This calculator estimates the cost of bridging finance when you buy a new home before selling your current one. You enter the bridging amount, rate and expected weeks of overlap, and it shows the interest cost and total, helping you understand the price of the convenience and plan for the period of owning two properties at once.
The main risk is your current home taking longer to sell than expected, which extends the interest. Plan for a longer overlap than you hope for, and check any fees on top of interest. Estimate only, not financial advice.
The calculator works out the interest on the bridged amount over the overlap period, as the amount times the annual rate, scaled to the weeks of overlap. It shows the weekly cost so you can see how each extra week of delay adds up, and a scenario where the sale takes twice as long, since a slow sale is the main way bridging costs blow out.
Bridging $500,000 at 8% for 12 weeks costs about $9,230 in interest, or roughly $769 a week. If the sale took 24 weeks instead, the cost would roughly double to about $18,460, showing why a quick, well-priced sale of your current home matters.
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