Home loan calculator
Mortgage repayments
Work out your repayments and total interest — and see how much sooner you'd be debt-free by paying a little extra each month.
Mortgage repayment calculator
Your repayments, the total interest, and how much faster extra repayments clear the loan.
Your repayment
$3,597/mo
Total interest
$695,029
Total to repay
$1,295,029
Paid off in
30.0 yrs
If interest rates rise (your minimum repayment)
Rate 7.00% (+1%)$3,992/mo+$395
Rate 8.00% (+2%)$4,403/mo+$805
Rate 9.00% (+3%)$4,828/mo+$1,230
APRA requires lenders to test new borrowers against a 3% rate rise. This is the minimum repayment if your rate climbs.
Loan balance over time
Principal & interest, repaid monthly at a constant rate. Real rates change over time and this excludes fees, offset accounts and redraw. A guide, not financial advice.