Mortgage Repayment Calculator

Estimate your home loan repayments with our easy‑to‑use mortgage calculator. Adjust interest rates, loan terms, and repayment frequency instantly.

Estimated repayments

{{'['+sc_list_mortgage_calculations.data.principalAmountTotal.formatCurrency('$', '.', ',', 2)}} @ {{sc_list_mortgage_calculations.data.interestRate_Annual.toFixed(2)+'%'}} {{'for '+sc_list_mortgage_calculations.data.totalRepaymentYears+' Years]'}}
{{'[Extra repayments: '+sc_list_mortgage_calculations.data.extraRepayment.formatCurrency('$', '.', ',', 2)+']'}}

{{(formmortgagecalculator.repayment_frequency.selectedValue=='M' ? 'Monthly repayments' : 'Fortnightly repayments')}}
{{!sc_list_mortgage_calculations.data.repaymentPerPeriod || var_summary_display.value==0 ? (0).formatCurrency('$', '.', ',',0) : sc_list_mortgage_calculations.data.repaymentPerPeriod.floor().formatCurrency('$', '.', ',',0)}}
{{(formmortgagecalculator.repayment_frequency.selectedValue=='M' ? 'Extra repayments (monthly)' : 'Extra repayments (fortnightly)')}}
{{!sc_list_mortgage_calculations.data.extraRepayment || var_summary_display.value==0 ? (0).formatCurrency('$', '.', ',',0) : sc_list_mortgage_calculations.data.extraRepayment.floor().formatCurrency('$', '.', ',',0)}}
{{(formmortgagecalculator.repayment_frequency.selectedValue=='M' ? 'Total repayments (monthly)' : 'Total repayments (fortnightly)')}}
{{!sc_list_mortgage_calculations.data.repaymentPerPeriod || var_summary_display.value==0 ? (0).formatCurrency('$', '.', ',',0) : (sc_list_mortgage_calculations.data.repaymentPerPeriod.floor()+sc_list_mortgage_calculations.data.extraRepayment.floor()).formatCurrency('$', '.', ',',0)}}
Total repayments (principal + interest)
{{!sc_list_mortgage_calculations.data.repaymentPerPeriod || var_summary_display.value==0 ? (0).formatCurrency('$', '.', ',',0) : (sc_list_mortgage_calculations.data.repaymentAmountTotal.floor()).formatCurrency('$', '.', ',',0)}}
Total interest paid
{{!sc_list_mortgage_calculations.data.repaymentPerPeriod || var_summary_display.value==0 ? (0).formatCurrency('$', '.', ',',0) : (sc_list_mortgage_calculations.data.interestAmountTotal.floor()).formatCurrency('$', '.', ',',0)}}

With Extra Repayments {{(formmortgagecalculator.repayment_frequency.selectedValue=='M' ? '(Monthly)' : '(Fortnightly)')}}

Total repayments (principal + interest)
{{!sc_list_mortgage_calculations.data.repaymentPerPeriod || var_summary_display.value==0 ? (0).formatCurrency('$', '.', ',',0) : (sc_list_mortgage_calculations.data.updatedRepaymentAmountTotal.floor()).formatCurrency('$', '.', ',',0)}}
Total interest paid
{{!sc_list_mortgage_calculations.data.repaymentPerPeriod || var_summary_display.value==0 ? (0).formatCurrency('$', '.', ',',0) : (sc_list_mortgage_calculations.data.updatedInterestAmountTotal.floor()).formatCurrency('$', '.', ',',0)}}
Interest saved
{{!sc_list_mortgage_calculations.data.repaymentPerPeriod || var_summary_display.value==0 ? (0).formatCurrency('$', '.', ',',0) : (sc_list_mortgage_calculations.data.savingInterestAmountTotal.floor()).formatCurrency('$', '.', ',',0)}}
Time saved
{{!sc_list_mortgage_calculations.data.repaymentPerPeriod || var_summary_display.value==0 ? '' : sc_list_mortgage_calculations.data.getYear+' years ' + sc_list_mortgage_calculations.data.getMonths+' months'}}

Disclaimer: The estimated repayment calculations have been provided for general information / as a guide only; and do not constitute a qualified advice for any loan provider. For detailed disclaimers and assumptions, click here.

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This calculator is applicable to Australian residents only, when availaing home loan / finance facilities through an Australian financial institution.

  • The estimated repayment calculations have been provided for general information / as a guide only, and do not constitute a qualified advice for any specific loan provider or financial institution. The home loan / mortgage repayment calculator may not be applicable to all borrowers. Please contact a financial institution or a registered mortgage broker / adviser to discuss your personal circustances to calculate your borrowing capacity and actual repayment amounts.
  • Actual repayment and interest calculations may differ from lender to lender. Our calculator provides a guide to help you assess your estimated borrowing capacity and repayments.
  • We are not affiliated with any lender or financial institution, Australian or overseas.
  • Fortnightly repayments - We have calculated fortnightly repayments based on 26 fortnights in a year. This amount may differ from lenders who calculate fortnightly repayments by halving the monthly repayments. In such cases, the fortnightly repayments will be higher than the repayments shown in our calculator.
  • Rounding - The calculated dollar amounts have been rounded to the nearest dollar.

  • We do not ask or collect any financial information to use the home loan repayment calculator.
  • We do not ask or collect any contact information to use the repayment calculator, unless you fill out our contact form to get in touch with us.