Free tool
Home loan repayment calculator.
Work out what your home loan really costs — with offset, extra repayments, and rate changes all modelled properly.
No sign-up. No account. Your inputs save locally in your browser.
What it tells you.
Five answers most home loan calculators get wrong, or skip.
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Monthly payment.
Based on your rate, loan size, and term. Updates instantly as you change anything.
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Offset, modelled properly.
Plug in your offset balance and see how much interest it's actually saving you each month — and when it cancels your interest entirely.
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Extra repayments.
Add an annual step-up or a flat extra each month. See how many years it shaves off the loan and how much interest you save.
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Total interest paid.
The headline figure over the life of the loan, with and without your offset and extra payments factored in.
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Projected home value.
Set an assumed growth rate. See what the property could be worth on the day you pay the loan off — and what your equity looks like.
Year by year, not just the endpoint.
End-of-year balance, home value, and equity for every year of the loan. So you can see the trajectory, not just where you land.
Plug in your numbers.
Takes about a minute. Your inputs save locally in your browser, so you can come back to them later.
No account needed.