Skip to content
Contact

Repayments calculator

What would my repayments be?

Change the loan amount, rate and term to see your repayments and how much of what you repay is interest.

% p.a.

Not a rate we're offering. Use your current rate, or one you've seen advertised.

years
Repayments
Loan type

Your repayments

$3,597

per month

Total interest
$695,029
Total repaid
$1,295,029
How we worked this out
  • The interest rate stays the same for the whole term. In reality rates change.
  • Repayments are calculated for the chosen frequency (for example 26 fortnights a year), not as half a monthly repayment.
  • Interest is charged each repayment period; lenders usually calculate it daily, so real figures differ slightly.
  • Fees, lenders mortgage insurance and offset or redraw balances aren't included.
  • Interest only: 5 years of interest-only repayments, then principal and interest over the rest of the term.

Figures checked 28 September 2026. Rules and rates change.

General information only, not credit assistance. This is an estimate based on the assumptions shown. It doesn't consider your objectives, financial situation or needs, and it isn't an offer or approval of credit. Lenders assess every application on its own terms. Read our Credit Guide and talk to a broker before you decide.

Want repayments like these, or lower?

A broker will go through these numbers with you: what a lender would really say, and what would change the answer. No obligation.

How would you like us to get in touch?

We'll use your details only to respond to you and help with your loan, as set out in our privacy policy. Your details are stored in Australia.

More free tools

Let's find a loan that makes you smile.

A 20-minute chat, with no obligation. Tell us how you'd like to be contacted and we'll take it from there.

Talk to a broker