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Loan Repayment Calculator (AU)

Calculate loan repayments for any Australian loan. See weekly, fortnightly or monthly repayments, total interest, and compare extra repayment savings.

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How This Works

Standard amortisation formula for fixed‑rate loans. Simple gives instant repayments. Standard adds frequency and extra payments. Detailed adds rate comparison, fees, waterfall, and extra impact table. Advanced adds balloon/residual, term comparison, sensitivity, amortisation, scenario A/B, and reverse solver.

AU Personal Loan Rates 2025‑26

Extra Repayments

Even $50/month extra on a $25k loan at 8.5% saves ~$920 in interest and pays off 5 months early.

Balloon Payments

Common in car finance — a balloon (residual) lowers monthly payments but requires a large final payment. Use Advanced mode to model this.

Methodology

M = P[r(1+r)^n]/[(1+r)^n−1]. Balloon adjusts the final balance target. Amortisation computed period‑by‑period.

FAQs

Fixed rates lock in certainty. Variable may start lower but can change. Use Scenario A/B to compare.

This calculator provides estimates only and does not constitute financial advice. Verify results with a qualified professional.