Calculator
Loan Repayment Calculator
Estimate repayments, total interest and the effect of rate or term changes before you speak with a lender.
Principal and interest results use a standard amortisation formula. Extra repayments are modelled as reducing the loan balance and shortening the term. Actual lender calculations may differ because of fees, offset balances, repayment timing and rate changes.
Use this as a guide, then check the structure
A repayment calculator is useful for seeing whether a loan amount is comfortable, but it does not tell you whether a lender will approve the deal or whether the structure is right. Offset accounts, split loans, interest-only periods, repayment buffers and future borrowing plans can change the best answer.
For a proper check, send the result through or book a short finance call.