Calculate
Your Way to

Financial Success

Loan Repayment Calculator

Loan Repayment Calculator

$
$10K$2M

Enter the total amount of the loan

1%15%

Set the annual interest rate for the loan

1 year30 years

Set the loan's duration in years

Monthly Payment
$2,684.11
The amount you need to pay each period.
Total Interest Payable
$466,279
The total interest you will pay over the life of the loan.
Total Repaid
$966,279
Interest %
48.2%
Principal
Interest

Chat with our team today for expert advice on how you can get started on your home buying journey.

Book a Chat

Calculations are indicative only and do not constitute financial advice. Actual repayments may vary based on your lender's terms and conditions.

Savings Goal Calculator

Savings Goal Calculator

$

How much do you want to save?

$

How much have you already saved?

$

How much can you contribute regularly?

0%15%

Expected annual interest / return rate

Time to Reach Goal
7 yrs 4 mo
Based on your contributions and interest rate.
Goal Date
July 2033
Estimated month you'll reach your goal.
Total Contributions
$88,000
Interest Earned
$2,000
10% saved

You're 10% of the way there. Keep it up!

Chat with our team today for personalised savings and investment advice.

Book a Chat

Calculations are indicative only and do not constitute financial advice. Interest is compounded based on the selected frequency.

Extra Repayment Calculator

Extra Repayment Calculator

See how much time and interest you save by paying more

$

Current outstanding loan balance

1%15%
1 yr30 yrs
$

How much extra you'll pay each period

Time Saved
4 yrs 2 mo
You'll pay off your loan sooner.
Interest Saved
$87,450
Total interest saved over the life of the loan.
Without Extra
25 yrs
$466,000 interest
With Extra
20 yrs 10 mo
$378,550 interest
🎯
Paying $500 extra saves you $87,450
and pays off your loan 4 years 2 months early

Chat with our team today to explore offset accounts and strategies to pay your loan off faster.

Book a Chat

Calculations are indicative only and do not constitute financial advice. Results assume consistent extra payments for the life of the loan.

Interest Only Calculator

Interest Only Calculator

Compare interest-only vs principal & interest repayments

$

Total loan amount

1%15%

Annual interest rate

5 yrs30 yrs

Total length of your loan

1 yr10 yrs

How long you'll pay interest only

Interest Only Payment (Monthly)
$3,000.00
During your interest-only period, you pay this amount and your balance doesn't reduce.
Principal & Interest Payment After
$3,591.56
After the interest-only period, repayments increase as you begin paying down the principal.
Total Interest (IO)
$540,000
full loan life
Total Interest (P&I)
$466,279
full loan life
⚠️ Interest Only Costs More Overall

Choosing interest-only saves you $591/mo upfront, but costs you an extra $73,721 in total interest over the life of the loan.

Chat with our team today to understand whether interest-only is right for your situation.

Book a Chat

Calculations are indicative only and do not constitute financial advice. Consult a mortgage broker before making any decisions.

Mortgage Switching Calculator

Mortgage Switching Calculator

Find out if switching to a new lender will save you money

Current Loan
$
1%15%
130 yrs
New Loan
1%15%
130 yrs
Switching Costs
$
$
Other Costs
$
$
Current Payment
$3,037
New Payment
$2,809
Period Saving
$228/mo
Break-even Point
4 mo
Switching looks worthwhile
You'll recoup your switching costs in 4 months and save $68,400 in total interest over the life of your new loan.
Book a Chat — We'll Handle the Switch for You

Calculations are indicative only and do not constitute financial advice. Switching costs vary by lender and loan product.

Rent vs Buy Calculator

Rent vs Buy Calculator

Compare the long-term financial outcome of renting vs buying in Australia

🏠 Buying
$
$

20.0% deposit

2%12%
0%12%

Annual capital growth rate

$

Rates, insurance, maintenance

🏢 Renting
$
0%10%

Annual rent increase

0%15%

Return if deposit is invested instead

1 yr30 yrs
Results after 10 years
Buying
Property Value
$1,303,116
Mortgage Paid
$386,000
Ownership Costs
$50,000
Equity Built
$780,000
Net Wealth
$780,000
Renting
Total Rent Paid
$368,000
Deposit Invested
$160,000
Investment Growth
$154,000
 
 
Net Wealth
$314,000
🏠
Buying builds more wealth over this period
Over 10 years, buying leaves you $466,000 better off than renting, driven by capital growth and equity built through mortgage repayments.

Not sure what's right for you? Every situation is different — chat with our team for personalised advice.

Book a Chat

This calculator provides a simplified comparison and does not account for all costs (stamp duty, LMI, CGT, tax implications). Investment returns and property growth are not guaranteed. Not financial advice.

Property Buying Calculator

Property Buying Calculator

Estimate all upfront costs when purchasing a property in Australia

$
$

Deposit: 20.0% — No LMI required

$
$
Total Cash Required
$196,000
Deposit + all upfront costs
Deposit$150,000
Stamp Duty$29,000
LMI (est.)$0
Loan Registration$160
Transfer Fee$260
Conveyancing$2,000
Building & Pest$600
Total Upfront$182,020
Loan Amount Required
$600,000
LVR: 80.0%

Ready to buy? Chat with our team to get pre-approved and understand your full buying costs.

Book a Chat

Stamp duty calculations are estimates based on general rates and may not reflect current concessions, exemptions, or off-the-plan rules. Always verify with your conveyancer. Not financial advice.