Home loan calculators

Repayment calculator

What a loan costs each month, fortnight or week — and how much of the total is interest rather than principal.

Use it when you have a loan size in mind and want to know if the repayment is liveable.

An estimate of what a lender would lend you, including the 3% buffer they are required to stress-test against.

Use it before you start looking at houses, so you are shopping in the right bracket.

What switching would save after costs, how long it takes to break even, and whether it is worth the paperwork.

Use it if you have had the same loan for more than two years.

Before you rely on a result

Calculators are useful for orientation and dangerous as a substitute for a lender's assessment. These are the assumptions baked into ours:

The rate never changes. Real variable rates move. A 30-year projection at today's rate is a scenario, not a forecast.
Fees are excluded unless a page says otherwise. Ongoing account fees, LMI, government charges and insurance all add to what you actually pay.
Repayments are made on schedule, in full, with no extra repayments, redraws or offset balances.
Tax is approximated. The borrowing power tool applies resident income tax rates and the Medicare levy, but ignores offsets, HELP debt and salary sacrifice.
Lender policy is not modelled. Two lenders can differ by six figures on the same application. Only a real assessment tells you what you can borrow.

None of this is financial advice. See important information for the full position.