Repayment calculators
Feel how the numbers move before anyone quotes you a rate. These estimators run entirely in your browser. Nothing is collected, nothing is sent, and there is no form to fill in. They are learning tools, not quotes.
General loan estimator
Estimate only. Assumes a fixed rate and equal monthly repayments over the full term. It ignores fees, charges and the comparison rate, so real repayments will differ. Not a quote or an offer.
How to read the result
The estimator uses the standard repayment formula for a loan with a fixed rate and equal monthly repayments. It shows three numbers that together tell the real story.
- Monthly repayment is what you would pay each month to clear the loan by the end of the term.
- Total interest is the true cost of borrowing, the amount on top of what you borrowed.
- Total to repay is the amount borrowed plus all the interest, across the whole term.
Try this: keep the amount and rate fixed, then slide the term from three years to seven. Watch the monthly repayment fall while the total interest climbs. That single trade-off is at the heart of almost every loan decision.
What the estimator leaves out
Real loans carry fees and a comparison rate, and may include a balloon payment, none of which this simple tool models. Treat the result as a ballpark for learning, not a quote. For guidance on your own situation, the Australian Government offers free independent calculators at moneysmart.gov.au.
Estimators tuned to each guide
Each loan guide includes an estimator with typical starting figures for that product, so you can explore in context.