every call.
CallNote turns the transcript your call system already made into a finished file note in under two minutes, on every call. Built in Australia.