Personal Loan Calculators
Personal Loan Calculators
Free personal loan calculators: monthly repayments, borrowing power, extra payment savings, and fixed vs variable rate comparison.
Personal Loan Repayment Calculator
Calculate monthly repayments for fixed-rate personal loans. Includes interest-only option.
Personal Loan Borrowing Power
See the maximum personal loan you can afford from your monthly budget.
Personal Loan Extra Repayment Calculator
See how extra repayments reduce your interest cost and payoff time.
Personal Loan Fixed vs Variable
Compare fixed-rate and variable-rate personal loans side by side.
Common questions
What is a typical personal loan rate in Australia?
Personal loan rates range from 6% to 15% depending on whether the loan is secured or unsecured, your credit score, and the lender. Secured loans (backed by a car or asset) are cheaper.
Fixed vs variable — which is better?
Fixed rates give certainty — your repayment never changes. Variable rates can be cheaper initially and often allow free extra repayments. Choose fixed if you value predictability; variable if you want flexibility.
Are these tools free?
Yes, all calculators are 100% free with no signup required.