Home Loan Repayment Calculator

Uses the standard principal-and-interest (P&I) formula that applies to most Australian home loans.

Home Loan Repayment Calculator

Loan amount (AUD)

Annual rate (%)

Term (years)

Repayment frequency

Estimates only; actual repayments depend on your lender. Rate shown excludes account / lender fees.

o*(1+o)**n/((1+o)**n-1),r=an,c=r-s,l={12:"Monthly",26:"Fortnightly",52:"Weekly"}[i];e.querySelector("[data-out]").innerHTML='
'+t(a)+" / "+l.toLowerCase()+'
Principal + interest, '+n+" payments
"+l+" repayment "+t(a)+"
Total repayments "+t(r)+"
Total interest "+t(c)+"
Interest / principal ratio "+(c/s100).toFixed(1)+"%
"}e.addEventListener("click",function(e){e.target.dataset.act==="calc"&&n()}),e.addEventListener("input",function(e){e.target.dataset.f&&n()}),e.addEventListener("change",function(e){e.target.dataset.f&&n()}),n()})()

How to use

Results refresh as you edit the fields — no need to press Calculate. Adjust any input to test alternative scenarios.

Notes

The rate is divided evenly across the chosen period count; account, lender or LMI fees are not included.

Related calculators

All calculators

Home loan repayment

Borrowing capacity

Stamp duty + FHB grant

"+l+" repayment	"+t(a)+"
Total repayments	"+t(r)+"
Total interest	"+t(c)+"
Interest / principal ratio	"+(c/s100).toFixed(1)+"%