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Personal Loan Calculator

Calculate Your Personal Loan Interest and Repayments

Paying Off Your Personal Loan

Our personal loan calculator can help you understand what your monthly, fortnightly or weekly personal loan repayments could be. Simply enter the amount, loan term, interest rate, repayment frequency and type.

My Loan Details
Extra Repayments

Repayment settings have limited the savings options available. An Interest only repayment type usually does not allow any extra repayments to be made.

Amount

$
Enter the amount you would like to borrow.

Loan Term

Years
How many years do you want to take to repay the loan?

Interest Rate

%
You can increase or decrease the interest rate to understand the affect on your repayments and total interest.

Repayment Frequency

Repayment Type

Extra Repayment Amount

$
Enter the extra amount you plan to make for every repayment

Repayment Frequency

Offset Account Amount

$
Enter the amount in the account you wish to use to offset your interest payments.

Lump Sum Amount

$
Enter the lump sum about you plan to make against the loan.

Lump Sum Year

Year
Enter the year you plan to make the lump sum payment.
  Interest saved  
  Time saved  

Regular Repayment

  / at    pa

Total Interest Payable

  over
Disclaimer

Calculator Disclaimer

The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan or product. Results are based on information you have provided and does not take into account your personal circumstances. Using this calculator does not guarantee you will be eligible for a loan. You will need to satisfy your lender’s lending criteria. This calculator is not intended to be your sole source of information when making a financial decision. It is advised that you consult a professional financial advisor before taking out a loan.

Personal Loan Tips

Make More Payments

Making extra repayments on your personal loan will save you money in interest and decrease the overall term of the loan. Make fortnightly payments instead of monthly to pay off your debt faster.

Round Up the Payments

Rounding up your repayments is an effortless way to pay back your loan faster. If your loan repayment is $265 a month, you can round up your repayment to $300. That’s an extra $420 off your loan per year.

Set Up Automatic Payments

Setting up automatic payments for your personal loan will help you avoid late fees and ensure the loan is always paid on time. If you can, pay your personal loan repayments as soon as your pay check arrives.

Make Lump Sum Payments

If you receive a windfall such as a tax return, inheritance, lottery win or cash gift, putting this lump sum into your loan can guarantee you pay off your personal loan faster. You may even be able to pay it out in full.

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How Can We Assist You Today?

Business Debt
Personal Debt
Please select an assistance option to continue.

What Kind of Debts Do You Have?

Credit/Store Cards
Personal Loan
Pay Day Loan
Tax Debt
Utility Bill
Other
Please select at least one type of unsecured debt.

How is Your Business Structured?

Sole Trader
Partnership
Pty Ltd Company
Trust
Please select at business structure to continue.

How Much Money Do You Owe?

$10,000
$1,000
$100,000+

How Much Money Do You Owe?

$100,000
$10,000
$1,000,000+

Find Out How To Reduce Your Debt

First Name

Last Name

Email

Phone Number

Phone number must be 10-digits long and begin with a 0. (e.g. 04 1234 5678)

Post Code

Post code must be 4-digits long (e.g. 4567)

Some of your details appear incorrect.
Please update the highlighted fields and re-submit.

Congratulations

You've taken the first step to becoming debt free

Let's keep the momentum going, take the second step now and complete the assessment form.

Congratulations

You've taken the first step to becoming debt free

Let's keep the momentum going, take the second step now and complete the assessment form.

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