Loan Calculators

How much does
borrowing really cost?

Model repayments, stress-test rates, and compare borrowing scenarios — calibrated to Australian rates and rules.

Quick estimate

What's my repayment?

/ month
Principal Interest
Total interest: Full breakdown

Choose your loan type

11 tools
Home Loan

Repayments, borrowing power, offset account comparison, refinance modelling, rate stress testing, and upfront buying costs.

Repayments Borrowing power Offset Stress test +7 more
Explore tools
$3,160
Monthly on $500k
at 6.5% over 30 years
5 tools
Car Loan

Repayments, balloon payments, new vs used financing, and extra repayments.

Repayments Balloon New vs used
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4 tools
Personal Loan

Repayments, fixed vs variable comparison, extra repayments, and borrowing power.

Repayments Fixed vs variable
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3 tools
HECS / HELP

Repayment schedule, income thresholds, and voluntary repayment vs investing.

Repayments Thresholds
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4 tools
Business Loan

Repayments, cash flow impact analysis, extra repayments, and borrowing power.

Repayments Cash flow
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Loan Guides

Comparison strategies, repayment tips, and what lenders look at.

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Mortgage repayments

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Car loan repayments

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Borrowing power by salary

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Common questions

How are loan repayments calculated in Australia?
Most Australian loans use an amortisation formula that splits each repayment into principal and interest portions. The monthly repayment depends on the loan amount, interest rate, and loan term. Early repayments are mostly interest, shifting toward principal over time.
What is the difference between a fixed and variable rate loan?
A fixed rate locks your interest rate for a set period (typically 1-5 years), giving predictable repayments. A variable rate moves with the market, meaning repayments can go up or down. Many Australian borrowers split their loan between both to balance certainty and flexibility.
How much can I borrow for a home loan in Australia?
Lenders typically allow borrowing up to 6-8 times your gross annual income, but the actual amount depends on your expenses, existing debts, deposit size, and the lender's serviceability buffer (currently 3% above the loan rate). Use a borrowing power calculator to get a personalised estimate.
Does HECS/HELP debt affect my borrowing power?
Yes. Lenders include your HECS/HELP compulsory repayment as a liability when assessing how much you can borrow. The higher your income, the larger the repayment percentage, which reduces the amount a lender will offer you.
What fees should I watch for when taking out a loan?
Common fees include application or establishment fees, ongoing monthly or annual fees, early exit or break costs (especially on fixed rates), and valuation fees for property loans. Always compare the comparison rate, which bundles most fees into a single percentage for easier comparison.