One key, client-ready
一个键，直接发给客户
Press ⌘E on any tab and the current calculation becomes a card — your name, company, credit licence number and logo on it — copied to the clipboard and saved to the Desktop, ready to drop into an email or a text. ⌘⇧C copies the same figures as plain text for a file note or your CRM. The disclaimer travels with both, so a figure never leaves without one.
在任意页面按 ⌘E，当前计算结果会生成一张卡片 —— 上面有你的姓名、公司、信贷牌照号和 logo —— 自动复制到剪贴板并在桌面存一份，可直接贴进邮件或短信。按 ⌘⇧C 则复制为纯文字，适合 file note 或 CRM。两种格式都带免责声明，数字不会脱离说明单独流出。
Recorded from the app, with sample data. Two figures, one key, and the card your client receives — your logo and licence number sit where ours are.
录自 app，数据为示例。填两个数，按一个键，客户收到的就是这张卡片 —— 你的 logo 与牌照号放在我们现在的位置。
Income
收入评估
- Any pay basis annualised — hourly to salaried, super in or out
- YTD verified against the payslip and start date, in one line
- Overtime, bonus and allowances shaded in the open
- 时薪到年薪都能换算，super 含与不含自动互转
- 用 payslip 的 YTD 与入职日核对，一行给结论
- 加班、奖金、津贴按银行惯例折算，比例可见可改
- Base · 38 h @ $46.55
- $91,983
- Overtime · $8,500 at 80%
- $6,800
- Super
- excluded
YTD $41,208 to 2 Dec runs 5.6% above base — consistent with overtime, allowances or a pay rise.
Borrowing capacity
借贷能力
- Net income on the current ATO scale, with the Medicare levy
- HEM-style expense floor, dependants and commitments
- Serviceability and DTI tested separately, binding one named
- 按当前 ATO 税率表算税后收入，含 Medicare levy
- HEM 生活开支基准、抚养人数、现有负债
- Serviceability 与 DTI 分别测算，指出哪个是瓶颈
Limited by: DTI cap
- Income · from the Income tab
- $98,783
- Assessment rate · 5.88 + 3.00
- 8.88%
- Serviceability limit
- $596,361
- DTI limit · 6.0× income
- $592,698
Repayments
还款测算
- Offset, extra repayments and interest-only
- Two rates priced side by side over the whole term
- Weekly and fortnightly re-solved, never pro-rated
- 对冲账户、额外还款、只还息
- 两个利率并排对比，算清整个贷款期差额
- 周供、双周供各自独立求解，不是月供除以二
- Difference
- $190.16 /mth
- Interest saved over the term
- $68,458
Upfront costs
前期费用
- Transfer duty for all eight states and territories
- First home concessions, foreign surcharge, indicative LMI
- One cash-to-complete figure you can read out on a call
- 八个州和领地的印花税
- 首次购房优惠、海外买家附加税、LMI 参考保费
- 汇总成一个“过户当天要准备多少现金”
- Purchase price
- $850,000
- Deposit · 12%
- $102,000
- Transfer duty
- $46,070
- Registration fees
- $240
- Conveyancing, inspections, other
- $2,900
LMI of $16,571 at 88% LVR is usually capitalised on top of the loan.
What it will not pretend to do
它不会假装能做的事
Estimates, not advice
只是估算，不是建议
General information, not credit assistance, a credit quote or personal financial advice. Confirm every figure with the lender before relying on it.
它提供的是一般性信息，不构成信贷协助、信贷报价或个人财务建议。依赖任何数字之前，请与贷款机构核实。
Not any lender's model
不是任何一家贷款机构的模型
Borrowing capacity uses a HEM-style expense floor. It does not reflect any individual lender's servicing model.
借贷能力采用 HEM 式生活开支基准，不代表任何具体贷款机构的审批模型。
One rate, no fees
一个利率，不含费用
Figures assume a constant rate for the full term and leave out lender fees, package discounts and promotional rates. LMI premiums are indicative; the insurer sets them.
所有数字假设整个贷款期利率不变，不包含贷款机构收费、套餐折扣与 promotional rate。LMI 保费为参考值，由保险公司厘定。
Rules with a date
规则带日期
Transfer duty scales and concession thresholds are current as at 26 August 2026 and change with each state budget. Check them with the state revenue office.
印花税税率与优惠门槛以 2026 年 8 月 26 日公布的规则为准，会随各州预算调整。请与相应州税务局核实。
Your data
你的数据
Client names, incomes and loan amounts never leave your machine. No account, no cloud sync, no analytics on what you calculate, and your licence is verified offline. Read the privacy note
客户姓名、收入与贷款金额永远不离开这台 Mac。没有账号、不做云同步、不统计你算了什么，授权验证也在本地完成。查看隐私说明
Pricing
价格
Seven days, everything unlocked. No card, no account — the trial is the full app, and it stops rather than degrades.
七天，全部功能开放。不需要信用卡、不需要注册 —— 试用版就是完整版，到期是停用而不是降级。
- Every tab unlocked — repayments, capacity, income, upfront
- Your name, contact details and logo on every exported card
- Three themes, exports with no watermark
- Every Mac and PC you personally work on — one key, both platforms
- 四个页面全部解锁
- 导出卡片上印你的姓名、联系方式和 logo
- 三套配色，导出无水印
- 你本人用的每一台电脑都能激活 —— 同一个授权码，Mac 与 Windows 通用
- Everything in the full version
- The PWE mark removed — your logo stands alone on every card
- Covers up to 5 computers within your business, Mac or Windows
- 包含完整版全部功能
- 卡片上的 PWE 标识完全去除，只显示贵司 logo
- 可在公司内 5 台电脑上使用，Mac 或 Windows 均可
One payment. No subscription, no annual renewal. One licence covers both macOS and Windows — the same key activates your Mac and your PC. Prices include GST and a tax invoice is issued with every licence. Every install starts with a 7-day trial, fully unlocked.
一次性付费，无月费、无年费。一份授权同时覆盖 macOS 与 Windows —— 同一个授权码，Mac 和 Windows 电脑都能激活。价格含 GST，每笔授权均开具正式税务发票。每次安装都有 7 天全功能试用。
How buying works
怎么买
- Write to us. The button opens an email with spaces for your name, company and the version you want.
- We reply with our bank details and both prices, GST included.
- Pay by bank transfer. Once it arrives we email your licence key, the getting-started guide and a tax invoice — usually the same working day.
- Not right for you? Write to us within 14 days of buying and we refund you in full. This does not limit your rights under the Australian Consumer Law.
- 写信给我们。按钮会打开一封邮件，填上你的名字、公司和要买的版本。
- 我们回复银行账户和两档价格（含 GST）。
- 银行转账付款。到账后，我们把授权码、入门指南和税务发票用邮件发给你——通常当个工作日就发。
- 不合适？购买后 14 天内写信给我们，全额退款。这不影响你在澳大利亚消费者法下的权利。
Specs
规格
| Mac | macOS 14 or later. Signed and notarised by Apple. |
|---|---|
| Windows | Windows 10 or 11, 64-bit. No installer, and no separate .NET download. |
| Size | 2.5 MB on the Mac · 20 MB on Windows. |
| Languages | The app is in English on purpose — it keeps every term identical to what goes into a lender submission. A Chinese guide ships with it. Getting Started guide (PDF) |
| Trial | 7 days, fully unlocked. No card, no account. |
| Licence | One payment, no subscription. One licence covers both macOS and Windows: Pricing. |
| Network | Client names, incomes and loan amounts never leave your machine. What it does send is in the privacy note. |
| Mac | 需 macOS 14 或更高。已由 Apple 签名公证。 |
|---|---|
| Windows | Windows 10 / 11 64 位。没有安装程序，也不需要另外下载 .NET 运行库。 |
| 大小 | Mac 版 2.5 MB · Windows 版 20 MB。 |
| 语言 | 软件界面保持英文，是为了与提交给银行的材料用词一致；随附中文使用指南。中文使用指南（PDF） |
| 试用 | 7 天全功能试用。不需要信用卡、不需要注册。 |
| 授权 | 一次性付费，无月费、无年费。一份授权同时覆盖 macOS 与 Windows：价格。 |
| 联网 | 客户姓名、收入与贷款金额永远不离开这台电脑。它会发送什么，见隐私说明。 |
Using Windows?
用 Windows 电脑？
There is a Windows build — the same four calculators, the same branded
exports, the same seven-day trial. It arrives as a zip: unzip it
and run PWE Loan Bar.exe — there is no installer, nothing written outside the
folder you put it in, and no separate .NET download.
Windows 版本已经上线 —— 同样的四个计算页、同样的品牌导出卡片、同样的 7 天试用。下载的是一个 zip：解压后直接运行
PWE Loan Bar.exe —— 没有安装程序，不会在你放它的文件夹之外写任何东西，也不需要另外下载 .NET 运行库。
Latest
最近更新
1.2.1 · 2026-08-28
Activation now asks for the email address the licence was bought with.
激活时需要填写购买授权时使用的邮箱地址。
Help
帮助
The small print that matters
必须说明的部分
Estimate only. PWE Loan Bar provides general information and does not constitute credit assistance, a credit quote, or personal financial advice. Figures are indicative, assume a constant rate for the full term, and exclude lender fees, package discounts and promotional rates. Borrowing capacity uses a HEM-style expense floor and does not reflect any individual lender's servicing model. LMI premiums are indicative and are set by the insurer. Transfer duty scales and concession thresholds are current as at 26 August 2026 and change with each state budget — confirm every figure with the lender and the relevant state revenue office before relying on it.
本软件仅提供估算。PWE Loan Bar 提供的是一般性信息，不构成信贷协助（credit assistance）、信贷报价或个人财务建议。所有数字均为参考值，假设整个贷款期利率不变，且不包含贷款机构收费、套餐折扣与 promotional rate。借贷能力采用 HEM 式生活开支基准，不代表任何具体贷款机构的审批模型。LMI 保费为参考值，由保险公司厘定。印花税税率与优惠门槛以 2026 年 8 月 26 日公布的规则为准，会随各州预算调整 —— 正式报价前请与贷款机构及相应州税务局核实每一个数字。