Loan repayment calculator
What a loan costs per week, fortnight or month, the total interest over the term, and what happens if rates rise.
Use the rate you've been quoted or want to test. Rates change and vary by lender.
Repayment (principal & interest)
$0 per fortnight
Total interest over the term
$0
Total repaid over the term
$0
Stress test: repayment if rates rise 1%
$0
Interest-only equivalent
$0
Where the money goes over the term
Extra repayments calculator
Small extra payments compound. See how much interest and how many years a regular top-up, or a one-off lump sum, could take off your loan.
Fixed-rate loans usually cap extra repayments; break fees can apply. We can check your loan's rules.
Interest saved
$0
Time taken off the loan
0 years
Loan paid off in
0 years
Standard repayment → your repayment
$0 → $0
Loan balance over time
Refix & refinance comparison
Fixed rate coming up for renewal? Compare two rates side by side and see the difference per payment and over the remaining term.
For example, your current or offered rate.
For example, a rate you're comparing.
Repayment at Rate A
$0
Repayment at Rate B
$0
Difference per payment
$0
Interest difference over remaining term
$0
Assumes each rate held for the whole remaining term. In practice rates refix every few years, and break fees or cash-back clawbacks can apply when switching. We can run the real comparison for you.
Total interest compared
Deposit & LVR calculator
Your loan-to-value ratio (LVR) shapes which lenders and rates are open to you. See where your deposit puts you.
Loan you'd need
$0
Deposit
0%
Loan-to-value ratio (LVR)
0%
Rental return calculator
Gross yield is the headline number; net yield and weekly cashflow after interest are what actually matter. Run all three.
Allowing a week or two of vacancy keeps the numbers honest.
A common rule of thumb is to allow around 1% of the property's value per year, more for older homes.
Set to 0 if self-managing.
Gross yield
0%
Net yield (after expenses, before interest)
0%
Net rental income per year
$0
Interest cost per year (interest-only)
$0
Cashflow after interest
$0 per week
Annual picture
Before tax and principal repayments. Interest-only lending has its own criteria and term limits, and investor lending carries LVR and debt-to-income rules. We can model the full picture with you.
"How much can I borrow?"
A single number here would be a guess. Borrowing power depends on each lender's servicing test, debt-to-income rules, your income type and your commitments, and it varies widely between banks and non-bank lenders. That's doubly true if you're self-employed, have complex income or have had a decline. Rather than give you a number a lender won't honour, we'd rather look at your actual situation and tell you honestly what's realistic.
These calculators give estimates only, based on the figures you enter and the assumptions described. They assume rates stay constant, don't account for lender fees, low-equity margins, repayment rules or individual criteria, and aren't financial advice or an offer of finance. Actual repayments and lending outcomes depend on the lender and your circumstances. Talk to us before making decisions.
Numbers looking interesting?
We'll test them against real lender criteria and tell you honestly what's possible. No obligation.