Mortgage repayment calculator
Estimate home loan repayments with product presets, interest-only options, and rate-change scenarios.
Comparison rate: 6.32% p.a.
Initial repayment per month
$3,976.83
Total repayments
$1,431,660.30
Total interest
$781,660.30
Interest saved
$0.00
Time saved
0 years
What if rates change?
-1.00% → 5.19%-$411.62 / month
-0.50% → 5.69%-$208.35 / month
-0.25% → 5.94%-$104.79 / month
+0.25% → 6.44%+$106.00 / month
+0.50% → 6.69%+$213.17 / month
+1.00% → 7.19%+$430.89 / month
Repayment schedule
PeriodStageRepaymentInterestBalance
1P&I$3,976.83$3,352.92$649,376.09
2P&I$3,976.83$3,349.70$648,748.95
3P&I$3,976.83$3,346.46$648,118.59
4P&I$3,976.83$3,343.21$647,484.97
5P&I$3,976.83$3,339.94$646,848.08
6P&I$3,976.83$3,336.66$646,207.91
7P&I$3,976.83$3,333.36$645,564.44
8P&I$3,976.83$3,330.04$644,917.64
9P&I$3,976.83$3,326.70$644,267.51
10P&I$3,976.83$3,323.35$643,614.03
11P&I$3,976.83$3,319.98$642,957.18
12P&I$3,976.83$3,316.59$642,296.93
13P&I$3,976.83$3,313.18$641,633.29
14P&I$3,976.83$3,309.76$640,966.21
15P&I$3,976.83$3,306.32$640,295.70
16P&I$3,976.83$3,302.86$639,621.73
17P&I$3,976.83$3,299.38$638,944.28
18P&I$3,976.83$3,295.89$638,263.34
19P&I$3,976.83$3,292.38$637,578.88
20P&I$3,976.83$3,288.84$636,890.90
21P&I$3,976.83$3,285.30$636,199.36
22P&I$3,976.83$3,281.73$635,504.26
23P&I$3,976.83$3,278.14$634,805.58
24P&I$3,976.83$3,274.54$634,103.28
25P&I$3,976.83$3,270.92$633,397.37
26P&I$3,976.83$3,267.27$632,687.82
27P&I$3,976.83$3,263.61$631,974.60
28P&I$3,976.83$3,259.94$631,257.71
29P&I$3,976.83$3,256.24$630,537.11
30P&I$3,976.83$3,252.52$629,812.80
31P&I$3,976.83$3,248.78$629,084.76
32P&I$3,976.83$3,245.03$628,352.96
33P&I$3,976.83$3,241.25$627,617.38
34P&I$3,976.83$3,237.46$626,878.01
35P&I$3,976.83$3,233.65$626,134.83
36P&I$3,976.83$3,229.81$625,387.81
37P&I$3,976.83$3,225.96$624,636.94
38P&I$3,976.83$3,222.09$623,882.19
39P&I$3,976.83$3,218.19$623,123.56
40P&I$3,976.83$3,214.28$622,361.00
41P&I$3,976.83$3,210.35$621,594.52
42P&I$3,976.83$3,206.39$620,824.08
43P&I$3,976.83$3,202.42$620,049.67
44P&I$3,976.83$3,198.42$619,271.26
45P&I$3,976.83$3,194.41$618,488.84
46P&I$3,976.83$3,190.37$617,702.38
47P&I$3,976.83$3,186.31$616,911.87
48P&I$3,976.83$3,182.24$616,117.27
49P&I$3,976.83$3,178.14$615,318.58
50P&I$3,976.83$3,174.02$614,515.77
51P&I$3,976.83$3,169.88$613,708.82
52P&I$3,976.83$3,165.71$612,897.70
53P&I$3,976.83$3,161.53$612,082.40
54P&I$3,976.83$3,157.33$611,262.90
55P&I$3,976.83$3,153.10$610,439.16
56P&I$3,976.83$3,148.85$609,611.18
57P&I$3,976.83$3,144.58$608,778.93
58P&I$3,976.83$3,140.28$607,942.39
59P&I$3,976.83$3,135.97$607,101.53
60P&I$3,976.83$3,131.63$606,256.33
61P&I$3,976.83$3,127.27$605,406.77
62P&I$3,976.83$3,122.89$604,552.83
63P&I$3,976.83$3,118.49$603,694.48
64P&I$3,976.83$3,114.06$602,831.71
65P&I$3,976.83$3,109.61$601,964.49
66P&I$3,976.83$3,105.13$601,092.79
67P&I$3,976.83$3,100.64$600,216.60
68P&I$3,976.83$3,096.12$599,335.89
69P&I$3,976.83$3,091.57$598,450.63
70P&I$3,976.83$3,087.01$597,560.81
71P&I$3,976.83$3,082.42$596,666.40
72P&I$3,976.83$3,077.80$595,767.37
73P&I$3,976.83$3,073.17$594,863.71
74P&I$3,976.83$3,068.51$593,955.38
75P&I$3,976.83$3,063.82$593,042.37
76P&I$3,976.83$3,059.11$592,124.65
77P&I$3,976.83$3,054.38$591,202.20
78P&I$3,976.83$3,049.62$590,274.99
79P&I$3,976.83$3,044.84$589,342.99
80P&I$3,976.83$3,040.03$588,406.19
81P&I$3,976.83$3,035.20$587,464.56
82P&I$3,976.83$3,030.34$586,518.06
83P&I$3,976.83$3,025.46$585,566.69
84P&I$3,976.83$3,020.55$584,610.41
85P&I$3,976.83$3,015.62$583,649.19
86P&I$3,976.83$3,010.66$582,683.02
87P&I$3,976.83$3,005.67$581,711.86
88P&I$3,976.83$3,000.66$580,735.70
89P&I$3,976.83$2,995.63$579,754.49
90P&I$3,976.83$2,990.57$578,768.23
91P&I$3,976.83$2,985.48$577,776.88
92P&I$3,976.83$2,980.37$576,780.42
93P&I$3,976.83$2,975.23$575,778.81
94P&I$3,976.83$2,970.06$574,772.04
95P&I$3,976.83$2,964.87$573,760.08
96P&I$3,976.83$2,959.65$572,742.89
97P&I$3,976.83$2,954.40$571,720.46
98P&I$3,976.83$2,949.12$570,692.76
99P&I$3,976.83$2,943.82$569,659.75
100P&I$3,976.83$2,938.49$568,621.41
101P&I$3,976.83$2,933.14$567,577.72
102P&I$3,976.83$2,927.76$566,528.65
103P&I$3,976.83$2,922.34$565,474.16
104P&I$3,976.83$2,916.90$564,414.24
105P&I$3,976.83$2,911.44$563,348.84
106P&I$3,976.83$2,905.94$562,277.95
107P&I$3,976.83$2,900.42$561,201.54
108P&I$3,976.83$2,894.86$560,119.58
109P&I$3,976.83$2,889.28$559,032.03
110P&I$3,976.83$2,883.67$557,938.87
111P&I$3,976.83$2,878.03$556,840.08
112P&I$3,976.83$2,872.37$555,735.61
113P&I$3,976.83$2,866.67$554,625.45
114P&I$3,976.83$2,860.94$553,509.57
115P&I$3,976.83$2,855.19$552,387.92
116P&I$3,976.83$2,849.40$551,260.50
117P&I$3,976.83$2,843.59$550,127.25
118P&I$3,976.83$2,837.74$548,988.16
119P&I$3,976.83$2,831.86$547,843.19
120P&I$3,976.83$2,825.96$546,692.32
Assumptions: results are estimates only. Interest-only mode uses interest-only repayments for the selected period, then recalculates principal-and-interest repayments over the remaining term.
How this mortgage calculator works
- Choose your loan amount, interest rate, loan term, and repayment frequency.
- See your estimated repayment amount and lifetime cost (total paid and total interest).
- Add extra repayments to estimate potential interest savings and faster payoff time.
Important assumptions
Results are estimates only and assume a principal-and-interest loan with a fixed rate over the full modelled term. Your actual repayments can differ due to product features, fees, redraw/offset behaviour, and interest rate changes.
Disclaimer: This tool is for informational purposes and is not financial advice.